chat_history: ['I let my dad borrow my car and he got in a minor accident.', "Oh that's terrible.  Is he alright?", 'Yeah he is fine and my car was not damaged. My insurance premium is probably going to go up though.']
sys_response: That really stinks that that happens.  Are you pretty upset about it?
situation: I let my dad borrow my car and he got in an accident. It made my insurance rate increase.