Car insurance -- should they cover these expenses?

I had an accident a month or two ago. It was in a rental car. I found out today that the insurance company had disallowed some of the charges that the rental company tried to pass to them. Now the rental company is trying to pass those charges to me. They ammount to about $500, plus my deductible, of course. The charges are $100 for an administrative fee $200.89 loss of use fee $139.38 diminished value fee. Who should pay these charges? Should I fork this money over to the car rental company? Should the insurance company pay them? What strategy should I use in my conversations with them? My feeling is that I have insurance, it should pay everything which is an actual cost above and beyond the deductible. ie if I have to pay it, the insurance company should have to pay it. On the other hand, if they are somehow bogus charges, then the rental company can eat it, and that's fine. Thought?

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