What type of tort is typically intentional and can result in punitive damages?

The correct answer is intentional tort. This type of tort occurs when an individual deliberately engages in actions that cause harm or injury to another person. Because these acts are intentional, the legal system recognizes the need for a higher level of accountability, which can lead to punitive damages. Punitive damages are awarded in addition to compensatory damages and are designed to punish the wrongdoer for particularly egregious behavior and to deter others from similar actions.

In contrast, unintentional torts, which stem from negligence, do not involve a deliberate act or intention to cause harm. These typically result in compensation for actual damages rather than punitive damages. Contractual torts refer to breaches of contract rather than tortious acts against another person. Negligent torts also stem from actions where harm was caused by a failure to exercise reasonable care, rather than through an intentional act, meaning punitive damages are not usually applicable.

Understanding these distinctions is key to grasping the legal implications of deliberate versus unintentional actions in personal lines insurance and liability cases.