no service at all

<p> i joined budget insurance 2 years ago. The access payment got increased without my knowledge.i only discovered that it was increased when i had to claim. now that i had paid the access the third party is saying that he is not at fault where its obvious that he is at fault. Budget insurance is failing to take him to court. i have been waiting since february 2016. i phoned them more than 15 times and i am being told they are doing something and that they do n ot guarantee me to recover my access. can this matter be resolved already,how long does it take to take the matter to court</p>