history: My friend wrecked my car when I let him borrow it over the weekend. Now it's a giant hassle to manage insurance My friend wrecked my car when I let him borrow it over the weekend
current: That is a real bummer. I hope your friend gets it repaired for you.
next: Well, it's a giant hassle to manage from the insurance side but apparently they will cover it if he doesn't. Might hike my rates, though