[I got into a fender bender so I call my co-worker to ask for help.] A : 여보세요? Hello? B : ...... A : *무슨 일이에요? What's wrong? B : 접촉사고가 나서요. I got into a fender bender. A : *괜찮아요? Are you okay? B: 네, 괜찮아요. 하지만 ... Yes, I'm okay but .... It would be better to understand it through conversation. :)

For the second one: 무슨 일이에요?

"괜찮아요?" will be good for pretty much any situation. "네 괜찮아요" "아니요, 안 괜찮아요" will be good for answer :)