How to challenge a car rental company for accident which i haven' t commit?

Hertz car rental will charge me for accident fully which I haven't commit, even so I am insure and i have paid excess. Answer ASAP please
Thank you

What is a VPN?

VPN is (Virtual Private Network) were first used by companies to enable their employees to securely access internal systems such as email remotely (e.g. from home or while on business trips). Today they are increasingly being used for personal use by individuals to protect their privacy while online in public places (e.g. when using the wi-fi connection in a cafe) or in a country where the internet is censored / blocked (e.g. China, Saudi Arabia…).