What Does Civil Action Mean?
A civil action is a legal action brought upon one private citizen against another. This is distinguished from a criminal action, in which a citizen is tried against the state. In terms of insurance, a person can be provided with money for legal fees or a lawyer for a civil action if he or she has liability insurance.
Insuranceopedia Explains Civil Action
A civil action can be initiated when one person claims that another has violated his or her rights. This is different from a criminal action, when a state prosecutes a person for alleged wrongdoing. A government lawyer is assigned against a defendant in a criminal case, whereas private lawyers are hired in civil cases.
It is possible for an action to be deemed both a civil and criminal offense. For instance, a man's fingers are broken when another person physically attacked him. The wrongdoer could be charged by the state for assault. The assaulted man might also pursue a civil action against the person to claim money if, for instance, he happens to be a pianist and the broken fingers cost him his career.
Liability insurance can be bought to provide the legal fees for civil action and even legal representation.