What to do if an insurer is refusing to pay for part of the damages to my vehicle because they say it is something that "wears out easily" and the vehicle is older?

If you are having a dispute with your insurer regarding a claim that you have concerning your vehicle, make sure the claims representative puts the basis for the denial of your request for compensation for damages in writing.

Respond to the position in writing stating your position. If you do not resolve the dispute with the insurer, I would contact your state's department of insurance and lodge a complaint against the insurer about the dispute you have and then wait to see what happens. Good luck.