What legal concept refers to the obligation to act with care to avoid harm to others?

The correct answer is that the legal concept referring to the obligation to act with care to avoid harm to others is negligence. In law, negligence involves a breach of a duty of care that one party owes to another, resulting in unintentional harm or damage. It is fundamentally about failing to take reasonable steps to prevent foreseeable risks that could injure others.

For example, if a driver fails to stop at a red light and causes an accident, that driver may be considered negligent because they did not exercise the level of care expected while operating a vehicle, leading to harm to others on the road. This breach of duty is a central tenet in tort law, where the injured party can seek compensation for their damages resulting from the negligent act.

The other given terms relate to different aspects of legal and insurance contexts. Liability refers to the legal responsibility for one’s actions or the obligation to compensate another party for harm caused. Subrogation is the right of an insurer to pursue a third party that caused an insurance loss to the insured, allowing them to recover the amount paid to the insured. Underwriting involves the process of evaluating risk and deciding whether to insure a person or entity and under what terms. These concepts are significant in their own right but do