Surinder Singh, President — The present complaint has been filed under Sections 12, 13 and 14 of the Consumer Protection Act, 1986 by Shri H.S. Sandhu, Vice President, Super Fast Transport Union of Chandigarh against New India Assurance Company Limited with the allegations which are these. The complainant purchased a vehicle of make ‘Eicher Mitsubishi-87’ from Eicher Motors for a price of Rs. 1,91,750/- and got its body built at a cost of Rs. 15,000/- . The vehicle bears Registration No. CHW-6570. It is stated that the vehicle was purchased with facility of loan from the Punjab & Sind Bank, Chandigarh, repayable with interest @ 16% per annum. The Invoice-cum-Delivery Letter is Annexure C-1.

2. The vehicle above mentioned was insured comprehensively with the respondent Company for a sum of Rs. 2 lacs after paying the requisite premium. The Insurance was effective from 19.1.87. Copy of the Insurance Policy is Annexure C-2.

3. The above mentioned vehicle met with an accident on 12.2.88, in which it skidded of the road and went rolling into the Khad about 400 ft. down below. On learning about the accident, the complainant rushed to the spot and lodged an FIR (copy C-3) and also info