Mr. Mahesh Chandra, Member—The complainant M/s. Rangi International has filed this complaint through its proprietor Shri Surinder Singh against the O.P./New India Assurance Co. Limited. The complainants were the owner of Ashok Leyland Truck No. DL-IL-C2599 and they got the Truck insured with the O.P. Insurance Company for a sum of Rs. 5 lakhs for the period 8.11.1997 to 7.11.1998. The said truck met with an accident on 19.2.1998 at about 11.00 p.m. and it was completely damaged. The driver of the truck died on the spot and the cleaner also died before reaching the hospital. A report about this occurrence was lodged by the complainant on the same day at Police Station, Indirapuram, Ghaziabad and the complainant also informed the O.P. vide letter dated 20.2.1998 and requested to depute a Surveyor for inspection of the truck. The complainant after completing all the formalities also submitted the claim on 11.11.1998. However, the O.P. did not respond in respect of the request of the complainant’s to expedite the settlement of the claim. It is alleged that the O.P. did not settle the claim. Hence the complainants were forced to file a complaint before the District Forum, alleging