After a car accident, it’s natural to want to say “I’m sorry.” But could those two words be used against you? Many drivers worry that apologizing at the scene automatically makes them legally liable. The truth is: it depends on what you say, where you are, and how insurance companies or courts interpret your words.

After a car accident, one of the first things on your mind (after making sure everyone is safe) is insurance. But the big question many people ask is: “Who do I call first — my insurance company or the other driver’s?” It may seem like a small detail, but the choice can affect your claim, your coverage, and even your financial recovery. Here’s what you need to know before you pick up the phone.