This is from a well known insures website

Credit hire is when you’re given a replacement car, but no money changes hands until the hire is over.

If you weren’t at fault for an accident, your insurer may offer you a credit hire car, and plan to claim the costs back from a third-party insurer.

Many insurers offer “like-for-like” hire because they feel it’s the best way to look after their customers.

This means they may try to put you in a hire car that’s as similar to your own car as possible, even if it’s a souped-up prestige motor that costs an arm and a leg to hire.

However, you should look into what you’re actually being offered, and how much it’s going to cost. – there’s always a chance those charges could be disputed and come back onto you.

The way credit hire works is that the company will provide you with a replacement and have you sign for it.

Once the hire is over, they’ll send an invoice of the daily charges – starting at £35 per day – over to the insurer of whoever was at fault for the accident.

The issue is there’s no guarantee that the at-fault insurer will accept liability and/or the charges, in which case all the bills are in your name.

Credit hire is billed on a daily basis and the cost depends on the type, specs and value of the car.

Insurers will usually try to get you a car identical or similar to your own. If they can’t get you an identical model, they’ll give you one from a similar group.

Credit hire claims can get so expensive that a set of opt-in rules have been written by the Association of British Insurers (ABI) to govern how they are handled.

There are dozens of rules, from making sure that the hire only lasts as long as it needs to, to the type and cost of the car provided and keeping claim costs to a minimum.

For example, you might have crashed an Audi TT, which would cost £200+ per day to hire, but if a 1-litre Astra at £40 per day would suit your needs, you should take the cheaper option.

Problems arise when customers aren’t told or don’t understand these rules, and the at-fault insurer starts to dispute the charges.

The main risk with credit hire, is that when you sign for the car, the costs are in your name.

As daily charges build up, you’ll be the one responsible for them until an insurer accepts liability and agrees to all of the costs.

If it turns out that you’re at fault for the accident, or these costs are disputed by the other insurer, the credit hire company will look to you for payment.

Read the final paragraph very carefully, its why you are facing a bill.

Thank you for all answers. If I knew that before I would never hire car from them. I was in hospital after accident and I tried to organise a quickly car hire as otherwise i couldn't go to work or pick up my child from the nursery. Thank you

The car insurance company suggested to use any care hire company. I just google and it was plenty of them. My car insurance company closed the claim as it was not ,my fault, the car has been write off and I was with them 2 weeks. So I believe there is no reason now to contact my insurance company as the third party refuse to cover the cost for credit car hire.

But if I did not have any sufficient money in my bank and my credit card has been used almost in full the third party is not going to settle the payment still?

As already suggested you need to comply with the request to disclose your bank statements and such other information about your finances as you may be asked to provide. This may well be all they need to decide that your method of hiring and its cost was reasonable.

If they don't then come back here for more advice.

Thank you