BK GENERAL INSURANCE COMAPNY v KARAMUKA

# BK GENERAL INSURANCE COMAPNY v KARAMUKA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-07-28 - Case/document no.: RCA00066/2021/HC/NYZ - Collection: High Court

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BK GENERAL INSURANCE COMPANY Ltd v KARAMUKA [Rwanda URUKIKO RUKURU - RCA00066/2021/HC/NYZ (BADARA, P.J.) 28 Nyakanga 2023] Amategeko agenga imanza z’imbonezamubano – Ubwishingizi bw’impanuka – Indishyi zinyongera- Umwishingizi agomba kwirengera ingaruka zose zikomoka ku mpanuka zirimo no kwiyongera kw’ igipimo cy’ubumuga bigaragaye nyuma yo gutanga indishyi. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yabaye ubwo imodoka yari ifite ubwishingizi bwa BK General Insurance Company Ltd yagongaga imoto yari itwaye abantu babiri bombi bagakomereka. Karamuka urega muri uru rubanza yaje kwegera umwishingizi ntibahita bumvikana atanga ikirego mu Rukiko ariko mbere y’uko urubanza ruburanishwa aza kumvikana n’umwishingizi ahabwa indishyi zumvikanyweho hagendewe ku gipimo cy’ubumuga bwa 45% hanyuma areka ikirego. Nyuma yo kwishyurwa bwa bumuga bwaje kwiyongera ajya kwivuza abaganga bemeza ko ubumuga bwe bwageze kuri 70%. Urega yaje gutanga ikirego mu Rukiko Rwisumbuye rwa Muhanga rumugenera indishyi z’inyongera zirimo n’izo kwivuza ariko uregwa ntiyanyurwa ajuririra urwo rubanza mu Rukiko Rukuru avuga ko ikirego cya Karamuka kitagombaga kwakirwa kuko yaretse ikirego cy’indishyi bityo akaba adashobora kongera kugitanga mu Rukiko ngo cyakirwe dore ko n’indishyi yazihawe. Urukiko Rukuru, Urugereko rwa Nyanza rwakiriye ubu bujurire maze hasuzumwa ibibazo birimo icyo kumenya niba ikirego cy’inyongera cya Karamuka kitaragombaga kwakirwa mu Rukiko Rwisumbuye rwa Muhanga no kumenya niba indishyi z’inyongera zisabwa zatangwa. BK General Insurance Company Ltd ivuga ko Urukiko rwisumbuye rutagombaga kwakira ikirego cy’indishyi cya Karamuka kuko yahawe indishyi hagendewe kuri raporo ya muganga ababuranyi bombi merenyagaho ndetse akanareka n’ikirego yari yaratanze mu rukiko agashimangira ko iyo abagiranye amasezerano bumvikanye ku buryo bwo kuriha amafaranga atangwa bagomba gukurikiza ku buryo budasubirwaho iryo rihwa ry’amafaranga. Anasobanura ko kandi kwiyongera ku igipimo cy’ubumuga ari ibisanzwe ariko ko itegeko ritegeze riteganya ko mu gihe bwiyongereye bwongera gupimwa mu kwirinda ko umwishingizi yahora atanga indishyi zidashira. Karamuka asobanura ko ibyo BK General Insurance Company Ltd ivuga bitahabwa agaciro kuko ibi ari ibirego bibiri bitandukanye: Ubwa mbere zari indishyi kandi izo yahawe nta zihakana, ubu rero ari gusaba indishyi z’inyongera kuko ngo iyo ubumuga bwe butiyongera agasabwa na muganga kongera kubagwa ntabwo, haba hari gusabwa indishyi zinyongera. Incamake y’icyemezo: 1. Mu gihe uburwayi bukomoka ku bumuga bwatewe n’impanuka bwiyongereye, ntibibujijwe kongera gusaba isubirwamo ryo gupima ingano y’ubumuga buhoraho iyo mpanuka yateje ndetse no kubisabira indishyi zinyongera bityo ikirego cyatanzwe na Karamuka kikaba gikwiye kwakirwa kuko ari gishya. 2. Umwishingizi agomba kwirengera ingaruka zose zikomoka ku mpanuka zirimo no kwiyongera ku igipimo cy’ubumuga bigaragaye nyuma yo gutanga indishyi bityo BK General Insurance Company Ltd ikaba igomba gutanga indishyi zinyongera kubera ubumuga bwiyongereye.

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Ubujurire bwatanzwe nta shingiro bufite; Ingwate y’amagarama yatanzwe, ihwanye n’ibyakozwe muri uru rubanza. Amategeko yashingiweho: Itegeko N° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, ingingo ya 65; Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9. Nta manza zifashishijwe Urubanza I. IMITERERE Y’URUBANZA [1] Kuwa 10/03/2018 imodoka yo mu bwoko bwa Jeep TOYOTA Land CRUISER ifite plaque No RDF 572F yari itwawe na Pte Kamanzi Elie yakoze impanuka igongana na Moto TVS Victor RC 967Q yari itwawe na Karamuka Jean Claude ahetse umugenzi witwa Cyiza Francois, ibinyabiziga byose birangirika hakomereka abari kuri iyo moto bose, muganga yasanze urega yaragize ubumuga buhoraho bwa 45 % yasabye ubwumvikane kubushake ntibwashoboka atanga ikirego mu Rukiko rwisumbuye rwa Muhanga asaba indishyi zitandukanye, nyuma yo gutanga ikirego yaje kumvikana na BK General Insurance areka ikirego cye. [2] Nyuma yo kureka ikirego yarishyuwe ariko bwa bumuga buriyongera akomeza kuribwa cyane ajya kwamuganga muri Roi Faysal kwivuza bamuca amafaranga kugira ngo bamuvure bundi bushya (operation), banagaragaza ko afite ubumuga bwa 70% mu gihe yahawe indishyi zitandukanye hashingiwe kubumuga bwa 45%, akaba yaratanze ikirego asaba ko BK General Insurance ko yamuha indishyi ziyongera kuzo yari yahawe kuko yabariwe ku bumuga bwa 45 % kandi afite ubwa 70%. [3] Uhagarariye BK General Insurance avuga ko habaye ubwumvikane ko byarangiye ko atagomba kongera gusaba indishyi yahawe, ko yaretse n’ikirego yari yatanze mu rukiko ayirega izo ndishyi, akaba yariyambuye ububasha bwo kurega. [4] Mu rubanza RC 00054/2021/TGI/MHG rwaciwe kuwa 23 /07/2021 n’urukiko rwisumbuye rwa Muhanga rwategetse BK General Insurance guha Karamuka Jean Claude indishyi mbangamirabukungu zikomoka ku bwiyongere bw’ubumuga nyuma y’ubwumvikane zingana na miliyoni ebyiri n’ibihumbi mirongo itanu na bibiri (2 052 000frw). Rutegeka BK General Insurance guha Karamuka Jean Claude amafaranga angana na miliyoni esheshatu n’ibihumbi magana atatu mirongo ine na bine (6.344.000frw) azajyana kwa muganga ajya kubagwa kubera ubumuga yatejwe n’impanuka y’imodoka ifite ubwishingizi muri BK General Insurance. Rutegeka BK General Insurance guha Karamuka Jean Claude amafaranga ibihumbi umunani na magana abiri (8200frw) yaguze ibyangombwa bitandukanye. Rutegeka BK General Insurance guha Karamuka Jean Claude amafaranga yose hamwe angana na miliyoni esheshatu n’ibihumbi magana atandatu na bine n’amafaranga magana abiri (6 604 200frw).

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[5] Mu gufata icyemezo, urukiko rwasanze mu kirego cya Karamuka Jean Claude yari yatanze mbere hakaba ubwumvikane akakireka yari yatanze ikirego gisaba indishyi zikomoka ku mpanuka yavuzwe haruguru hashingiwe ku bumuga buhoraho bwa 45% bwari bwagaragajwe na muganga, ariko kuri ubu yatanze ikirego asaba indishyi zinyongera zikomoka kuri ya mpanuka kubera ko nyuma yoguhabwa indishyi mu bwumvikane, ubumuga muganga yari yemeje ko bufite 45% bwaramukomeranye akomeza kubabara cyane asubira kwa muganga mu bitaro bikomeye mu gihugu byitiriwe umwami Faysal muganga agaragaza ko ubumuga bwagaragajwe mbere aributo cyane ugereranyije n’ubwo afite, ko afite ubumuga bwa 70% kandi ko agomba kubagwa ( gukorerwa operation). [6] BK General Insurance Ltd yajuririye urukiko rukuru, urugereko rwa Nyanza, urubanza ruhabwa N0 RCA 00066/2021/HC/NYZ. Iburanisha ry’urubanza mu ruhame ryashyizwe kuwa 11/10/2022, uwo munsi ugeze urubanza rwarasubitswe kugira ngo abaganga bagaragaze niba uburwayi bwa Karamuka Jean Claude bukomoka ku mpanuka. Urubanza rwongeye kuburanishwa kuwa 10/07/2023, Karamuka Jean Claude aburanirwa na Me Uwimpaye Jean de Dieu naho BK General Insurance Ltd iburanirwa na Me Nkurunziza Francois Xavier. [7] Raporo y’abaganga yatumye urubanza rusubikwa igaragaza ko Karamuka Jean Claude yagaragaje uburwayi bukurikira: Uburwayi bwo mu itako ry'ibumoso (Severe osteoarthritis with avascular necrosis of the femoral head). Chronic osteomyelitis y'igufa ry'umurundi (tibia) ry'ibumoso, abaganga bashingiye ku byagaragajwe n'ibizamini yakorewe bitandukanye harimo na MRI y'itako ry'ibumoso, bigaragara ko ubu burwayi ari ingaruka (complications) z'impanuka yagize. [8] Mu myanzuro y’ubujurire no mu miburanire, uburanira BK General Insurance Ltd avuga ko kuba Karamuka yararetse ikirego cy’indishyi adashobora kwongera kugitanga mu rukiko ngo cyakirwe hashingiye ku ngingo ya 122 na 123 CPCCSA, BK General Insurance yashingiye kandi ku ngingo za 6 igika cya nyuma n’iya 9 igika cya nyuma y’Iteka rya Perezida aho ziteganya ko igihe abagiranye amasezerano bemera raporo ya muganga bagomba gukurikiza ibiyivugwamo byose hamwe n’ibigereranyo biyivugwamo. Iyo abagiranye amasezerano bumvikanye ku buryo bwo kuriha amafaranga atangwa bagomba gukurikiza ku buryo budasubirwaho iryo rihwa ry’amafaranga. BK General Insurance yashingiye kandi ku ngingo ya 80 al 1 y’itegeko N0 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, aho iteganya ko gukora ibisabwa byose mu masezerano bikuraho inshingano zo kubikora. Izo ngingo zose z’amategeko ntacyo urukiko rwazivuzeho kandi ari ingirakamaro mu rubanza kuko zigaragaza ko iyo umuntu yaretse ikirego cy’indishyi kubera ko habayeho ubwumvikane adashobora kwongera gutanga ikindi kirego muri urwo rukiko ngo cyakirwe. Bityo kuba urukiko rutarashubije ingingo BK General Insurance yaburanishije mu rubanza bikaba bifatwa nk’inenge ikomeye. [9] Uburanira BK General Insurance Ltd akomeza avuga ko kuba Karamuka Jean Claude afite uburwayi bw’ingaruka z’impanuka nta gitangaza kirimo. Gusa ikibazo nicyo kumenya niba umwishingizi agomba gukomeza kumuvuza no kumuha izindi ndishyi ziyongera kuzo yabonye mbere zingana na 5.752.435 Frw. BK General Insurance isanga raporo yakozwe n’abaganga bashyizweho ntacyo igomba guhindura kubyakozwe mbere yayo. Kuba nyuma y’urubanza RC 00132/2019/TGI/MHG Karamuka yarakoreshe indi expertise nshya ivuga ko ubumuga bwe bwiyongereye bityo akaba agomba kubanza kwivuza kugirango nyuma yaho hazagaragazwe ubundi bumuga buhoraho ari naho Karamuka ashingira asaba urukiko gutegeka BK General

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insurance kwishyura amafaranga yo kwivuza, BK General Insurance isanga ibyo binyuranye n’itegeko. Ubumuga bwitwa ko buhoraho iyo kuvura ubufite bidashobora kugira icyo bihindura. Byongeye kandi ubumuga ubwo aribwo bwose bugenwa hakurikijwe amategeko ariho mu gihugu. Aha twakwibutsa ko contre expertise yakozwe na Dr Kayihura Félix kuwa 22/10/2019 ivuga ingingo yashingiyeho nk’umuganga kandi iyo contre expertise Karamuka yarayemeye bivuze ko imugiraho ingaruka ku buryo budasubirwaho ndetse ni nayo Karamuka na BK General Insurance bashingiyeho bikiranura. [10] Uburanira BK General Insurance Ltd avuga ko kuba iteka ryavuzwe haruguru ridateganya igihe, uburyo n’ibisabwa kugirango ubumuga buhoraho busubirwemo ( revisions de l’incapacité permanente partielle ou totale), byakozwe mu buryo bwo kwirinda ko umwishingizi yahora yishyura indishyi zitagira iherezo uwakomerekeye mu mpanuka yitwaza ko agikomeza kwivuza ari nayo mpamvu mu ngingo zaryo za 6 na 9 riteganya ko iyo habayeho kumvikana ku bumuga buhoraho no ku ndishyi zishyurwa, abo bireba bagomba kubikurikiza ku buryo budasubirwaho( les parties sont liées irrévocablement). Bityo raporo yakozwe na Dr Bosco Mpatswenumugabo ndetse n’iyakozwe na Dr Kayihura Félix na Dr Bosco Mpatswenumugabo ntacyo zishobora guhindura kuko bidateganyijwe n’itegeko. [11] Uhagarariye BK General Insurance Ltd avuga ko mu rubanza RC 00054/2021/TGI/MHG BK General Insurance yari yatanze ikirego cyuririye ku kindi asaba indishyi zigizwe n’igihembo cy’avoka 500.000 Frw n’amafaranga y’ingendo 58.800 Frw mu gutegura no kuburana urubanza. Gusa mu mikirize y’urwo rubanza ntacyo urukiko rwabivuzeho. Bityo mu rwego rw’ubujurire BK General Insurance ikaba isaba Urukiko rukuru Urugereko rwa Nyanza gutegeka Karamuka Jean Claude kwishyura ayo mafaranga ndetse hiyongereyeho n’igihembo cy’avoka mu rwego rw’ubujurire 500.000 Frw n’amafaranga y’ingendo kuva i Kigali ujya i Nyanza no kugaruka, hakorwa inama ntegura rubanza no kuburana urubanza mu mizi. [12] Karamuka Jean Claude avuga ko iyi nzitizi itangwa n'uhagarariye BK nta shingiro ikwiye guhabwa kuko ibi ni ibirego bibiri bitandukanye ubwa mbere zari indishyi kandi izo yahawe nta zihakana, ubu rero ari gusaba indishyi zinyongera, iyo ubumuga bwe butiyongera, iyo adasabwa na muganga kongera kubagwa ntabwo haba hari gusabwa indishyi z’inyongera, kandi BK GI niyo ikwiye kuzisabwa kuko ni ingaruka zikomoka ku mpanuka yagize itewe n'umushoferi wari utwaye imodoka yishingiye, rero nta wundi waryozwa izi ndishyi kandi bigaragara ko zikomoka ku mpanuka yateye ubumuga Karamuka. [13] Ibibazo bigiye gusuzumwa muri uru rubanza ni ibi bikurikira: a) Kumenya niba ikirego cy’inyongera cya Karamuka Jean Claude kitaragombaga kwakirwa mu Rukiko Rwisumbuye rwa Muhanga. b) Kumenya indishyi z’inyongera zahabwa Karamuka Jean Claude c) Kumenya niba hari izindi ndishyi zatangwa muri uru rubanza. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA a) Kumenya niba ikirego cy’inyongera cya Karamuka Jean Claude kitaragombaga kwakirwa mu Rukiko Rwisumbuye rwa Muhanga.

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[14] Uburanira BK General Insurance Ltd avuga ko kuba Karamuka yararetse ikirego cy’indishyi adashobora kwongera kugitanga mu rukiko ngo cyakirwe hashingiye ku ngingo ya 122 na 123 CPCCSA, BK General Insurance yashingiye kandi ku ngingo za 6 igika cya nyuma n’iya 9 igika cya nyuma y’Iteka rya Perezida aho ziteganya ko igihe abagiranye amasezerano bemera raporo ya muganga bagomba gukurikiza ibiyivugwamo byose hamwe n’ibigereranyo biyivugwamo. Iyo abagiranye amasezerano bumvikanye ku buryo bwo kuriha amafaranga atangwa bagomba gukurikiza ku buryo budasubirwaho iryo rihwa ry’amafaranga. BK General Insurance yashingiye kandi ku ngingo ya 80 al 1 y’itegeko N0 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, aho iteganya ko gukora ibisabwa byose mu masezerano bikuraho inshingano zo kubikora. Izo ngingo zose z’amategeko ntacyo urukiko rwazivuzeho kandi ari ingirakamaro mu rubanza kuko zigaragaza ko iyo umuntu yaretse ikirego cy’indishyi kubera ko habayeho ubwumvikane adashobora kwongera gutanga ikindi kirego muri urwo rukiko ngo cyakirwe. Bityo kuba urukiko rutarashubije ingingo BK General Insurance yaburanishije mu rubanza bikaba bifatwa nk’inenge ikomeye. [15] Uburanira BK General Insurance Ltd asobanura ko kuba iteka ryavuzwe haruguru ridateganya igihe, uburyo n’ibisabwa kugirango ubumuga buhoraho busubirwemo (revisions de l’incapacité permanente partielle ou totale), byakozwe mu buryo bwo kwirinda ko umwishingizi yahora yishyura indishyi zitagira iherezo uwakomerekeye mu mpanuka yitwaza ko agikomeza kwivuza ari nayo mpamvu mu ngingo zaryo za 6 na 9 riteganya ko iyo habayeho kumvikana ku bumuga buhoraho no ku ndishyi zishyurwa, abo bireba bagomba kubikurikiza ku buryo budasubirwaho (les parties sont liées irrévocablement). Bityo raporo yakozwe na Dr Bosco Mpatswenumugabo ndetse n’iyakozwe na Dr Kayihura Félix na Dr Bosco Mpatswenumugabo ntacyo zishobora guhindura kuko bidateganyijwe n’itegeko. [16] Karamuka Jean Claude avuga ko iyi nzitizi itangwa n'uhagarariye BK nta shingiro ikwiye guhabwa kuko ibi ni ibirego bibiri bitandukanye ubwa mbere zari indishyi kandi izo yahawe nta zihakana, ubu rero ari gusaba indishyi z’inyongera iyo ubumuga bwe butiyongera, iyo adasabwa na muganga kongera kubagwa ntabwo haba hari gusabwa indishyi zinyongera, kandi BK GI niyo ikwiye kuzisabwa kuko ni ingaruka zikomoka ku mpanuka yagize itewe n'umushoferi wari utwaye imodoka yishingiye, rero nta wundi waryozwa izi ndishyi kandi bigaragara ko zikomoka ku mpanuka yateye ubumuga Karamuka. UKO URUKIKO RUBIBONA [17] Impaka ziri muri uru rubanza zishingiye ku kumenya niba ikirego cya Karamuka Jean Claude ku ndishyi z’inyongera yasabye kitaragombaga kwakirwa kubera ko yumvikanye n’umwishingizi areka ikirego cy’indishyi, ko adashobora kwongera kugitanga mu rukiko. [18] Ingingo ya 65 y’itegeko N° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano ivuga ko amasezerano nta tegeka gusa icyemejwe ahubwo yongeraho n'ingaruka ugushyira mu kuri, imigenzereze cyangwa amategeko byageneye inshingano bikurikije kamere yayo. [19] Ikibazo cy’uko ubumuga bushobora kwiyongera nta kintu cyavuzweho mu mategeko yo mu Rwanda ariko kuba ubumuga bwakwiyongera ni ibintu bibaho nk’uko byagenze kuri Karamuka Jean Claude. Inyandiko z’abahanga zirabyemeza, ikingenzi ni uko bigomba kuba byemejwe na muganga ko ubumuga bwiyongereye. Abahanga babisobanuye muri aya magambo:

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“Sachez qu'il est possible de demander la révision de votre taux d'incapacité permanente. La révision peut être à l'initiative du service médical ou suite à votre demande à tout moment dans les 2 ans suivant la guérison ou la consolidation puis à des intervalles d'un minimum au-delà de ce délai. Pour demander la révision de votre taux d'incapacité permanente (IPP), vous devez faire parvenir à votre caisse d'Assurance Maladie un certificat médical descriptif d'aggravation des séquelles établi par votre médecin traitant”1. [20] Urukiko rurasanga kuri Karamuka Jean Claude harabayeho impanuka imusigira ubumuga buhoraho bugana na 45 % baza kumvina na BK General Insurance Ltd barangiza ikibazo bituma Karamuka Jean Claude ahabwa amafranga angana na 5 500 000 frw nawe ahita areka ikirego. Nyuma yakomeje kuribwa agiye kwa muganga basanga ubumuga bwariyongeye bugera kuri 70% akaba asaba ikinyuranyo kuko ubumuga bwe bwiyongere ndetse akaba agomba kubagwa bikamutwara amafranga angana na 6,344.000 nk’uko agaragazwa na facture proforma yakozwe n’ibitaro by’umwami Faisal. [21] Urukiko rurasanga ikirego cya Karamuka Jean Claude cyaragombaga kwikirwa kubera ko ni ikirego gishya gikomoka ku mpanuka yakomeje kugira ingaruka ku buzima bwe. Ikindi amafranga yahawe mu bwumvikane ntabwo ariyo asaba ahubwo arasaba amafranga y’inyongera bitewe n’uko umubuga bwariyongereye. b) Kumenya indishyi z’inyongera zahabwa Karamuka Jean Claude [22] Uburanira BK General Insurance Ltd avuga ko kuba Karamuka Jean Claude afite uburwayi bw’ingaruka z’impanuka nta gitangaza kirimo. Gusa ikibazo nicyo kumenya niba umwishingizi agomba gukomeza kumuvuza no kumuha izindi ndishyi ziyongera kuzo yabonye mbere zingana na 5.752.435 Frw. BK General Insurance isanga raporo yakozwe n’abaganga bashyizweho ntacyo igomba guhindura kubyakozwe mbere yayo. Kuba nyuma y’urubanza RC 00132/2019/TGI/MHG Karamuka yarakoreshe indi expertise nshya ivuga ko ubumuga bwe bwiyongereye bityo akaba agomba kubanza kwivuza kugirango nyuma yaho hazagaragazwe ubundi bumuga buhoraho ari naho Karamuka ashingira asaba urukiko gutegeka BK General insurance kwishyura amafaranga yo kwivuza, BK General Insurance isanga ibyo binyuranye n’itegeko. Ubumuga bwitwa ko buhoraho iyo kuvura ubufite bidashobora kugira icyo bihindura. Byongeye kandi ubumuga ubwo aribwo bwose bugenwa hakurikijwe amategeko ariho mu gihugu. Aha twakwibutsa ko contre expertise yakozwe na Dr Kayihura Félix kuwa 22/10/2019 ivuga ingingo yashingiyeho nk’umuganga kandi iyo contre expertise Karamuka yarayemeye bivuze ko imugiraho ingaruka ku buryo budasubirwaho ndetse ni nayo Karamuka na BK General Insurance bashingiyeho bikiranura. [23] Karamuka Jean Claude avuga ko asaba indishyi z’inyongera kubera ubumuga bwariyongereye, iyo adasabwa na muganga kongera kubagwa ntabwo haba hari gusabwa indishyi z’inyongera, kandi BK GI niyo ikwiye kuzisabwa kuko ni ingaruka zikomoka ku mpanuka yagize itewe n'umushoferi wari utwaye imodoka yishingiye, rero nta wundi waryozwa izi ndishyi kandi bigaragara ko zikomoka ku mpanuka yateye ubumuga Karamuka. UKO URUKIKO RUBIBONA 1 1 https://forum-assures.ameli.fr/questions/1442834-peut-refaire-evaluer rente#:~:text=Sachez%20qu'il%20est %20possible,au%2Ddel%C3%A0%20de%20ce%20d%C3%A9lai.

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[24] Ingingo ya 9 y’itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ivuga ko Umucamanza aca urubanza ashingiye ku ngingo z’amategeko zirebana n’ikirego yaregewe. Iyo nta tegeko rijyanye n’ikiburanwa ashingira ku mategeko asanga yashyiraho mu gihe yaba ashinzwe kuyashyiraho, yifashishije ibyemezo byagiye bifatwa n’inkiko, umuco, amahame rusange agenga amategeko n’inyandiko z’abahanga mu mategeko. [25] Ikibazo cy’indishyi z’inyongera zikomoka ku mpanuka ntabwo zasobanuwe mu mategeko y’u Rwanda ariko urukiko rurasanga BK General Insurance Ltd igomba kwirengera ingaruka zose zituruka kuri iyo mpanuka, nta mpamvu yo kwitwaza ko yari yarumvikanye na Karamuka Jean Claude kuko indishyi z’inyongera zisabwa ntaho zihuriye n’izo yabonye. [26] Urukiko rurasanga indishyi zigomba guhabwa Karamuka Jean Claude zigombwa kubarirwa ku bumuga bwa 70 % hagakurwamo 5 500 000 frw yatanzwe mu bwumvikane noneho Karamuka Jean Claude akabona ikinyuranyo cy’amafranga asigaye. Indishyi zibariwe ku bumuga bwa 70%: Indishyi z’ibangamirabukungu zikaba zingana na (3000 FRW X 30 X12 X34 X 70%) /1+(7,772 % x34) = 7 056 730 frw. Indishyi z’akababaro: 100 % x 3000 x 30 x12 = 1 080 000 frw. Indishyi mbangamiraburanga: 100 % x 3000 x 30 x12 = 1 080 000 frw. Amafranga yo kubarwa angana na 6,344.000 frw nk’uko bigaragazwa na facture proforma n’amafranga y’ibyangombwa angana 8 200frw. Ku bijyanye n’amafranga yishyuwe kwa muganga angana na 173 343 n’amafranga yakoreshejwe ava anajya kwa muganga 300 000 frw, urukiko rurasanga atagomba kuyahabwa kubera ko atayatangira ibimenyetso. [27] Urukiko rurasanga amafranga y’inyongera Karamuka Jean Claude agomba guhabwa angana na (7 056 730 frw +1 080 000 frw+1 080 000 frw+6,344.000 frw +8 200frw)-5 500 000 = 10 068 930 frw. c) Kumenya niba hari izindi ndishyi zatangwa muri uru rubanza. [28] Karamuka Jean Claude arasaba urukiko ko rwategeka BK G I kumusubiza igihembo cy’avoka kingana na 1.000.000Frw yishyuye umunyamategeko wamuburaniye ku rwego rwa mbere kuko mu rubanza rujuririrwa ntacyo umucamanza yabivuzeho, arasaba kandi gusubizwa igihembo 500,000Frw ku rwego rw'ubujurire. [29] Urukiko rurasanga Karamuka Jean Claude yahabwa igihembo cy’avoka kingana na miliyoni imwe (1 000 000) gikubiyemo igihembo cy’avoka mu rukiko rwisumbuye rwa Muhanga no mu rukiko rukuru, urugereko rwa Nyanza kubera ko hose yaburanye yunganiwe. III. ICYEMEZO CY’URUKIKO [30] Rwemeje ko ubujurire bwatanzwe na BK General Insurance Ltd nta shingiro bufite. [31] Rwemeje ko imikirize y’urubanza RC 00054/2021/TGI/MHG rwaciwe n’urukiko rwisumbuye rwa Muhanga ihindutse ku bijyanye n’indishyi. [32] Rutegetse BK General Insurance Ltd guha Karamuka Jean Claude indishyi zingana na 10 068 930 FRW n’igihembo cy’avoka kingana na miliyoni imwe (1.000.000 FRW) yose hamwe akaba 11 068 930 FRW.

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[33] Rutegetse ko ingwate y’amagarama y’ibihumbi mirongo ine (40 000 frw) yatanzwe na BK General Insurance Ltd ihwanye n’ibyakozwe muri uru rubanza.