V.K. Agarwal, President—This appeal under Section 15 of the Consumer Protection Act, 1986 is directed against the order dated 21.9.2006 in complaint No.56/2006 by District Consumer Disputes Redressal Forum, Surguja, Amibkapur (hereinafter called the ‘District Forum’ for short) dismissing the appellant’s complaint.

2. Indisputably, the complainant/appellant is the owner of commander jeep bearing registration No. CG-15-B/0321. It is also not in dispute that the complainant/appellant got the said vehicle comprehensively insured with respondent insurer, covering its risk from 28.3.2004 to 27.3.2005.

3. The averments of the complainant were that when he was going along with his family members to Chagona Dham, village Buddhi Vihar, District -Palamau, Jharkhand on 30.6.2004 the vehicle met with an accident and dashed against tree. It was averred that at the time of accident the vehicle was being driven by Ram Prawesh Vaidh. It was further averred that the said driver had valid and effective driving licence. The complainant further averred that he intimated about the incident to the respondent/insurer and according to instructions received from the respondent/insurer, the vehicle was