Gary: This car's been in an accident.
Dick: You bet. Why else would I want insurance?
Gary: No. You have to buy the insurance before the accident.
Dick: Say again?
Gary: You have to buy the insurance before the accident.
Dick: Oh, I see. So that's how this little scam of yours works.
Gary: No. It's-
Dick: You people are the worst kind of scum, you know that? Now, if you'll excuse me, Gary, I have to get back to my respectable job! Try finding another sucker. Good day, sir. [pulls door handle off] Well, I'm screwed.
Gary: Well, uh, maybe you should rent a car.
Dick: Oh. And I suppose if I had insurance, you'd pay for that, too.
Gary: Yeah, we would.
Dick: Good day, sir!