What is an intentional tort?

Prepare for the General Insurance Level 1 Exam with flashcards and multiple choice questions. Each question includes hints and explanations to help you succeed. Ace your exam now!

An intentional tort is defined as a deliberate act taken by an individual with the intention of causing harm or damage to another person or their property. This type of tort occurs when someone knowingly engages in behavior—such as assault, defamation, or invasion of privacy—that leads to injury or loss. The key factor that differentiates an intentional tort from other types of claims, such as negligence, lies in the intention behind the act.

Individuals who commit intentional torts recognize the possibility of causing harm and proceed with their actions regardless of the potential consequences. This element of intent is crucial in legal contexts because it affects the determination of liability and potential damages awarded to the injured party. The focus on the deliberate nature of the act emphasizes the culpability of the wrongdoer.

This understanding underscores why the correct answer aligns with the definition of an intentional tort, contrasting against concepts like unintentional acts or those committed without knowledge, which do not involve this deliberate intent to cause harm.

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