Ajit Bharihoke, Presiding Member—This revision is directed against the order of the State Commission Himachal Pradesh dated 28.12.2015 in FA no. 194/2015.

2. The respondent complainant being owner of vehicle no. HR-19B-0475 purchased packaged goods carrying vehicle insurance policy qua the said tractor for the sum insured Rs.7,38,400/-. The policy was valid from 27.05.2006 till 26.05.2007.

3. The respondent complainant also purchased Carrier Legal Liability Insurance Policy for the said tanker for total sum insured Rs.4,00,000/-. The policy was valid from 30.01.2007 till 29.01.2008.

4. That on 05.032007 the subject vehicle carrying diesel while being driven by the driver Dina Nath met with an accident near Lalru District Patiala. Consequently, the tanker truck suffered damage and whole of the diesel loaded in the tanker spilled out of the tanker.

5. The respondent complainant filed two separate claims against the damage caused to the subject vehicle and in respect of loss of diesel as a result of accident. Both the claims were repudiated. The complainant, therefore, filed two separate complaints. The opposite party insurance company settled the claim pertaining to damage to t