1. The appellant / original opponent No. 1 has filed present appeal under S.41 of the Consumer Protection Act, 2019 being aggrieved by and dissatisfied with the judgment and order passed by the learned District Consumer Disputes Redressal Commission, Junagadh dated 11.9.2019 in complaint No. 45 of 2016.

2. Heard learned Advocate Mr. D.M. Soni, for the appellant.
2.1. The appellant is the original opponent No. 1, respondent No. 1 is original complainant and respondent No. 2 is original opponent No. 2 in this appeal. Hereinafter the appellant and respondents will be referred as per their original status.

3. Facts of the case of the complainant: The complainant has obtained commercial vehicle policy for his truck bearing registration No. GJ - 11 - Y - 6325 from opponent No. 1 through opponent No. 2. Opponent No. 1 has issued the commercial vehicle policy for the period between 18.11.2014 to 17.11.2015 vide policy No. OG - 15-2218-1903-00000065 for the sum insured of Rs.14,88,254 in favour of complainant. During the existence of policy on 10.9.2015 while the truck was driven by driver was met with an accident with ST bus Nr. Vadodara Padra Road. The truck was damaged and front side of t