What is a tort in the context of automobile insurance?

In the context of automobile insurance, a tort refers to a civil wrong that causes harm or loss to another person. This definition is significant because it establishes the foundation for liability in personal injury cases and property damage claims resulting from automobile accidents. When a driver acts negligently or recklessly, contributing to an accident, they may be held liable for the tortious act, thus allowing the injured party to seek compensation for damages.

Understanding torts is crucial for anyone involved in automobile insurance, as it directly impacts legal responsibilities and the process of claims. For instance, if a driver is found to be at fault in an accident, the tort allows the affected party to file a lawsuit to recover damages, relying on the principle that individuals should be held accountable for the harm they cause to others. This concept underscores the liability coverage that many insurance policies offer, which protects policyholders against claims for damages arising from their actions on the road.