history: Someone was speeding on the road and I got into an accident with them. My car was totalled because of their carelessness. Someone was speeding on the road and I got into an accident with them. My car was totalled because of their carelessness. Dang that's really annoying.  Is your insurance going to cover it?
current: Yes, but not as much as the car was worth and it wasn't an enjoyable situation.
next: Yeah dealing with an accident is one of the most aggravating things.