I understand your intentions; however, she has the right to talk to your insurance company. I believe they are required to cover the claim for the coverages which you paid premiums. To let them protect their financial interests, you need to let the other party speak to your insurance company. Now, I would not suggest it; however, if you are determined to pay for the accident, talk to your insurance company. If they are permitted, they may let you pay for the damages without their involvement. The only problem with this is that the only way I see them doing this is if you agree to accept full responsibility for the accident. This includes taking responsibility for any future claims that arise from this accident. (Remember, you purchase insurance to protect you from financial loss.) Now, if you are motivated to pay for the accident to prevent your insurance company from paying a claim to keep them from increasing your insurance rates, your best bet is to let them pay for the claim. Even if your insurance company does not pay for the claim, they will raise your insurance rates at your policy's renewal time - because you were 'at-fault' for the accident. In the meantime, you and the other party need to talk to your insurance company. Follow this link and you can access you state's Department of Insurance to learn the rules your insurance company has to follow.