system
angry: I let my dad borrow my car and he got in an accident. It made my insurance rate increase.
human
I let my dad borrow my car and he got in a minor accident.
human
Oh that's terrible.  Is he alright?
human
Yeah he is fine and my car was not damaged. My insurance premium is probably going to go up though.
human
That really stinks that that happens.  Are you pretty upset about it?
human
He said he would cover the extra costs so I'm not too upset