Texas Property and Casualty License Practice Exam

Who is considered the tortfeasor in a case of direct liability?

1. The person wrongfully injured

2. The party responsible for the wrong

3. The insurance company

4. The bystander witnessing the act

The correct answer is: The party responsible for the wrong

In a case of direct liability, the tortfeasor is identified as the party responsible for committing the wrongful act that caused harm to another individual. This individual or entity, by engaging in negligent or intentional behavior, directly contributes to the injury or damage experienced by the victim. The tortfeasor is legally accountable for their actions, making them the central figure in any liability claims. The other options illustrate various roles that may be present in the scenario but do not fulfill the criteria of being a tortfeasor. The individual wrongfully injured is the victim of the tort, while the insurance company typically covers the financial losses associated with the liability of the tortfeasor, but it does not itself commit the wrongful act. A bystander, although they may witness the act, doesn’t have a responsibility or direct involvement in the wrongdoing. Thus, the clear distinction of accountability points to the party responsible for the wrong, affirming the choice correctly.