Which of the following is an example of a tort?

Study for the CII Insurance Law (M05) exam. Enhance your preparation with quizzes featuring multiple choice questions, detailed hints, and explanations. Get ready to ace your test!

A personal injury claim is an example of a tort because it arises from a civil wrong committed against an individual, resulting in harm or injury to that person. Torts can include acts of negligence, where one party fails to exercise reasonable care and causes injury to another, as well as intentional acts that cause harm. In this context, a personal injury claim typically involves seeking compensation for damages due to such wrongful acts, making it a clear illustration of tort law in practice.

In contrast, a contractual breach pertains specifically to the violation of a legal agreement between parties, which is governed under contract law rather than tort law. A criminal offense involves actions that are considered harmful to society as a whole and are prosecuted by the state, focusing on the legal implications of crime rather than civil wrongs. A regulatory violation deals with non-compliance with established rules or regulations, often within a specific industry, and is also distinct from tort claims which deal with individual rights and obligations.

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