 You know when you get insurance, it's to protect you in case something happens and you're at fault. But it also means to protect you in case you are not at fault and a situation still arises. How can you do that? That's where we get to chat now with Randy Trost of Trost Law. Randy, a pleasure to be speaking with you. We appreciate your time and perspective. What can people do to make sure they're protected if a situation arises and they are not at fault?