AITAH, wife says I am

We were out on the water all morning. As we are loading up the boat a car pulls in off the road with a flat tire. A middle aged woman and her 18-25 yoa son get out and are just standing around the car with the rear hatch up. I finish what I'm doing and neither have even begun to try and get the spare out. So I walk over and offer to change the tire. The woman says no, she's called roadside assistance and doesn't need any help. So I turn and walked away. My wife says I should have insisted harder on changing the tire for her. My thoughts are, I offered and she refused help. I'm not going to beg her to help. Thoughts?