Time Frame, Etc.
I borrowed this movie from the library on DVD sometime in the mid-2000s. Most likely 2005-2007. I'm not sure of the actual release date, but it felt contemporary, and I am fairly certain it could not have been older than the mid-1990s. American movie, in English. No memory whatsoever of the title - this was pulled somewhat randomly from the shelf.
A young girl and her father are driving at night through a small town/rural area. American - possibly the South. It is possible they attended a festival or carnival in the town.(?) Separately, a young man is driving very fast in the same area to get his wife medical attention - she was attacked and is bleeding. The two vehicles collide at an intersection. The girl's father and the man's wife die.
Fast forward - the girl is now a young woman, and she is working as an insurance adjuster(?) of some sort. She is asked to do some travel for work. It is mentioned that she almost never leaves the state (or enters the nearby state where she would be traveling to?), but she agrees to go anyway.
She goes to the town, and it is the same town from the beginning of the movie (although it is not clear if she remembers that or not). There is a scene outside a bar at this point where some guy is harassing her, but another man steps in and punches him in the throat (I remember this vividly). That ends up being the husband from before.
During her time in town, the young woman begins having more and more dreams/visions of a husband and wife, their home, and a beach-themed room or painting. It seems these are memories from the young wife who was killed. She becomes romantically involved with the widower. Eventually, these memories lead to the wife's murderer - an auto mechanic who still lives in town. I seem to remember the murder weapon being a long screwdriver or a similar tool. The young woman's life is threatened, but the murderer is brought to justice this time around.
It seemed that a big theme of the movie was how events were playing out the same way they had years earlier. The young woman looks somewhat like the murdered wife, and falls in love with the widower. The murderer is still in town and targets her. Possibly the same festival is going on.