So denotes the text by Coleman (2003), which indicates that "tort law establishes conditions under which victims can shift at least some of the costs they incur to others. All individuals realize that they may be subject to a judgment against them in torts and so many buy third party insurance to protect them from bearing the full costs of those judgments. In some jurisdictions purchasing third party insurance is mandatory." (Coleman, 1) Here, the determination of the reasonableness of a claim is given over to a legal process in which liability is determined. If it can be determined that the party holding the insurance policy is liable for loss or damage under such terms as provided by the law and said policy, it will be considered reasonable to compensate the plaintiff in due fashion, which is typically also shaped by the process of suit and settlement.

As the research ultimately denotes, torts are intended as a level of protection for private citizens against the imposition of one another, against the intrusion of private enterprises and even against the improper behavior of government agencies. Though much nuance must enter into the process of settling individual claims, the existence of torts is central to the fairness of the legal system.
Works Cited:

Coleman, J. (2003). Theories of Tort Law. Stanford Encyclopedia of Philosophy. Online at http://plato.stanford.edu/entries/tort-theories/

Gale Group. (2008). Tort Law. West's Encyclopedia of American Law, edition 2.