Agent

Sir the estimate on the damage to your car is two thousand eight hundred and sixty-six dollars.

Jerry

Hmm, well, I got the insurance and everything so...

Agent

Yes, now, uh, in your report you said that you were not the driver of the car at the time of the accident.

Jerry

That is right, somebody else was driving.

Agent

Alright, well, sir, you're only covered for when you're driving the car.