Rhode Island Insurance Adjuster Exam

What is a tort?

1. A type of criminal act

2. A civil wrong

3. A legal contract

4. An insurance policy

The correct answer is: A civil wrong

A tort is defined as a civil wrong that causes harm or loss to another person, leading the injured party to seek legal remedy, typically in the form of compensation. Unlike criminal acts, which are prosecuted by the state, torts are usually resolved through civil lawsuits where the injured party seeks damages from the responsible party. This can include various forms of harm, such as physical injury, property damage, or emotional distress. The concept of a tort is fundamental in the legal system as it addresses the balance between individual rights and remedies available when those rights are violated. It contrasts with criminal law, which deals with actions that are offenses against the state or public, and is typically initiated by the government rather than the individual victim. By understanding tort law, insurance adjusters can better evaluate claims, determine liability, and understand the potential for negligence or intentional acts that may lead to claims against an insured party.