The context of the following conversation is Sydney saw that her car was scratched and began raving in the middle of the street.:
Sydney says I can't believe somebody scratched my car!.
The friend responds It's going to be OK, it is just a scratch..
Sydney responds Yea but it is going to cost me a lot of money!.
The friend responds Perhaps your insurance will pay for it..
Sydney responds They won't because I didn't see who scratched it or get their information..
The friend responds Yea but depending on your insurance it might cover it anyway..