What is the definition of a tort?

Prepare for the IBABC Automobile Insurance Exam with our multiple choice questions with explanations and hints. Study effectively with our engaging quizzes and ensure you're exam-ready!

A tort is precisely defined as a wrongful act or infringement of a right that leads to civil legal liability. This definition encompasses a wide range of actions, including negligence, where a party fails to exercise reasonable care, resulting in harm to another person. It captures both intentional wrongdoing and unintentional acts that cause harm.

The other options do not encapsulate the broad legal definition. The option discussing the policyholder's failure to report incidents relates more to duties under insurance contracts rather than the concept of torts. The mention of intentional wrongdoing with intent to harm is too narrow and only represents a subset of torts, specifically intentional torts. The term for a vehicle accident does not adequately convey the legal implications associated with violations of rights and responsibilities, as torts can occur in various contexts beyond just accidents. Thus, the initial option accurately reflects the comprehensive nature of tort law.

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