Time and time again, we have helped people injured in car wrecks who thought they did not need to call the police or 911 after a wreck. The other driver is apologetic on scene. The damage seems manageable and luckily the at-fault driver seems to have insurance. No one seems hurt - nothing broken or bleeding - as everyone goes through the motions of exchanging information after being in a wreck.
When someone is injured in an auto collision, getting healthy is the first priority. Also important, however, is repairing one's car, often the only way to get to the doctor, physical therapist, and work. Drivers frequently look to the collision coverage from their own insurance company, to whom they dutifully send a sizable check every month, to handle the repairs. After all, that's what they're paid to do. Yet as The Dallas Morning News reports, insurers often secretly short-change their customers and the repair shops who service the cars by insisting on so-called "after-market" parts, which are often inferior to what the car owners had before. (Terry Box, "Some area body shops fighting insurance companies over repairs," The Dallas Morning News, March 14, 2015, available here.)