Context: I let my dad borrow my car and he got in an accident. It made my insurance rate increase.
Speaker 1: I let my dad borrow my car and he got in a minor accident.
Speaker 2: Oh that's terrible.  Is he alright?
Speaker 1: Yeah he is fine and my car was not damaged. My insurance premium is probably going to go up though.
Speaker 2: That really stinks that that happens.  Are you pretty upset about it?
Speaker 1: He said he would cover the extra costs so I'm not too upset