good day!  Let's chat about traffic accidents.  Have you ever been involved in one? 
Oh yes. One very big one years ago.
oh no.. I'm sorry to hear that..  Were you injured?  Any property damage?
I didn't feel injured too bad at the time. Someone ran a light and wrapped my truck around a tree. But i sustained some long term back damage. 
Ouch. that doesn't sound fun at all.   Did you vehicle insurance cover the cost of the damages? 
Ya know, it was my boyfriend's car and I am fairly certain it was worth about $.50. He had spare at the time.
Vehicle insurance in the United States
Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi
's problem:
SMITH: Look at this, doctor.br
DALE: Look at --- oh, that there? Did you ever have that before?br
SMITH: Yes, I did.br
DALE: Well, you got it again!
SMITH: I can't sleep at night. I walk around all night.br
DALE: Ah! You're a somnambulist!br
SMITH: No, I'm a night watchman.
SMITH: I got rheumatism on the back of my neck. It's a bad place to have