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A civil action is a legal process started by a person or organization to solve disputes or seek money for damages. This type of action usually involves a situation where one party claims that another has caused them harm, whether through negligence, personal injury, or other wrongful acts.
In the context of insurance, legal actions can come from demands against a policyholder for damages from accidents, property harm, or other incidents covered by their protection. If a civil case is filed against you, your insurer may provide legal defense and liability coverage for any settlements or court decisions, depending on the terms of your policy.
Understanding civil actions is important for policyholders, as it can affect their liability and financial responsibilities. Having the right coverage can help protect you from the potential financial burden of a civil action.
At PSIC, our products like Homeowners, Renters, Condo, or Motorcycle insurance include liability coverage. This means we help protect you legally if you face a civil lawsuit from a covered event. You can also customize your policy and purchase Umbrella insurance if you need extra protection beyond the limits of a specific product.
If you don’t have these products, you can get Personal Liability coverage as part of our standard protection to help you face civil actions. It is designed to provide financial support in case of any claims for injuries or damages for which you are found legally responsible.
While we would like to avoid unwanted situations, we know that accidents can happen from time to time, and PSIC is your ally in protecting your financial well-being if you need to pay to compensate someone for bodily injuries or damage to their property that you unintentionally caused.
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