<prompt> Human: I had a falling tree crush my car as I was driving home from work on Friday. I am yet to hear from my insurance about their inspection but I assume its totalled given the extent of damage. The large tree landed across the hood, the impact left the complete indent across the hood which is about a 1 12 feet wide, my windshield entirely shattered, the mirrors were torn off, there are large dents in the roof and scratches along most of the passenger side. The damage also shifted the panels so I could not open either front door and had to climb out the back. Engine fluid started leaking so its not just cosmetic damage. Although the airbag did not deploy, I am almost certain this will be totalled. I have full comprehensive insurance so will just have to pay the deductible. As it fell on my hood I am not at fault, where as if had fallen directly in front of me it would have been considered a collision. On top of that I am extremely lucky it fell where it did and I didnt get crushed or impaled. The tree belongs to the city as the road is parkland either side but this poses questions for a different sub about their liability and my minor injuries.Anyway as luck has it, I am one payment away from paying off the loan and I could easily go in to the bank now to pay the remainder. Alternatively, I can let insurance handle the last payment. I am just wondering would it be better for my credit score if I pay it off before the insurance settles.  <response>: Just make sure you arent late making the payment. Credit score doesnt care how, just that you did and it was on time. 