frog insulator?

[UPengineer]

I am brand new to model railroading and my layout is completely Bachmann DCC E-Z Track. I have purchased several DCC turnouts and contained in the all the boxes of those turnouts is a tiny piece of gray plastic, wrapped up, that is unidentified in the packaging and instructions. Google AI stated it is a frog insulator to protect from shorts. I would like to know what it is exactly, do I need it, and how and where to install it.  Help would be much appreciated. Thank you.