In the context of insurance, which tort principle holds a person liable for damages caused by their failure to exercise reasonable care leading to loss of insured property?

Negligence is the tort principle where a person is liable for harm caused by their failure to exercise reasonable care, resulting in damage or loss to another. • In insurance, negligence can lead to claims for damages when a party’s careless act causes loss to insured property (e.g., a driver causing an accident damaging an insured vehicle). • The insurer may seek to recover from the negligent party if the loss is covered under the policy. • Liability arises when the defendant owed a duty of care, breached it, and caused foreseeable damage.