Which term describes a voluntary act causing injury or loss, such as libel or false arrest?

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Prepare for the Certified Insurance Service Representative Commercial Casualty I Exam with flashcards and multiple-choice questions. Understand key concepts with hints and explanations. Ace your exam!

Multiple Choice

Which term describes a voluntary act causing injury or loss, such as libel or false arrest?

Explanation:
Intentional tort describes civil wrongs that arise from a deliberate act intended to cause harm or loss. Libel (written defamation) and false arrest are classic examples because they involve purposeful actions aimed at harming someone's rights or freedom. Negligence involves harm from failing to take reasonable care, with no deliberate act. Battery is an intentional tort focused on harmful or offensive contact, but the question’s examples point to the broader category that covers such conduct.

Intentional tort describes civil wrongs that arise from a deliberate act intended to cause harm or loss. Libel (written defamation) and false arrest are classic examples because they involve purposeful actions aimed at harming someone's rights or freedom. Negligence involves harm from failing to take reasonable care, with no deliberate act. Battery is an intentional tort focused on harmful or offensive contact, but the question’s examples point to the broader category that covers such conduct.

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