Agreed, but Chase's insurer is not the problem, it's Budget. Did they only send you a bill or have they submitted a charge to your credit card or ...?
They sent me a bill; I have no idea if they tried to bill the credit card. They also sent me a form which I returned with the credit card information including my claim number with Chase. When I talked with Sedgwick, I protested the long 13+ month delay in sending me the bill, and they said that according to law they have a 3-year window in which to bill me. If that is correct, then, with Chase providing primary insurance, Chase should be required to accept any claims made within that 3-year window.