Dishonest and *****s

My insurance company hired me a car from them and 10days into using the car we noticed that it had breaks malfunction and when we went to them triying to get a new car,they told us we have wrinkled the mat at the back seat and the windscreen has chips. We disputed that because on the day we recieved the car it was raining and no inspection was done except showing us the spare wheel and the jack,now they are saying we are liable for the damages where as all these faults look old and where the chip is there is a sticker and it is not possible to see it on the inside unless you are actually inspecting it on the outside.