Not at fault accident rental covered now they are charging my card.

I recently had my parked car and someone elses car totaled by a reckless Tesla driver in June. I was told they were going 100+ in a residential and lost control. She managed to total three cars including hers. I initially got a rental covered by their insurance the following week and ended up in the rental for 9 1/2weeks. I just got the settlement offer a few days ago. The rental company is now putting $200, $500, $300 charges on my credit card without notifying me. I ordered a replacement card with a new number so they don't continue to rack up charges.

Is there a limit to how long an at fault insurance company will cover a rental and is it really my fault if they are taking too long to rectify the situation.