After a car accident, your insurance company might point you to one of their “preferred” repair shops. Sometimes they even make it sound like you have to use them. But here’s the truth: in most cases, you have the right to choose where your car gets fixed. The catch? Choosing the wrong path could affect your claim, your repair quality, and even your wallet. Let’s break it down.

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.

After a car accident, one of the first questions you need answered is simple: “Does the other driver even have insurance?” It’s not...