A、He was making a phone call. B、He was answering the phone. C、He was sending a text message. D、He was sending a voice message. D

W: Hey, you don’t look well. What’s going on?
M: I just got into a small accident with my new car.
W: Oh, I’m sorry to hear that. What happened? Are you alright?
M: Well, I was not paying attention when I was looking for a parking spot and I hit another car. But fortunately I just have a small headache, and other than that I’m fine.
W: Did you hit it head on or on the side?
M: Neither. I ran into the other car’s back bumper as it was backing out of a parking space. I shouldn’t be that careless.
W: Were you doing something else at the time?
M: Well, I really regret that. I was sending a voice message to my friend.
W: Oh, that’s not a good habit. Was the other driver hurt at all?
M: No, thankfully it only jostled that old lady a little bit, but she was very angry about it.
W: Yeah, I know. And you may have to pay for the damages since you are accountable for it. Do you have the car insurance?
M: Yes, now I’m really thankful that I pay a little extra every month for full coverage.
W: What is the difference between full coverage and liability only?
M: Full coverage costs more, but it will pay more to have your own car fixed if you get into an accident.
W: So you won’t have to pay for the damages to your car from the accident today, right?
M: Well, I have to pay a small deductible, but it is still a lot less than what I would have to pay to fix the car myself.
W: Then what would liability cover?
M: Liability would only take care of the damages to someone else’s car, but not mine.
W: So does that mean your insurance covers both the damage to your car and the damage to the other car?
M: Usually it would, but the other driver did not have any insurance.
W: What do you mean by that?
M: Well, if the other driver does not have insurance, then I am not responsible for the damages to her car, because she is not supposed to drive at all unless she gets the insurance.
W: Did you receive a ticket for the accident?
M: Of course, the police officer gave me a small ticket because it was my fault.
W: Did the other driver receive a ticket too?
M: Yes, her ticket was much higher because she did not have insurance while driving.
W: I wonder if the other driver knew how important it was to have car insurance.
M: If she did not know before the accident, I hope she knows now.
This is the end of Conversation One.
Questions 1-5 are based on Conversation One.
1. What is the accident mentioned in the conversation?
2. What may be the reason that caused the accident?
3. What do we learn about full coverage from the conversation?
4. Why doesn’t the man’s insurance cover the other car’s damages?
5. What do we learn about the tickets given by the police officer?