Well I haven't experienced the whole "half-your-provinces-spontaneously-rebel" type of civil war personally (thank the gods!), but I've seen it happen to at least a couple of my friends a number of times. And of course, about a gazillion people here at the Org have mentioned (and complained bitterly about) the phenomenon as well.
The only times I myself have gone through a civil war is when my king dies--either in battle, or more often from an assassin's blade (usually my own

)--leaving his surviving uncles to fight among themselves for the crown. I've found it's often the lesser of two evils to take out a crappy monarch, even if it means you have fight to win back half your empire! Now if only the Rebels would act in a coordinated manner, civil wars in Medieval 2 would be much more interesting....
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