That doesn't fit the "conclusion first" advice that makes sense to clarify a situation. Problem is, an irrelevant conclusion was chosen. A better alternative following the advice would be something like "I'm OK but the car is wrecked."

I agree that's a better phrase based on the rules, but stating what happened ('car crash') rather than the result ('car is wrecked') conveys more information (ie. why 'I' am not already home). Either works though.