<human>: Can you give me the gist of the text in a nutshell?

Location: Ohio

My sister was driving my car. After being told, repeatedly and in writing that she was not allowed to drive the car. Someone hit the car, resulting in considerable damage. The other party is at fault, per the police report and per their insurance company. 

After the accident, I told my sister, again in writing, not to touch the car, not to move the car (parked on her private property with no restrictions about parked cars), and that I would have to talk to my insurance company before authorizing any repairs. 

A few days later, the other driver's insurance company called me at work to get "my information." I told her I didn't have time to deal with this (true) and hung up. 

Fast forward to today, when I find out that my car is sitting in some shady garage 30 miles away, in pieces, and likely totaled. The insurance agent has been communicating with my sister. They've paid for her to have a rental car and they towed the car to the garage. 

When I called the agent, I asked if she knew that my sister wasn't the owner of the car, and she said yes. When I asked if she knew that I hadn't authorized any of this, she also said yes. She said that since I hung up on her, she didn't have a choice and had to move forward with repairing the car.

I'm wondering if this is how insurance companies typically handle claims. Am I forced to accept whatever they offer? I know that accidents happen, but I'd like to decide who fixes my car. If they decide that they aren't liable (I haven't signed a single form, so they could), could I be responsible for the costs incurred so far - rental car, tow fee, and labor / examination fee at shop?

I know I could probably sue my sister in small claims court, but she's an unemployed drug addict who will likely be dead or in jail by the end of the year, so I'll never see a cent.
<bot>: Someone else was driving my car. She was in an accident and not at fault. The at-fault party's insurance company took my car and started repairs without my consent. Am I stuck?