Final answer:
The speaker's main issue is having car troubles resulting in the potential of being late to work, and they are considering contacting their insurance and notifying their supervisor.
Step-by-step explanation:
The main issue the speaker is facing in the given dialogue involves car troubles and the potential for being late to work as a consequence. The dialogue highlights the immediacy of the problem, emphasizing the need for a quick resolution, possibly by calling the insurance company. Additionally, there is a mention of the possibility of notifying the supervisor about being late, which suggests the need for communication in the face of the unexpected difficulty.