Texas All Lines Adjuster Practice Test

What defines a negligent tort?

1. A intentionally harmful act

2. A civil wrongdoing that causes unintentional damages

3. A breach of legal duty

4. A contractual dispute

The correct answer is: A civil wrongdoing that causes unintentional damages

A negligent tort is defined by unintentional conduct that causes harm or injury to another party. This means that while the person who committed the negligent act did not intend to cause damage, their failure to exercise reasonable care resulted in significant consequences for someone else. For instance, if a driver fails to stop at a red light and causes an accident, they may be held liable for negligence. The concept of a negligent tort emphasizes the idea that individuals or entities have a legal obligation to act in a manner that avoids causing harm to others. When this duty of care is breached, and an injury occurs as a direct result, it is considered a negligent tort. This is what distinguishes it from other forms of torts where intent to harm or breach of contracts are involved.