What factors can lead to me not getting my excess refunded?

What factors can lead to me not getting my excess refunded?

• When the insured was unable to, or neglected to obtain the 3^rd Parties details.
• When the 3^rd Party has no means of income or assets to attach.
• When the legal costs outweigh the recovery amount.
• When the 3^rd Party cannot be traced or located.
• When the merits of the claim do not justify a recovery.