I rented a car in August from Budget. I drove it a few hours and arrived at my destination. The ride was pleasant and uneventful, I didn't hit anything, no big bumps, potholes, curbs. Car is parked in the driveway overnight. Next morning we wake up and see that the car has a flat tire.

Our host had AAA and had them come out and take off the flat tire and put the donut on the car. The AAA technician pointed out to me that there was a scratch on the edge of the rim, and that it is the likely culprit of the tire going flat. I didn't graze anything with the rims so this was definitely existing when I rented the car. I walked around to look at the car before I rented it, but didn't notice it.

I drive the car 2 hours to the nearest Budget location, and they are happy to swap the car out for me. I drive that other car home, return the rental.

4 months later I get a bill in the mail for $185 for Emergency Roadside Assistance and Cost of flat repair. I emailed them at their provided billing inquiry email address to verify this and for discussion. A month later I issue a chargeback on my card because this doesn't seem right. Another month later they have responded that the bill isn't a mistake and that I am responsible for the charges.

What should I do? Try to fight this on the grounds that I didn't cause the damage, and received no roadside assistance from them? Accept it though I did not cause it and try to get the CC I paid with, Chase Sapphire Preferred, rental insurance to cover it, despite the fact that it is way after the 100 day window the CSP insurance asks for the claim within?