ORDER :

Mr. Balveer Prasad, Member - This appeal has been preferred under Section 15 of the Consumer Protection Act, 1986 against the order dated 28.09.2011 passed by the District Consumer Disputes Redressal Forum, Dehradun (hereinafter referred as ‘The District Forum’) whereby consumer complaint was allowed and The Oriental Insurance Co. Ltd. was directed to pay Rs. 4,14,000 with interest @ 9% per annum, from the date of filing the consumer complaint till payment, along with a sum of Rs. 10,000 as compensation for mental agony and Rs. 10,000 as costs of litigation.

2. The brief fabric of facts, on which the case revolves, is that the complainant Sh. Harminder Singh happens to be the registered owner of the Tempo Traveller No. UA07Q/8574. The vehicle was comprehensively insured for Rs. 5,20,857 with the opposite party from 9.3.2008 to 8.3.2009 and a sum of Rs. 15,607 was paid as annual premium in respect of the said policy No. 2008/18558. On 25.4.2008 at about 7.30 p.m., the said vehicle met with an accident at Kaudiyala, Police Station Devprayag, District Tehri Garhwal. The vehicle fell into a deep ditch, resulting in total damage of the vehicle. The claim was raised, observing all