['So last year I let my friend borrow my car, and that night he ended up crashing and totaling it. I was crushed.', 'No! THAT is painful! He must have felt awful! Did he have insurance to cover anything?', "Well I had insurance, but he was driving so it wasn't covered. He's been paying me back bit by bit."]
I am so sorry! But he does sound like a true friend if he's actively paying you back!
I let my friend borrow my car last year and I got a call later that night that he crashed it and totaled it, man I was crushed by that experience.