person A: So last year I let my friend borrow my car_comma_ and that night he ended up crashing and totaling it. I was crushed.
person B: No! THAT is painful! He must have felt awful! Did he have insurance to cover anything?
person A: Well I had insurance_comma_ but he was driving so it wasn't covered. He's been paying me back bit by bit.
person B: I am so sorry! But he does sound like a true friend if he's actively paying you back!