Budget Insurance Budget Service

No option for a ZERO STAR RATING! I have been waiting for 3 months for a refund back. The guilty party has acknowledged full responsibility and their insurance company has yet to receive any claim requests from Budget. The Budget reservations department has advised that it could take as long as 3 years, yes 3 years for me to get my excess back! Can you tell me why this is taking so long for a clean and cut claim that in the end does not cost Budget a single cent but leaves me out of pocket? Multiple calls and emails later and just being told to wait we will get to you.