waiting on excess money with no luck

i had an accident in Jan 2019.. AIG then vergin was on the ball to collect the car etc. it took over a month for the car to be fixed, after i had to chase them an followup. after a month i got my car back. i had to pay a R4000 access which they said they would recover from the 3rd party. they only time i get updates is when i am following up with them. i was then told it can take 2 month or a few.. then i was told it can take years to get my money back. funny how its takes years to get ones money back when AIG is quick to debt ones account every month. the last comms i got was on the 16 May 2019, also because i had followed up with them... so what do i do waiter years to pass or will this ever be resolved. makes me wonder why people stick with the likes of Outsurance, Midway etc....