chat_history: ['Hey, have you ever been in a car wreck?', "I've been in a fender bender not a total wreck.", 'I was in one about 2 years ago. No one was hurt, but it totaled both of our cars.']
sys_response: Man, how was your insurance policy for that?
situation: I got in a car wreck one time. A guy pulled out in front of my. I hit my brakes, but couldn't stop in time. It totaled both of our cars.