Re: When the Call Audio Routing is set to “Automatic,” how can I tell whether the initial audio routing for incoming and outgoing calls is on the phone or my earbuds?
You can experiment:
You won't hear clearly in the earbuds if the audio is going to the phone
You could try taking one earbud out to switch the audio to the phone.
If you haven't already seen it: Apple support has an article online for iOS26: Route and automatically answer calls on iPhone - Apple Support
If call audio doesn't route automatically using your brand of earbuds:
Apple support's article below explains how to direct the audio manually
While on a call on iPhone - Apple Support
Apple support's third-party accessory connection tips:
Connect iPhone to Bluetooth accessories - Apple Support