05/28/2026
A criminal conviction doesn’t always mean a win in civil court. In fact, a murder conviction can completely ruin a family's path to financial recovery.
Most people assume a definitive criminal guilty verdict makes a civil lawsuit easy. But here is the hidden reality of insurance law: car insurance covers accidents and negligence. It does not cover intentional acts. Because evidence showed Mackenzie Shirilla intentionally crashed into that building, the insurer can deny coverage entirely.
milies are forced to pursue personal assets from a teenager who likely has none.
The criminal justice system is built for punishment, but the civil system relies on insurance money. When a crime is deemed intentional, the path to recovering damages becomes incredibly complicated.