JUDGMENT

1. The facts of the case as per the District Commission record are as under:

“1. The complainant has filed the present complaint against OPs under Section 12 of the Consumer Protection Act., 1986 thereby alleging that OP-2 is an employee of the complainant and is working as Assistant Manager and is necessary and proper party and the complainant purchased a Vehicle Maruti Vagon R Lxi bearing Regn. No. DL-2C- Ak-0766 on 22.11.2008 for a total sum of Rs.3,26,963.62 and under Employee Welfare Scheme, the vehicle was provided to OP-2 for his personal as well as official purposes under an agreement of hypothecation dated 02.10.2008 and under Insurance Policy, the vehicle was not only insured for its own value but also for 3rd party liability which provides for and covers liability to 3rd party which means indemnity to the insured in the event of accident caused by or arising out of the use of the motor vehicle against all sums including claimants costs and expenses in respect of death of or bodily injury to any person including occupants carried in the motor vehicle provided such occupants and the liability of OP in case of the accident is unlimited as per Motor Vehicle Act, 1988