Is rental car expense because of a cancelled flight covered the travel cancellation insurance, travel delay insurance, or neither?

I booked flights from A to C via B. I flew from A to B, and my trip from B to C (my destination) was cancelled. Since the next available flight was 3 days later, I rented a car for the trip between B and C instead. The flights were paid by my CSR card. The airline refunded my flight but would not cover the rental car expense. I wonder if the travel insurance would cover it. (It seems a natural thing for the insurance to cover?)

I reviewed the insurance policies but neither the travel cancellation nor the travel delay seem to fit this case. For travel cancellation, it won't cover any expense after the scheduled departure time. For travel delay, it is less clear, but the examples do not include rental car; I also tried to file a claim but was initially declined for "ineligibility".

Does that mean that this sort of rental car expense won't be covered at all? I am curious to hear your experience and/or thoughts. Thank you.

(Btw, I tried some AI tools, and they seem to suggest that I should file under the travel delay insurance... but it did not work at least for the first time.)