General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Tort law is primarily concerned with:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Tort law governs civil wrongs — harm caused by one person's wrongful act or negligence — and its primary objective is compensation for the injured party, typically through monetary damages. This contrasts with contract law, which enforces voluntarily made agreements. The distinction matters for insurance because liability coverage protects insureds against tort claims, while life and health policies are contracts whose obligations flow from the policy's own terms.
Why the other options are wrong
- B) Enforcing voluntary promises is the domain of contract law, not tort law.
- C) Policy terms are drafted by insurers and reviewed by regulators; tort law does not write insurance contracts.
- D) Tax collection is a matter of government revenue law, unrelated to tort principles of civil compensation.
Memory hook
Tort = 'you harmed me, you compensate.' Contract = 'you promised me, you perform.'