good day!  Let's chat about traffic accidents.  Have you ever been involved in one? 
Oh yes. One very big one years ago.
oh no.. I'm sorry to hear that..  Were you injured?  Any property damage?
I didn't feel injured too bad at the time. Someone ran a light and wrapped my truck around a tree. But i sustained some long term back damage. 
Ouch. that doesn't sound fun at all.   Did you vehicle insurance cover the cost of the damages?