What is a tort?

A tort is defined as a private or civil wrong that causes harm or loss to another individual or entity, resulting in legal liability for the person who commits the tortious act. This legal concept is essential in personal injury law and civil liability, distinguishing torts from criminal offenses, which are addressed in criminal law. Torts can arise from various actions, including negligence, intentional acts, or strict liability scenarios, where the wrongdoer may be liable regardless of intent.

This fundamental concept is crucial for understanding legal rights and remedies available to individuals who have suffered harm due to another's actions. By recognizing a tort as a civil wrong, it opens the pathway for victims to seek compensatory damages or other legal remedies through civil litigation. Therefore, the definition of a tort as a private or civil wrong accurately encapsulates its role within the legal system and its importance in personal lines insurance contexts.