person A: I was hit by a car today and just found out the other driver does not have insurance
person B: Oh no_comma_ that is so unfortunate and so unthoughtful of the other driver! 
person A: Yes so I am unsure about the whole thing if my insurance pays will my rates go up etc
person B: Yeah_comma_ it shouldn't affect your insurance. Since you were not at fault. But who knows how the whole thing will turn out. 
person A: That is what I find concerning the uncertainty of the whole thing_comma_ nerve wracking!
person B: That would be_comma_ I hope your insurance takes care of you!