What is a 'tort'?

A tort is a wrongful act or an infringement of a right (other than under contract) leading to a civil legal liability. 

One example of a tort is a car crash. The other driver may not have intended to hit you but due to either inattention or failure to obey highway laws or some other reason, they may have crashed into you infringing your right to the roadway. This is a negligent tort.

Another example is if someone punches you - a battery. This is an intentional tort.

What are the 3 types of torts?

The three main types of torts are negligence, strict liability, and intentional torts.

What is an example of a tort?

Negligent Tort

Examples of negligence torts include – automobile accidents, professional malpractice (medical, legal, accounting, engineering, etc.), dog bites, bicycle collisions, etc. Generally, any situation where another person or entity may have caused or contributed to any injury.

Strict Liability Tort

Examples of strict liability include claims like product liability, vaccine injury and premises liability.What is a tort?

Intentional Tort

Examples of intentional torts include things like assault and battery (fighting).

What about 'Tort Reform'?

So, when you hear of TORT Reform – think, someone is looking to reform the law because they don’t like being accountable for their own actions and responsibilities. Not surprisingly – most of the Tort Reform advocates and supporters are insurance companies and major business interests. And, instead of changing their behavior, they want to change the law and take away your rights.

Recently, “Tort Reform” advocates have been trying to change many of Louisiana’s laws to make it more difficult, costly and burdensome to hold others accountable for their own negligence in an effort to “reduce costs” and “save money.”  While their efforts have failed so far, we can bet they are not done in trying to take away your rights to be made whole.

And while tort reform “advocates” have many statistics (you know what they say about statistics – “lies, damn lies, and statistics”), here are a couple of things to keep in mind:

  • A Forbes (you know – the business magazine famous for identifying the 400 richest people in the world) contributor once said the devil’s “second greatest trick may be the insurance industry’s success in getting more than half the states to implement tort reform."
  • A 2017 National Institutes of Health study on tort reform in Texas (passed 15 years earlier), found “reforming the malpractice environment has largely insignificant economic implications..”
  • Recent testimony before the Louisiana legislature by those advocating for “tort reform” indicated even with all their statistics, the insurance industry tort reform advocates could not say whether or not the changes would result in lower premium rates for Louisiana drivers!

Look, as a person, a tax-payer, and business owner, I hate the high cost of insurance and litigation first mentality of so many.  But, I see – from the front-lines, every day – the devastating effects “tort reform” has and continues to cause! Consider this:

  • If you are injured due to someone else’s negligence – resulting in you losing a limb or losing life.  What would that be worth?
    • In an auto-accident with an 18-wheeler – it’s worth what the evidence and your community members (jury) say it’s worth.
    • In a medical malpractice action – it’s worth what the evidence and your community members say it’s worth – unless it’s worth more than $500,000 because that is the arbitrary cap on general damages in these cases (which has not changed in almost 30 years)!  Once you add up medical bills, treatment, and lost work, that number isn’t as big as it seems and certainly doesn’t go as far as it did 30 years ago.
  • What about if a company fails to have a policy to check its floor for hazards and you slip and fall in a hazardous substance causing you to require multiple back surgeries?
    • If the slip-and-fall happens at a hospital or casino or even a government building or school, you play by one set of rules and laws.
    • If the slip-and-fall happens at your grocery store, department store, restaurant, or other “merchant”, you play by a completely different set of rules and laws designed to make it virtually impossible to receive compensation for your injuries.
  • And this is most infuriating to me – the advocates of these reforms cannot say with any certainty that by removing your rights, you will actually see a benefit in the form of cheaper costs!!!!

Current tort-reform advocates want to put a cap on all commercial vehicle accidents at the same level it was set for medical malpractice cases 30 years ago!  They further argue courts are so over-stressed with “frivolous” lawsuits, they cannot operate properly. But, studies indicate civil filings have decreased by almost 50% since 2010 in some states, and tort cases (those primarily filed by individuals against a business or insurance company) only account for about 4% of civil cases!

I encourage all of you to look deeper into any tort reform efforts.  Look specifically at who is funding these efforts (hint: it’s not consumer advocates looking out for your best interests).  And, make your voice heard by calling or writing your state representative and letting them know your stance on these measures designed to take away your rights – often at a time when you need them the most!

 
Loyd J. Bourgeois
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Disability, Personal Injury, and Divorce Attorney