history: I just bought my first new car last week. I just bought my first new car last week. Congradulations.   You must be excited and proud.   Are you enjoying the new car? I was_comma_ until I wrecked it yesterday.  Ughhh.  I am so mad at myself.
current: Oh no!  Hopefully you have full coverage? 
next: Luckily I was required to have it, but my insurance rates are going to go through the roof.