person A: I couldn't believe it when a rock bounced off the car in front of me and cracked my windshield. I am so frustrated at the moment.
person B: That is horrible luck!  At least you weren't hurt.  Some insurance companies cover that as well_comma_ so you should check.
person A: That's a good idea_comma_ I will do that first thing tomorrow morning.
person B: Hopefully that little mishap doesn't cot you anuthing!