Which situation requires proof of fault or negligence?

The situation that requires proof of fault or negligence is best captured by the distinction of normal legal liability. In cases of normal legal liability, which is typically based on negligence or fault, the injured party must demonstrate that the responsible party failed to act with reasonable care, thereby causing harm or damage.

This concept is pivotal in personal lines insurance and general liability matters, where it's necessary to establish a connection between the negligent act and the resulting damages. In contrast, absolute liability does not require proof of fault; it imposes liability regardless of the level of care exercised.

In scenarios involving property damage or intentional acts, while they may require different considerations, they do not specifically encapsulate the broader application of proof of fault dictated by normal legal liability standards. Thus, the correct answer emphasizes the requirement to demonstrate negligence as a fundamental aspect of liability in most liability situations.