Usually, if your insurance claim gets hijacked by an accident management company, they get you to take out an insurance in case the cost of the credit hire cannot be recovered from the insurers. This does not always work. Yesterday a reader told me of being hit with a £70,000 car hire bill for the hire of a Bentley while his Bentley was being repaired. Unless the accident management is run by a car manufacturer and cuts out credit hire, do not have anything to do with these people and deal only with your insurer. Not your broker, your insurer. You have a duty to 'mitigate your losses' and taking an inflated price credit hire car does not mitigate them, so the insurer does not have to pay.