MBARUSHIMANA v RADIANT INSURANCE COMPANY Ltd

# MBARUSHIMANA v RADIANT INSURANCE COMPANY Ltd

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2024-03-11 - Case/document no.: RCA 00116/2022/HC/KIG - Collection: High Court

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MBARUSHIMANA v RADIANT INSURANCE COMPANY Ltd [Rwanda URUKIKO RUKURU - RCA 00116/2022/HC/KIG (Gatete, P.J.) 11 Werurwe 2024] Amategeko agenga imanza z’imbonezamubano – Indishyi zikomoka ku mpanuka z’ibinyabiziga – Indishyi mbangamirabukungu – Ubumuga buri munsi ya 30% - Mu kubara indishyi mbangamirabukungu kw’uwagize ubumuga buri munsi ya 30%, ntabwo hashingirwa ku mushahara umuntu yinjiza ku munsi ahubwo hakoreshwa umushahara muto ntarengwa ku munsi ungana na 3.000 Frw. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yabaye ikozwe n’ikinyabiziga cyari gifite ubwishingizi muri Radianta Insurance Company Ltd (Radiant) hanyuma ikomeretsa uwitwa Mbarushimana aho yamuteye ubumuga bwa 28%. Yaje gusaba indishyi ariko ntiyazihabwa bituma atanga ikirego mu Rukiko Rwisumbuye asaba ko yahabwa indshyi zinyuranye zibariwe ku mushahara yinjizaga ku munsi. Urukiko rwategetse Radiant kwishyura indishyi zitandukanye hagendewe ku mushahara muto ntarengwa ku musni wa 3.000 Frw. Urega ntiyishimiye imikirize y’urwo rubanza arujuririra mu Rukiko Rukuru avuga ko asaba ko yabarirwa indishyi ku mushahara yaria asanzwe yinjiza ku munsi. Urukiko rwakiriye ubwo bujurire maze rusuzuma ikibazo cyo kumenya kumenya niba SMIG yakoreshejwe habarwa indishyi mbangamirabukungu ariyo ikwiye. Mbarushimana avuga ko yari umumotari akaba yaragonzwe ari mu kazi nkuko bigaragazwa na raporo y’impanuka ndetse kandi akaba yarakoreraga umushahara ungana na 15 Frw ku munsi akaba asanga ariyo yabarirwaho agenerwa indishyi z’imbangamirabukungu. Radiant yo ivuga ko urega atagomba kubarirwa ku mushahara asanzwe akorera kuko byaba binyuranije n’itegeko dore ko impanuka yamuteye ubumuga butarenze 30%. Incamake y’icyemezo: Mu kubara indishyi mbangamirabukungu kuwagize ubumuga buri munsi ya 30%, ntabwo hashingirwa ku mushahara umuntu yinjiza ku munsi ahubwo hakoreshwa SMIG ya 3.000 Frw bityo ibyo Mbarushimana avuga bikaba nta shingiro bifite kuko yagize ubumuga bwa 28%. Ubujurire nta shingiro bufite. Amategeko yashingiweho: Itegeko N° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 111, 148; Iteka rya Perezida N° 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, ingingo ya 17. Imanza zifashishijwe: RCAA 0049/14/CS, Umuhoza n’abandi na SORAS AG Ltd, rwaciwe n’Urukiko rw’Ikirenga ku wa 25/11/2016.

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Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 26/02/2020, mu Karere ka Kicukiro, Umurenge wa Kicukiro habereye impanuka ikozwe na moto TVS VICTOR GLX, yari itwawe na Mugabe Richard, ifite plaque RE 355J, yari ifite ubwishingizi muri Radiant Insuranse Ltd, iyo mpanuka ikomerekeramo uwitwa Mbarushimana Vedaste, inyandikomvugo y’impanuka ikaba yaragaragaje ko impanuka yatewe n’uwari utwaye moto TVS VICTOR GLX, utarakomeje kugendera mu gisate cy’ibumoso bwe, aho yinjiye mu gisate cy’iburyo. [2] Mbarushimana Vedaste yatanze ikirego muri uru Rukiko, avuga ko yashyikirije Radiant Insurance Ltd dosiye isaba indishyi mu bwumvikane mu ibaruwa yo kuwa 18/12/2020, ubwumvikane burananirana kuko uregwa yatangaga indishyi yirengagije ko uwagonzwe yari afite akazi ke ka buri munsi ko gutwara abagenzi kuri moto, impanuka ikaba yaramuteye ubumuga buhoraho bwa 28%, agasaba Urukiko gutegeka ko yahabwa indishyi mbangamirabukungu, mbangamiraburanga, indishyi z’akababaro, zose bibariye ku mushahara wa 15.000 Frw avuga ko yatahanaga ku munsi, amafaranga yishyuye kwa muganga, ingendo no kugura ibyemezo, no guhabwa igihembo cya Avoka n’ikurikiranarubanza. [3] Radiant Insurance Company Ltd ivuga ko indishyi zatangwa ariko zigashingira k’umushahara w’umwaka muto ntarengwa wa 3000 Frw, ko ku yandi mafaranga asaba yatangwa hashingiwe ku bimenyetso byagaragajwe. [4] Ku wa 22/10/2021, Urukiko Rwisumbuye rwategetse Radiant Insurance Company Ltd kwishyura Mbarushimana Vedaste 907.200 Frw y’indishyi mbangamirabukungu, 302.000 Frw y’indishyi z’akababaro na 108.000 Frw y’indishyi z’ibangamira ry’uburanga; gusubiza Mbarushimana Vedaste 47.341 Frw yishyuye mu kwivuza no kugura dosiye y’impanuka; kwishyura Mbarushimana Vedaste 500.000 Frw y’igihembo cya Avoka na 50.000 Frw y’ikurikiranarubanza no gusubiza Mbarushimana amafaranga y’ingwate y’amagarama yatanze angana na 20.000Frw. [5] Mbarushimana Vedaste ntiyishimiye imikirize y’ uru rubanza, ajurira mu Rukiko Rukuru maze urubanza rwandikwa kuri numero RCA 00116/2022/HC/KIG; iburanishwa rishyirwa ku wa 16/01/2024. Mbarushimana Vedaste ahagarariwe na Me Nsengumuremyi Frederic avuga ko Urukiko rwirengagije ibimenyetso bigaragaza ko yari umumotari ukora umwuga uzwi wo gutwara abagenzi kuri moto ye imwanditseho kandi akaba afite uruhusa rwa burundu rwo gutwara ibinyabiziga birimo na moto, ngo akaba yarahohotewe n’impanuka ari murako kazi ke ka buri munsi nk’uko na raporo ya polisi ibigaragaza, ngo Urukiko Rwisumbuye rwa Nyarugenge rwirengagije nkana ibimenyetso rubarira indishyi kuri SMIG ya 3.000 Frw kandi yararugaragarije ibimenyetso ko yinjizaga buri munsi 15.000 Frw, akaba ariyo mpamvu asaba ko aya 15.000 Frw ariyo yabarirwaho indishyi mbangamirabukungu; ndetse hagasuzumwa uburyo yabariwe indishyi z’akababaro zashingira kuri 40% aho kuba 28% n’indishyi z’ibangamira ry’uburanga zabarirwa kuri 40%; ko kandi Urukiko Rwisumbuye rwa Nyarugenge rwamugeneye indishyi z’ikurikiranarubanza zidahuje n’ibyo yatakaje k’urubanza arukurikirana. Iburanisha risojwe,

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Urukiko ruvuga ko urubanza ruzasomwa ku wa 15/02/2024 ariko uwo munsi ntirwasomwa kubera akazi kenshi, isomwa ryimurirwa kuwa 11/03/2024. [6] Muri uru rubanza, ibibazo bigomba gusuzumwa n’ibi bikurikira:  Kumenya niba SMIG yakoreshejwe habarwa indishyi mbangamirabukungu ariyo ikwiye.  Kumenya niba kugenera MbarushimanaVedaste amafaranga y’ikurikiranarubanza angana na 50,000Frw ariyo yari akwiye.  Kumenya niba indishyi z’akababaro zashingira kuri 40% aho kuba 28%.  Kumenya niba indishyi z’ibangamira ry’uburanga zabarirwa kuri 40%.  Kumenya niba hari indishyi z’ikurikiranarubanza n’igihembo cya Avoka zatangwa mu bujurire. II. IKIBAZO KIRI MU RUBANZA N’ISESENGURWA RYACYO Kumenya niba SMIG yakoreshejwe habarwa indishyi mbangamirabukungu ariyo ikwiye [7] Me Nsengumuremyi Frederic uhagarariye Mbarushimana Vedaste avuga ko nk’uko babisobanuye, Mbarushimana Vedaste ni umumotari ukora umwuga uzwi wo gutwara abagenzi kuri moto ye imwanditseho kandi akaba afite uruhushwa rwa burundu rwo gutwara ibinyabiziga birimo na moto, ngo akaba yarahohotewe n’impanuka ari murako kazi ke ka buri munsi nk’uko na raporo ya polisi ibigaragaza, ko igitangaje m’urubanza rwajuririwe n’uko Urukiko Rwisumbuye rwa Nyarugenge rwirengagije nkana ibimenyetso birimo inyandikomvugo ya polisi igaragza ko urega yagonzwe ari mu kazi ko gutwara abagenzi kuri moto mu Mujyi wa Kigali, icyemezo cya COOPERATIVE ABAHUZA urega ubarizwamo kigaragaza amafaranga angana na 15.000 Frw byibura umunyamuryango wayo atahana k’umunsi cyo kuwa 15/12/2020 kandi ko Urukiko Rwisumbuye rwa Nyarugenge ntacyo rwashingiyeho rukivugurza, inyandikomvugo ya polisi ku rupapuro rwa 4 igaragaza icyateye impanuka kandi ko urega yagonzwe ari mukazi ko gutwara abagenzi kuri moto, Carte jaune ya moto TVS VICTOR GLX RE 355J igaragaza ko ari iya Mbarushimana Vedaste bityo ko yikoreraga ntawe yakorereraga, ibi bikaba bigaragaza ko byibura ibarirwa 5.000frw bya verisoma itangwa n’abamotari batwara moto z’abandi ndetse na 10.000 Frw atahana yose hamwe akaba 15.000 Frw yinjiza k’umunsi, hakaba uruhushya ryo gutwara ibinyabiziga rugaragaza ko urega yemerewe gukora umwuga wo gutwara abagenzi nk’ikimenyetso kigaragaza ko umwuga akora uzwi kuburyo adakwiye kwitiranywa na nyakabyizi udafite umurimo akora uzwi, Vignette ya Radiant Insurance ifite No 0373029 igaragaza ko moto urega yari atwaye ikora akazi ka transport kandi impanuka ikaba yarabaye iri murako kazi; ko rero Urukiko rwafashe Mbarushimana Vedaste nka nyakabyizi maze mukumubarira indishyi rushingira kuri 3.000 Frw asanzwe agenerwa uwahohotewe n’impanuka yo mu muhanda udafite umurimo akora uzwi nyamara atariko byagakwiriye kugenda; ko ari nayo mpamvu urega atishimiye imikirize y’urubanza bityo akaba yaratanze ubu bujurire kugira ngo Urukiko Rukuru ruboneko bufite ishingiro maze rutegeke ko ahabwa indishyi hashingiwe kumafaranga angana na 15.000 Frw nk’uko yayatangiye ibimenyetso kuko umwuga akora uzwi kandi Radiant Insurance Ltd nayo ikaba yemera ko urega yakoraga akazi ko gutwara abagenzi kuri moto.

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[8] Me Mudahogora Angelique uhagarariye Radiant Insurance Company Ltd avuga ko Urukiko rw’Ikirenga mu rubanza N° RCAA 0049/14/CS rwaciwe ku wa 25/11/2016, haburana Umuhoza na bagenzi be na SORAS AG Ltd, urwo Rukiko rwemeje ko uwo mushahara ugomba kubarirwa kuri 3000 Frw ku munsi umwe, bagasanga ari nawo ukwiye gushingirwaho habarwa indishyi, ko rero SMIG yashingirwaho ikaba ari 3.000Frw ku munsi nk’uko n’umucamanza mu Rukiko Rwisumbuye yabyemeje; ko rero hashingirwa ku ngingo ya 17 y’ Iteka rya Perezida No 31/01 ryo kuwa 25/08/2003 ndetse na paragraphe ya 8,9,10 z’urubanza rujuririrwa kuko umucamanza yabisobanuye neza. Uko Urukiko rubibona [9] Urubanza RCAA 0049/14/CS rwaciwe ku wa 25/11/2016, haburana Umuhoza na bagenzi be na SORAS AG Ltd, rwatanze umurongo ko umushahara muto ntarengwa ugomba kubarwa ari 3.000 Frw ku munsi kandi ingingo ya 17 y’Iteka rya Perezida N° 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga igaragaza ko iyo ari ubumuga butarengeje 30%, indishyi y'ibangamirabukungu igenwa hashingiwe k’umushahara w'umwaka muto ntarengwa wemewe n'amategeko1. [10] Urukiko Rwisumbuye rwasobanuye mu rubanza rujuririrwa mu gika cya 92 ko mu kubara indishyi hatakoreshwa 15.000 Frw ivugwa n’uwajuriye ko ariyo yinjizaga ku munsi ahubwo abarirwa ku mushahara muto ku munsi wa 3.000 Frw kuko ubumuga bwe muri munsi ya 30%. [11] Uru Rukiko rusanga rero nk’uko byemejwe n’Urukiko Rwisumbuye, uwajuriye atabarirwa indishyi mbangamirabukungu kuri SMIG ya 15.000 Frw avuga yinjiza k’umunsi kuko byaba binyuranije n’ingingo ya 17 y’Iteka rya Perezida yavuzwe hejuru isobanura ko ubumuga buri munsi ya 30% bubarirwa kuri SMIG ya 3.000 Frw, byumvikanisha ko hadashingirwa k’umushahara umuntu yinjiza k’umunsi; bityo rero ubujurire bwatanzwe kubijyanye n’indishyi mbangamirabukungu bukaba nta shingiro bufite.

1 Ingingo ya 17 y’Iteka rya Perezida N° 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, igira iti:’’Iyo ari ubumuga butarengeje 30%, indishyi y'ibangamirabukungu igenwa hakurikijwe agaciro kagereranije, ijanisha ry'ubumuga n'imyaka y'uwahohotewe ku itariki byemerejweho, ko agaciro kagereranije kangana na: v 1 x umushahara w'umwaka muto ntarengwa wemewe n'amategeko, ko iyo ari umuntu udafite impamyabushobozi ku mwuga cyangwa impamyabumenyi y'amashuri yisumbuye; v 2 x umushahara w'umwaka muto ntarengwa wemewe n'amategeko, iyo ari umuntu ufite impamyabumenyi y'amashuri yisumbuye cyangwa angana nayo ku rwego rwa tekiniki ; v 3 x umushahara w'umwaka muto ntarengwa wemewe n'amategeko, iyo ari umuntu ufite impamyabumenyi y'amashuri makuru’’; ‘’Agaciro kagereranije bakagakuba n'ijanisha ry'ubumuga. Umubare w'amafaranga babonye bakawukuba na: *7 iyo uwahohotewe afite imyaka iri hagati ya 16 na 19; *6 iyo uwahohotewe afite imyaka iri hagati ya 20 na 29; *5 iyo uwahohotewe afite imyaka iri hagati ya 30 na 34; *4 iyo uwahohotewe afite imyaka iri hagati ya 35 na 39; 3 iyo uwahohotewe afite imyaka 40 cyangwa ayirengeje. 2 Urukiko rurasanga ingingo imaze kugaragazwa yumvikanisha ko ku muntu wagize ubumuga buhoraho butarengeje 30%, indishyi mbangamirabukungu zigomba kubarwa hashingiwe ku gaciro kagereranyijwe, gukuba umushahara w’umwaka muto ntarengwa ndetse no ku kigereranyo cy’imyaka uwahohotewe yari afite. Rusanga ibivugwa na Mbarushimana Vedaste ko hashingirwa ku mushahara yatahanaga wa 15000 Frw, byaba binyuranyije n’iyi ngingo kuko yagize ubumuga butari hejuru ya 30%, bityo mu kumugenera indishyi hakaba hagomba gushingirwa ku mushahara w’umwaka muto ntarengwa.

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Kumenya niba kugenera Mbarushimana Vedaste amafaranga y’ikurikiranarubanza angana na 50,000 Frw ariyo yari akwiye [12] Me Nsengumuremyi Frederic uhagarariye Mbarushimana Vedaste avuga ko ngo nk’uko bakomeje kubisobanura, mu rubanza rujuririrwa urega yasabye ko yahabwa amafaranga y’ikurikiranarubanza angana na 500,000 Frw bitewe n’uko yashowe mu manza z’amaherere ndetse akagira ibyo atakaza birimo kugisha inama Avoka no guhagararirwa hageragezwa kugemura impaka m’ubwumvikane ndetse no kuba urega yaragiye yiyambaza umuhesha w’inkiko mubihe bitandukanye, akaba mukugena amafaranga y’ikurikiranarubanza harirengagijwe ibimenyetso byatanzwe bigaragaza ko yakoresheje amafaranga menshi akurikirana urubanza. [13] Me Mudahogora Angelique uhagarariye Radiant Insurance Company Ltd avuga ko amafaranga y’ikurikiranarubanza ntiyatangwa kuko urubanza rwakurikiranwaga na Avoka, ko rero nayo avuga angana na 50.000Frw bamugeneye basanga bitari ngombwa ko bayamuha kuko ari we wishoye mu manza nta mpamvu kuko yanze ubwumvikane. Uko Urukiko rubibona [14] Ingingo ya 111 y’itegeko N° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko «Ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishirizwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe». [15] Urukiko Rwisumbuye rwasobanuye mu gika cya 23 cy’urubanza rujuririrwa ko rusanga kuba Mbarushimana Vedaste yaraburanye ahagarariwe na Avoka, agomba gusubizwa igihembo cye nk’uko amategeko abiteganya, ariko akaba atahabwa 1.000.000 Frw asaba kuko ari menshi, ahubwo yahabwa angana n’ibihumbi magana atanu (500.000 Frw), akanasubizwa 20.000 Frw y’ingwate y’amagarama yatanze. Ku birebana n’amafaranga y’ikurikiranarubanza ruvuga ko rusanga Mbarushimana Vedaste atahabwa 500.000 Frw asaba kuko atayasobanurira impamvu, mu bushishozi bw’Urukiko akaba agomba guhabwa gusa angana na na 50.000 Frw. [16] Uru Rukiko rusanga rero nk’uko byemejwe n’Urukiko Rwisumbuye, amafaranga y’ikurikiranarubanza angana na 50.000 Frw yatanzwe mu bushishozi bw’Urukiko Rwisumbuye, akaba n’uru Rukiko rusanga ariyo akwiye bityo akaba ariyo akwiye kugumaho nk’uko byemejwe n’Urukiko Rwisumbuye. Kumenya niba indishyi z’akababaro zashingira kuri 40% aho kuba 28% [17] Me Nsengumuremyi Frederic uhagarariye Mbarushimana Vedaste avuga ko mukubara indishyi z’akabaro Urukiko Rwisumbuye rwakoresheje 28% aho gukoresha 40%. [18] Me Mudahogora Angelique uhagarariye Radiant Insurance Company Ltd avuga ibi bijyanye n’indishyi z’akababaro ntabyo bajuririye ariko ngo Urukiko rusanze birimo rwabireba. Uko Urukiko rubibona

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[19] Ingingo ya 148 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 iti:” Igihe ntarengwa cyo kujurira ni ukwezi kumwe (1) gitangira kubarwa kuva ku munsi umuburanyi yamenyeyeho ko urubanza rwasomwe”; ibi byumvikanisha ko impamvu itatanze mubihe by’ubujurire utabitanga mu iburanisha murubanza rwajuririwe ngo biburanishwe kuko byatanzwe impitagihe”. [20] Urukiko Rwisumbuye rwasobanuye mu rubanza rujuririrwa mu gika cya 13 ko rushingiye ku ngano y’ubumuga Mbarushimana Vedaste yagize bwa 28%, ari ibangamira ryoroshye, akwiye guhabwa indishyi z’akababaro zibazwe mu buryo bukurikira: 3000 Frw x 30 x 12 x 28%=302.000 Frw. [21] Uru Rukiko rusanga rero mu bujurire bwatanzwe na Mbarushimana Vedaste ntaho yavuze ibijyanye no kubara izi ndishyi kuri 40% ahubwo yagaragazaga ikibazo cyo gusuzuma indishyi zabariwe kuri SMIG ya 3.000Frw aho kubarirwa kuri 15.000Frw, ahubwo yabivugiye muri uru Rukiko kandi ibihe byo kujurira byararenze; akaba rero bitagomba gusuzumwa kuko iyi mpamvu y’ubujurire yavugiye mu rubanza rwajuririwe aho kuyitanga mu bihe by’ubujurire, bityo yayitanze impitagihe. Kumenya niba indishyi z’ibangamira ry’uburanga zabarirwa kuri 40% [22] Me Nsengumuremyi Frederic uhagarariye Mbarushimana Vedaste avuga ko mukubara indishyi z’ibangira ry’uburanga Urukiko Rwisumbuye rwagombaga naho kubarira kuri 40%. [23] Me Mudahogora Angelique uhagarariye Radiant Insurance Company Ltd avuga ko ibi bijyanye n’indishyi z’akababaro ntabyo bajuririye ariko ngo Urukiko rusanze birimo rwabireba. Uko Urukiko rubibona [24] Ingingo ya 148 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 iti:” Igihe ntarengwa cyo kujurira ni ukwezi kumwe (1) gitangira kubarwa kuva ku munsi umuburanyi yamenyeyeho ko urubanza rwasomwe”; ibi byumvikanisha ko impamvu itatanze mubihe by’ubujurire utabitanga mu iburanisha murubanza rwajuririwe ngo biburanishwe kuko byatanzwe impitagihe”. [25] Urukiko Rwisumbuye rwasobanuye mu rubanza rujuririrwa mu gika cya 15 ko raporo ya muganga yasuzumye Mbarushimana Vedaste, yaragaragaje ko yagize ibangamira ry’uburanga riri ku rwego rwa kabiri (grade2), bityo hashingiwe ku ngingo imaze kuvugwa haruguru, akaba agomba guhabwa indishyi z’ibangamiraburanga zihwanye na: 3000 Frw x 30x12 x 10% = 108.000 Frw. [26] Uru Rukiko rusanga rero mu bujurire bwatanzwe na Mbarushimana Vedaste ntaho yavuze ibijyanye no kubara izi ndishyi kuri 40% ahubwo yagaragazaga ikibazo cyo gusuzuma indishyi zabariwe kuri SMIG ya 3.000 Frw aho kubarirwa kuri 15.000 Frw, ahubwo yabivugiye mu Rukiko kandi ibihe byo kujurira byararenze; akaba rero bitagomba gusuzumwa kuko iyi mpamvu y’ubujurire yavugiye murubanza, akaba yarayitanze impitagihe.

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Kumenya niba hari indishyi z’ikurikiranarubanza n’igihembo cya Avoka zatangwa mu bujurire [27] Me Nsengumuremyi Frederic uhagarariye Mbarushimana Vedaste avuga ko asaba Radiant Insurance Company kumwishyura 500.000 Frw y’igihembo cy’Avoka na 100.000 Frw y’ikurikiranarubanza mu rwego rw’ubujurire. [28] Me Mudahogora Angelique uhagarariye Radiant Insurance Company Ltd avuga ko basanga izi ndishyi basaba ntazo bahabwa kuko aribo bashoye Radiant mu rubanza, ahubwo basaba ko aribo bazihabwa. Uko Urukiko rubibona [29] Urukiko rusanga rero nta ndishyi z’ikurikiranarubanza n’igihembo cya Avoka zatangwa mu bujurire kuko uwajuriye yatsizwe ariko akaba nawe atazitanga kuko kujurira ari uburengazira bwe yemererwa n’amategeko. III. ICYEMEZO CY’URUKIKO [30] Rwemeje ko ubujurire bwa Mbarushimana Vedaste nta shingiro bufite; [31] Rutegetse ko imikirize y’urubanza RC 00050/2021/TGI/NYGE rwaciwe n’Urukiko Rwisumbuye rwa Nyarugenge ku wa 25/02/2022 igumyeho mu ngingo zayo zose mu buryo bukurikira:- Rutegetse Radiant Insurance Company Ltd kwishyura Mbarushimana Vedaste 907.200 Frw y’indishyi mbangamirabukungu, 302.000 Frw y’indishyi z’akababaro na 108.000 Frw y’indishyi z’ibangamira ry’uburanga; Rutegetse Radiant Insurance Company Ltd gusubiza Mbarushimana Vedaste 47.341 Frw yishyuye mu kwivuza no kugura dosiye y’impanuka; Rutegetse Radiant Insurance Company Ltd kwishyura Mbarushimana Vedaste 500.000 Frw y’igihembo cya Avoka na 50.000 Frw y’ikurikiranarubanza; Rwemeje ko amafaranga y’ingwate y’amagarama yatanzwe angana na 20.000 Frw, ahwanye n’ibyakozwe mu rubanza, Mbarushimana Vedaste akaba agomba kuyasubizwa na Radiant Insurance Company Ltd; [32] Rutegetse ko ingwate y’amagarama yatanzwe ahwanye n’ibyakozwe muri uru rubanza.