I have posted here several times. To date I have tried the uninstall/reinstall with the bluetooth/phone/car. Tried the "reset network settings" at suggestion of genius in apple store, tried wiping the entire phone and doing a complete software reset (which essentially creates a "new" phone - not restoring from iCloud backup in case there was anything corrupt in prior files on my phone) ....
At best, with each maneuver, I had perfectly clear reception/conversation ... for ONE phone call only. Each of four times, with four different maneuvers or efforts to address this, but worked each time for only one single call. Got my hopes up, then disappointed again. Which honestly makes me wonder if even a brand new phone would make any difference at all. Can always talk on the speaker on the iPhone in car but definitely not as clear or strong and seems like a disappointing work around. OR, bail out on the phone and go backward to the X or XS or something, which is also very disappointing.
I do think people should offer what they've tried, and speak up over and over. Only then will those who are googling or considering this new phone be possibly directed to read these posts. Which may provoke some kind of correction or bluetooth update from higher up.