To my darling husband,
Before you return from your overseas trip, I just want to let you know about the small accident I had with the pickup truck. Fortunately it wasn't too bad and I really didn't get hurt, so please don't worry about me. I doubt our insurance will go up at all.
I was coming home from Wal-Mart, and when I turned into the driveway, I accidentally pushed down on the accelerator instead of the brake. The garage door is a little bent, but luckily the pickup came to a halt when it bumped into your car.
I'm really sorry, but I know how reasonable you are and am sure that you'll forgive me. You know how much I love and care for you, sweetheart. Can't wait to hold you in my arms again.
Your loving wife,