Prem Narain, Member—This revision petition has been filed against the order dated 22.11.2010 of the State Consumer Disputes Redressal Commission, Jharkhand, (in short ‘the State Commission’), passed in FA No. 22 of 2010.

2. The brief facts are that the Petitioner/Complainant had purchased a Bolero Pick Up Van costing Rs. 4,12,343 only. The Complainant paid Rs. 1,40,000 and the remaining amount was financed by Mahindra and Mahindra Financial Service Ltd. (OP No. 2). The vehicle was delivered to the complainant on 5.7.2007 by Nexogen Solution Technology (P) Ltd. (OP No. 3). The said vehicle was insured from 20.7.2007 to 19.7.2008 for IDV sum of Rs. 3,91,687 by the ICICI Lombard General Insurance Company Ltd. (OP No. 1). The vehicle met with an accident for which Barhi PS Case No. 159/07 was registered on 26.7.2007. The police released the vehicle to the complainant who had taken the same for repairs. The repair order was prepared on 24.8.2007 and the claim was lodged with the OP No. 1. The Complainant claimed Rs. 5,52,786 as cost of repairs, but the OP No. 1 was willing to indemnify only to the extent of Rs. 2,29,453, i.e. only to the extent of loss as assessed by the independe