On a winter day in 2016, Curt Albert was traveling Interstate 15 in Utah on his way to Arizona. Near New Harmony, another motorist drove up beside him and signaled him to pull over. The other motorist, according to Albert and findings by an administrative law judge, was an employee of Freeway Tire in New Harmony. He said the right rear tire on Albert’s travel trailer was wobbling. Albert agreed to follow him to the tire shop for a repair. “I don’t want to get stranded somewhere,” Albert recently explained. “It’s 25 degrees outside, and the wind’s blowing.” But $1,018.10...