history: I let my friend borrow my car last year and I got a call later that night that he crashed it and totaled it, man I was crushed by that experience. So last year I let my friend borrow my car_comma_ and that night he ended up crashing and totaling it. I was crushed.
current: No! THAT is painful! He must have felt awful! Did he have insurance to cover anything?
next: Well I had insurance, but he was driving so it wasn't covered. He's been paying me back bit by bit.