ORDER :

Surjit Singh, President.(Oral)

Appellant has preferred this appeal against order dated 18.09.2015, of learned District Consumer Disputes Redressal Forum, Sirmour at Nahan, whereby a complaint, under Section 12 of the Consumer Protection Act, 1986, filed against it, by respondent, Smt. Babli Garg, has been allowed and a direction given to it, to pay a sum of Rs. 56,608/-, on account of insurance money, with interest at the rate of 9%, per annum, from the date of filing of complaint, to the date of payment of aforesaid amount and also to pay Rs. 10,000/-, as punitive compensation and Rs. 3,000/-, as costs.

2. Respondent owned a truck, which was insured with the appellant, in the sum of Rs. 5,25,000/-, for the period from 08.04.2010 to 07.04.2011. On 05.05.2010, truck met with an accident and was damaged. Claim was lodged with the appellant, being the insurer. Surveyor deputed by the appellant, assessed the loss at Rs. 56,608/-. Appellant, however, repudiated the claim on the ground that at the time when accident had taken place, fitness certificate of the vehicle, in question, had expired and the respondent without getting a fresh fitness certificate from the prescribed authorit