Imagine that you own a small air-conditioning business, with just two employees, both of whom had to miss work after the company truck they were driving was struck head-on by a driver who crossed the road’s center-line while traveling in the opposite direction.

The police report clearly shows, in multiple places, that the other driver was at fault. Your truck was ruined. And although it was July in Jacksonville, Fla. – ordinarily quite a profitable time for an AC business – you lost money that month because you were short both employees and a truck.