If the other I hit files a claim with their insurance but I pay their insurance company out-of-pocket, does it show up on my CLUE report? I told the party I hit that I would pay for their repairs out-of-pocket, but they filed a claim with their insurance anyway. I know this at-fault accident would increase my premium more in the long run than by paying for the damage myself. My car is fine. But now that they filed a claim with their insurance, can I still pay their insurance company myself without repercussions, or will it end up on my CLUE report now regardless, in which case I might as well use my own insurance?