person A: I just bought my first new car last week.
person B: Congradulations.   You must be excited and proud.   Are you enjoying the new car?
person A: I was_comma_ until I wrecked it yesterday.  Ughhh.  I am so mad at myself.
person B: Oh no!  Hopefully you have full coverage? 
person A: Luckily I was required to have it_comma_ but my insurance rates are going to go through the roof.
person B: Yeah but_comma_ its better than having no car!
person A: true.
person B: Does your insurance have the "new care replacement"  option?