2. 
Anya:    I have a problem.
Manager: What can I do for you?
Anya:    My husband had an accident.
Manager: An accident? What happened?
Anya:    He was in a car accident
         and broke his leg.
Manager: What can I do?
Anya:    Is he covered by my insurance?
Manager: Of course. Your whole family
         is covere by your insurance.