Auto and Genral

At he beginning of November i was a victim of a bumper bashing. I was stationery and someone rode into me. You don't need to be a legal boffin to know I was innocent and the accident was not my fault. Part of the shocking service I received from Auto & General was that I had to pay an excess of R7200. 4 months later i have been told it could take up to 3 years before I get any refund. As I said i was the innocent one and now i get told they have to check all the facts before anything can happen . Surely they dont need to hang onto my deposit to increase their cash flow