ORDER

P.S. Rana (R), President - Present appeal is filed under section 15 of Consumer Protection Act 1986 against order dated 02.09.2016 passed by Learned District Forum in Consumer complaint No. 08/2016 title Shan Dei v. ICICI Lombard General Insurance Company Ltd . Brief facts of consumer complaint:

2. Smt. Shan Dei filed consumer complaint under section 12 of Consumer Protection Act 1986 pleaded therein that complainant is registered owner of vehicle No.HP-45-0256 which was insured with the opposite party w.e.f. 29.11.2013 to 28.11.2014. It is pleaded that vehicle met with accident on dated 10.12.2013 at place near Forest Check Post Mahalu Rivulet Tehsil Pangi District Chamba H.P. It is further pleaded that vehicle was totally damaged and factum of accident was intimated to the opposite party and FIR No. 24 dated 11.12.2013 was also registered in police station Pangi. It is pleaded that vehicle rolled down 450 meters below into narrow rivulet. It is further pleaded that complainant submitted claim before opposite party and complainant also sent reminder to opposite party. It is pleaded that complainant purchased the vehicle to earn her livelihood by availing loan from HPGB Branc