What is a Tort state?

Reader’s Question:

I just want to know what a “tort” state mean.

Justin

Chicago, IL

Tort is an injury to another individual or to property which is compensable under law. The injury or damage can be done negligently, willfully, or in other circumstances involving liability.

Regarding to car insurance, states tend to be either a Tort State or a No-Fault State. Under the tort system a person must be found to be at fault for causing the accident. The at-fault party is then held liable for the injuries or damages sustained. The details of the regulations for a tort system differ from state to state.

If your state is a “tort” state regarding auto insurance, verify with your state’s insurance regulatory body to obtain information on how their specific tort system works.

Tags: auto insurance