Jill: I had an accident last week.

Richard: What happened?

Jill: Somebody bumped into the rear end of my car.

Richard: Were you hurt?

Jill: No, but my car was damaged.

Richard: You were very lucky that you weren't seriously hurt. Who's to blame for the accident? The other driver?

Jill: It was not his fault. Seeing a dog running across the road, I suddenly braked. Then the next car crashed into the back of my car.

Richard: Fortunately, you've insured your car.

Jill: Yes, I have.