MURORUNKWERE V. SONARWA

# MURORUNKWERE V. SONARWA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2021-06-11 - Case/document no.: RS/INJUST/RC 00001/2021/CA - Collection: Court of Appeal

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MURORUNKWERE V. SONARWA [Rwanda URUKIKO R’UBUJURIRE – RS/INJUST/RC 00001/2021/CA /CA (MUKANYUNDO P.J., KAMERE na NGAGI J). 11 Kamena 2021] Amategeko agenga amasezerano – amasezerano y’ubwishingizi – ubwishingizi bwa Comesa – Ibiro bya Comesa ku rwego rw’Igihugu bifite inshingano yo gukemura mu izina ry’abanyamuryango ba Comesa biba byahaye yellow card ngo bazitange ku bakiriya babo, ibibazo byose bijyanye n’impanuka zabereye mu mahanga – Comesa Protocal on Third Party Motor Vehicule Insurance ingingo ya 3,4 Amategeko agenga amasezerano – amasezerano y’ubwishingizi – ubwishingizi bwa Comesa – kuba ikigo cy’ubwishingizi gitanze Comesa yellow card gishingiye ku masezerano y’ubwishingizi ikinyabiziga gisanzwe gifite ateganya ko hishingiwe ibyabandi cyakwangiza (RC), abagize umuryango (RC+) ndetse na occupants, uwashakanye n’uwishingiwe iyo akomerekeye mu kinyabiziga cyishingiwe haba mu Rwanda cyangwa mu kindi gihugu kinyamuryango cya Comesa ahabwa indishyi kereka haramutse hari andi masezerano yihariye agaraza abishingiwe. Incamake y’ikibazo: Uru rubanza rwatangiriye mu Rukiko Rwisumbuye rwa Nyarugenge, Murorunkwere arega Sonarwa General Insurance Company Ltd asaba indishyi zikomoka ku bumuga yatewe n'impanuka y'imodoka RAB 477 J, yabereye mu gihugu cya Tanzania kuko yari yafashe ubwishingizi bwa Comesa muri icyo kigo. Urukiko Rwisumbuye rwa Nyarugenge rwaciye urubanza rwemeza ko Sonarwa General Insurance Company Ltd igomba kwishyura Murorunkwere indishyi zitandukanye. Sonarwa General Insurance Company Ltd ntiyishimiye imikirize y’urubanza maze ijuririra mu Rukiko Rukuru ivuga ko Urukiko Rwisumbuye rutasobanukiwe neza ibyerekeranye n'imikoreshereze ya Comesa yellow card, kuko rwagennye indishyi rushingiye ku Iteka rya Perezida Nº 31/01 ryo ku wa 25/8/2003 kandi rigenga gusa indishvi ku mpanuka zabereye ku butaka bw'u Rwanda, bityo ngo Murorunkwere yagogombaga gutanga ikirego muri Tanzania, ivuga kandi ko Urukiko rwirengagije ko umwishingizi adategetswe kwishyura uwahohotewe mu gihe yivurije ahatari mu Rwanda atabanje kubyemererwa. Urukiko Rukuru rwaciye urubanza RCA0304/15/HC/KIG rwemeza ko ubujurire bwatanzwe na Sonarwa General Insurance Company Ltd nta shingiro bufite, nayo ntiyishimiye imikirize y’urubanza maze itakambira Urwego rw’Umuvunyi isaba ko urubanza rwaciwe n’Urukiko Rukuru rusubirwamo ku mpamvu z’akarengane.Nyuma y’isesengura, Urwego rw’Umuvunyi rwandikiye Perezida w’Urukiko rw’Ikirenga rusaba ko urubanza RCA0304/15/HC/KIG rusubirwamo ku mpamvu z’akarengane. Perezida w’Urukiko rw’Ikirenga yemeje ko urubanza RCA0304/15/HC/KIG rusubirwamo ku mpamvu z’akarengane, maze arwohereza mu Rukiko rw’Ubujurire ngo ruruburanishe. Abahagarariye Sonarwa General Insurance Company Plc bavuga ko idakwiye kuryozwa impanuka y’imodoka yakomerekeyemo murorunkwere, kuko iyo mpanuka yabereye mu gihugu cya Tanzania,

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bavuga kandi ko Urukiko Rwisumbuye rwa Nyarugenge ndetse n’Urukiko Rukuru zaciye urubanza zitabifitiye ububasha kubera ko Comesa Protocol Third Party Motor Vehicule Insurance ari itegeko ryihariye (loi speciale) mu gukemura ibibazo by’impanuka zakozwe n’ibinyabiziga byambukiranya imipaka. Ababuranira Murorunkwere bavuga ko kuba impanuka yarabereye mu gihugu cya Tanzania bitabuza Sonarwa General Insurance Company Plc kuryozwa ingaruka zose zirebana n'iyo mpanuka mu gihe ari yo yatanze Comesa yellow card. Urukiko rw’Ubujurire rwemeje ko Murorunkwere yari yishingiwe na Sonarwa Plc bityo ko agomba guhabwa indishyi. Incamake y’icyemezo : 1.Ibiro bya Comesa ku rwego rw’Igihugu bifite inshingano yo gukemura mu izina ry’abanyamuryango ba COMESA biba byahaye yellow card ngo bazitange ku bakiriya babo, ibibazo byose bijyanye n’impanuka zabereye mu mahanga. Sonarwa General Insurance Company Plc nk’Ikigo gitanga ikarita y’ubwishingizi ya Comesa, ikorana na Biro ya buri gihugu kinyamuryango cya Comesa mu bijyanye no gukora iperereza ku mpanuka zabereye hanze y’Igihugu no kwishyura indishyi mu gihe ibisabwe. 2.kuba ikigo cy’ubwishingizi gitanze Comesa yellow card gishingiye ku masezerano y’ubwishingizi ikinyabiziga gisanzwe gifite ateganya ko hishingiwe by’abandi cyakwangiza (RC), abagize umuryango (RC+) ndetse na occupants, uwashakanye n’uwishingiwe iyo akomerekeye mu kinyabiziga cyishingiwe haba mu Rwanda cyangwa mu kindi gihugu kinyamuryango cya Comesa ahabwa indishyi kereka haramutse hari andi masezerano yihariye agaraza abishingiwe. ikirego cyo gusubirishamo urubanza ku mpamvu z’akarengane nta shingiro gifite; Amategeko yashingiweho: Itegeko Nº 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi 12,111 Itegeko Nº 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingingo ya 4. Itegeko-Teka Nº 32/75 ryo ku wa 7 Kanama 1975 ryerekeye ubwishingire butegetswe ku buryozwe butewe n’ibigenzwa ku butaka bifite moteri ingingo ya 1 Comesa Protocal on Third Party Motor Vehicule Insurance ingingo ya 3,4 Assar directives on motor insurance minimum premium tariff, ingingo ya 17. Nta manza zifahishijwe. I. IMITERERE Y’URUBANZA

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[1] Uru rubanza rwatangiriye mu Rukiko Rwisumbuye rwa Nyarugenge, Murorunkwere Suzanne (umugore wa Baruko Jean Pierre wari ufite imodoka RAB 477 J yafatiye ubwishingizi bwa Comesa muri Sonarwa General Insurance Company Ltd, iyo modoka ikaba yarakoreye impanuka muri Tanzania) arega Sonarwa General Insurance Company Ltd asaba indishyi zikomoka ku bumuga yatewe n'impanuka y'imodoka RAB 477 J, yabereye mu gihugu cya Tanzania. [2] Urukiko Rwisumbuye rwa Nyarugenge rwaciye urubanza Nº RC 0582/14/TGI/NYGE ku wa.rwemeza ko Sonarwa General Insurance Company Ltd igomba gusubiza Murorunkwere Suzanne 100.384.610Frw yakoresheje yivuza mu Rwanda no hanze y'u Rwanda kubera ko yagize impanuka afite ubwishingizi bwa Sonarwa RC+ bumwemerera kuba yakwishyurwa; ruyitegeka kumwishyura 678.810Frw yakoresheje yivuza nyuma yo gutanga ikirego, 7.032.238Frw y’indishyi mbangamirabukungu, 900.000Frw y’indishyi z’akababaro, 900.000Frw y’indishyi mbangamiraburanga, 450.000Frw y’indishyi mbangamiraburambe ku kazi, 1.000.000Frw y’igihembo cya Avoka no kumusubiza 50.000Frw y'igarama. [3] Sonarwa General Insurance Company Ltd ntiyishimiye imikirize y’urubanza maze ijuririra mu Rukiko Rukuru ivuga ko Urukiko Rwisumbuye rwa Nyarugenge rutasobanukiwe neza ibyerekeranye n'imikoreshereze ya Comesa yellow card, kuko rwagennye indishyi rushingiye ku Iteka rya Perezida Nº 31/01 ryo ku wa 25/8/2003 ubusanzwe rigenga gusa indishvi ku mpanuka zabereye ku butaka bw'u Rwanda, rukaba rutaragombaga kwakira ikirego cyatanzwe na Murorunkwere Suzanne kubera ko yari afite Comesa yellow card yemewe mu bihugu byose biri muri Comesa, ikaba yaragombaga gukoreshwa muri Tanzania akaba ari naho ibibazo bikemukira kubera ko ariho impanuka yabereye. Ivuga kandi ko Urukiko rwirengagije ko umwishingizi adategetswe kwishyura uwahohotewe mu gihe yivurije ahatari mu Rwanda atabanje kubyemererwa n'akanama k'Abaganga gateganywa n'Iteka rya Perezida ryavuzwe haruguru. [4] Ku wa 21/01/2016, Urukiko Rukuru rwaciye urubanza RCA0304/15/HC/KIG rwemeza ko ubujurire bwatanzwe na Sonarwa General Insurance Company Ltd nta shingiro bufite, runayitegeka guha Murorunkwere Suzanne 600.000Frw y'ikurikiranarubanza n'igihembo cya Avoka. [5] Sonarwa General Insurance Company Ltd ntiyishimiye imikirize y’urubanza maze itakambira Urwego rw’Umuvunyi isaba ko urubanza RCA304/15/HC/KIG rwaciwe n’Urukiko Rukuru ku wa 21/01/2016, rusubirwamo ku mpamvu z’akarengane, ivuga ko akarengane kayo gashingiye ku kuba Murorunkwere Suzanne yaragenewe indishyi zikomoka ku mpanuka yabereye muri Tanzania kandi nta bwishingizi ndengamupaka bwa RC+ Sonarwa General Insurance Company Ltd yari ifitanye na nyir’imodoka, bityo Sonarwa General Insurance Ltd ikaba itaragombaga kuryozwa iby’impanuka yakozwe n’uwashakanye na nyir’imodoka igihe nta bwishingizi burebana n’umuryango we nyir’imodoka (Baruko Jean Pierre) yigeze afata igihe cyo kohereza imodoka ye mu gihugu cya Tanzania. [6] Nyuma yo gukora isesengura ry’akarengane rwagejejweho, ku wa 25/07/2018, Urwego rw’Umuvunyi rwandikiye Perezida w’Urukiko rw’Ikirenga ibaruwa Nº OMB.03/2073/07.18/NA rusaba ko urubanza RCA0304/15/HC/KIG rusubirwamo ku mpamvu z’akarengane.

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[7] Mu cyemezo Nº 081/CJ/2021 cyo ku wa 12/01/2021, Perezida w’Urukiko rw’Ikirenga yemeje ko urubanza RCA 0304/15/HC/KIG rusubirwamo ku mpamvu z’akarengane, maze arwohereza mu Rukiko rw’Ubujurire ngo ruruburanishe, rwandikwa kuri Nº RS/INJUST/RC 00001/2021/CA. [8] Mu myanzuro yo gutanga ikirego cyo gusubirishamo urubanza ku mpamvu z’akarengane, Sonarwa General Insurance Company Plc isaba Urukiko rw’Ubujurire gusuzuma niba inkiko zo mu Rwanda zifite ububasha bwo kuburanisha ibyerekeye impanuka z’ibinyabiziga zabereye mu bindi bihugu binyamuryango bya Comesa, gusuzuma niba impanuka y’imodoka RAB 477 J yabereye muri Tanzania yari ikwiye kuregerwa mu Rwanda, gusuzuma niba imodoka RAB 477 J ya Baruko Jean Pierre yakomerekeyemo umugore we Murorunkwere Suzanne yari ifite extension y’ubwishingizi ndengamupaka bwa RC+ bw’umuryango we, gusuzuma niba SONARWA General Insurance Company Plc ari yo yari ikwiye kuregwa mu gihe impanuka yakomerekeyemo Murorunkwere Suzanne yatewe n’ikinyabiziga kitazwi no gusuzuma niba Murorunkwere Suzanne atategekwa gusubiza amafaranga yishyuwe yose hiyongereyeho inyungu zayo mu gihe yatsindwa n’uru rubanza, inasaba indishyi zitandukanye. [9] Iburanisha ry’urubanza ryabaye mu ruhame ku wa 04/05/2021, ababuranyi bose bitabye, Sonarwa General Insurance Company Plc ihagarariwe na Me Munyentwali Charles afatanyije na Me Asiimwe Frank, Murorunkwere Suzanne ahagarariwe na Me Safari Gahizi afatanyije na Me Semadwinga Claude, isomwa ry’urubanza rishyirwa ku wa 04/06/2021, uwo munsi ntirwasomwa kubera ko iyandika ryarwo ritari ryarangira, isomwa ryimurirwa ku wa 11/06/2021, ari nawo munsi rusomeweho. II. IBIBAZO BIGIZE URU RUBANZA N’ISESENGURA RYABYO: Kumenya niba inkiko z’u Rwanda zari zifite ububasha bwo kuburanisha ikirego cy’indishyi zikomoka ku mpanuka y’imodoka RAB 477 J yakomerekeyemo MURORUNKWRE Suzanne mu gihugu cya Tanzania. [10] Me Munyentwali Charles na Me Asiimwe Frank baburanira Sonarwa General Insurance Company Plc bavuga ko Sonarwa General Insurance Company Plc idakwiye kuryozwa impanuka y’imodoka RAB 477 J yakomerekeyemo Murorunkwere Suzanne, kuko iyo mpanuka yabereye mu gihugu cya Tanzania kandi icyo gihugu kikaba gifite ibiro byo ku rwego rw’igihugu (Comesa National Bureau) ishinzwe gukemura ibibazo birebana n’impanuka z’ibinyabiziga byaturutse mu bindi bihugu binyamuryango bya Comesa nk’ukobiteganywa n’ingingo ya 3, igika cya 41, ya Comesa Protocal on Third Party Motor Vehicule Insurance. Bakomeza bavuga ko Urukiko Rwisumbuye rwa Nyarugenge ndetse n’Urukiko Rukuru zaciye urubanza zitabifitiye ububasha kubera ko Comesa Protocol Third Party Motor Vehicule Insurance ari itegeko ryihariye (loi speciale) mu gukemura ibibazo by’impanuka zakozwe n’ibinyabiziga byambukiranya imipaka. 1 Each National Bureau shall settle, on behalf of its member insurers, claims arising from accidents caused a broad by holders of the cards it has issued and shall also handle claims arising from accidents caused in its country by holders of cards issued by the National Bureau of other parties to this Protocol.

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[11] Mu myanzuro yabo yo kwiregura, Me Safari Gahizi na Me Semadwinga Claude bahagarariye Murorunkwere Suzanne bavuga ko ibiteganywa n’ingingo ya 3, igika cya 4, ya Comesa Protocol on Third Party Motor Vehicule Insurance babyemera, ko ibibazo birebana n’impanuka z’ibinyabiziga byambukiranya imipaka bikemurwa na National Bureau yo mu gihugu cyabereyemo impanuka, ariko kuba impanuka yarabereye mu gihugu cya Tanzania bitabuza Sonarwa General Insurance Company Plc kuryozwa ingaruka zose zirebana n'iyo mpanuka mu gihe ari yo yatanze Comesa yellow card. [12] Bakomeza bavuga ko Murorunkwere Suzanne yari afite uburenganzira bwo kugeza ikibazo cye imbere ya Comesa National Bureau, nk’Ikigo cy’ubwishingizi mu gihugu cya Tanzania nk’uko Comesa Protocol on Third Party Motor Vehicule Insurance ibiteganya, ariko kuba hari ibaruwa yo ku wa 23/03/2012, Sonarwa General Insurance Company Plc ubwayo yandikiye Murorunkwere Suzanne ibinyujije kuri Alliance Insurance Brokers, yemera ihame ryo gusubiza amafaranga yo kwivuza, aho yemeraga kwishyura uwakoze impanuka amafaranga atari munsi y’amadorali 150 ku wakomeretse, bisobanura ko yashoboraga kuyarenza igihe uwakoze impanuka azanye inyemezabwishyu iri hejuru yayo; bityo ko nta makosa yagereka kuri Murorunkwere Suzanne kuko SONARWA General Insurance Company Plc yashatse gushyira mu bikorwa inshingano zayo nk'uko amasezerano y’ubwishingizi yagiranye na Baruko Jean Pierre yabiteganyaga. [13] Basoza bavuga ko mu gihe ubwumvikane bwananiranye, inkiko zo mu Rwanda zari zifite ububasha bwo gukemura impaka kuko ikibazo cy’ububasha bw’inkiko kitareberwa muri Comesa Protocol on Third Party Motor Vehicule Insurance, kandi ko ikirego gishingiye ku masezerano y’ubwishingizi impande zombi zagiranye. UKO URUKIKO RUBIBONA [14] Ingingo ya 3, igika cya 4, ya Comesa Protocal on Third Party Motor Vehicule Insurance iteganya ko buri Biro ya Comesa ku rwego rw’Igihugu ikemura, mu izina ry’abishingizi b’abanyamuryango bayo, ibirego bituruka mu mpanuka zabereye mu mahanga zikozwe n’abafite amakarita yatanze, kandi ikanakemura ibibazo bituruka ku mpanuka zakorewe mu gihugu cyayo zikozwe n’abafite amakarita yatanzwe na Biro y’ikindi gihugu kinyamuryango cya Comesa. (Each National Bureau shall settle, on behalf of its member insurers, claims arising from accidents caused abroad by holders of the cards it has issued and shall also handle claims arising from accidents caused in its country by holders of cards issued by the National Bureau of the Member States). [15] Ingingo ya 13, agace ka 2, ya Comesa Protocol yavuzwe haruguru iteganya ko nk’Ikigo gitanga ikarita y’ubwishingizi ya Comesa, Biro yo ku rwego rw’Igihugu ikorana na buri Biro y’Igihugu kinyamuryango, mu kwakira inyandiko zirebana n’impanuka zakozwe n’abishingiwe ku butaka bw’ibindi bihugu binyamuryango, kugira ngo bakomeze iperereza ku mpanuka no kwishyura indishyi mu gihe bisabwe” (As an issuing agency, the National Bureau arrange with each of the National Bureau of the Member States for the receipt of statements and claims concerning accidents caused in the territory of another Member State by its policy holders, to proceed with the investigation of such accidents and to pay compensation on request, supported by the usual documents of proof”).

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[16] Dosiye y’urubanza igaragaramo Comesa yellow card Nº 07 – RWA 001635 nk’ikimenyetso cy’ikarita y’ubwishingizi cyatanzwe na Sonarwa S.A ku wa 10/05/2011, nk’umwishingizi (insurer) wa Baruko Jean Pierre, yishingira iby’abandi bizangizwa n’imodoka RAB 477 J; iyo modoka ikaba yarakoreye impanuka mu gihugu cya Tanzania ku wa 10/05/2011, igakomerekeramo Murorunkwere Suzanne nk’uko bigaragazwa n’inyandikomvugo y’impanuka yakozwe na Polisi ya Tanzania uwo munsi. [17] Dosiye y’urubanza igaragaza ko Sonarwa General Insurance Company Ltd yazanywe muri uru rubanza nk’umwishingizi w’imodoka RAB 477 J ya Baruko Jean Pierre, ikongera ikarugaragaramo nk’Ibiro bya Comesa byo ku rwego rw’Igihugu (National Bureau) kuko ari yo itanga Comesa yellow cards ku masosiyete y’ubwishingizi igihe cyose abakiriya bayo basanzwe bafitanye ubwishingizi bagiye mu bindi bihugu binyamuryango wa Comesa. [18] Hakurikijwe imiterere ya Comesa yellow card nk’ikimenyetso kigaragaza ko uwishingiwe azishyurirwa ibyo azangiza mu kindi gihugu, Sonarwa General Insurance Company Plc nk’Ibiro ya Comesa yo ku rwego rw’Igihugu ifite inshingano yo gukemura mu izina ry’abanyamuryango bayo yahaye Comesa yellow card ngo bazitange ku bakiriya babo, ibibazo byose bijyanye n’impanuka zabereye mu mahanga, ndetse nk’Ikigo gitanga ikarita y’ubwishingizi ya Comesa, Sonarwa General Insurance Company Plc ikorana na Biro ya buri gihugu kinyamuryango cya Comesa mu bijyanye no gukora iperereza ku mpanuka zabereye hanze y’Igihugu no kwishyura indishyi mu gihe ibisabwe nk’uko bishimangirwa n’ingingo ya 3 igika cya 4 n’iya 13 agace ka 2 za Comesa Protocol on Third Party Motor Vehicule Insurance zavuzwe haruguru. [19] Urukiko rurasanga nta cyabuza Murorunkwere Suzanne gukurikirana mu nkiko z’u Rwanda Sonarwa General Insurance Company Plc indishyi ziyikomokaho, kuko ari ho ifite icyicaro gikuru, ikaba ihagarariye Comesa mu Rwanda nka Biro yo ku rwego rw’Igihugu ndetse akaba ari nayo yatanze Comesa yellow card nka sosiyete y’ubwishingizi. [20] Ku bijyanye n’ibivugwa na Me Munyentwali Charles na Me Asiimwe Frank, baburanira Sonarwa General Insurance Company Plc, ko ikibazo cyagombaga gukemurwa na Biro ya Comesa muri Tanzania, Urukiko rurasanga batagaragaza ingingo ibuza Murorunkwere Suzanne kuba yakurikirana Sonarwa General Insurance Company Plc cyane ko ingingo ya 3 igika cya 4 ya Comesa Protocal on third party motor vehicule insurance bashingiraho atari ko ibiteganya. Kumenya niba MURORUNKWERE Suzanne wakomerekeye mu modoka RAB 477 J ya BARUKO Jean Pierre yari yishingiwe. [21] Mu myanzuro yabo yo gutanga ikirego, Me Munyentwali Charles na Me Asiimwe Frank baburanira Sonarwa Insurance Company Plc bavuga ko imodoka RAB 477 J yari isanzwe ifite ubwishingizi bw’iby’abandi yakwangiza (RC), ubwishingizi bw’umuryango n’umushoferi (RC+) ndetse na occupants. Bakomeza bavuga ko mu gihe Baruko Jean Pierre yifuzaga kujyana n’umuryango we mu gihugu cya Tanzania, yakoze extension imwe gusa ku bwishingizi yari afite, irebana n’ubwishingizi bw’iby’abandi yakwangiza (RC), nk’uko bigaragazwa na Comesa yellow card yahawe na Sonarwa S.A; ko nta yandi masezerano yihariye (condition particulière) yigeze akora ku birebana n’ubundi bwoko bwa extension ku buryo Murorunkwere Suzanne yari kuregera

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indishyi nk’uwishingiwe, kuko atigeze asaba extension y’ubwishingizi burebana n’umuryango we (RC+) cyangwa ubwishingizi bwa occupants. [22] Me Safari Gahizi na Me Semadwinga Claude, baburanira Murorunkwere Suzanne, bavuga ko amasezerano y’ubwishingizi yo ku wa 04/03/2011 agaragaza ko imodoka RAB 477 J yari isanzwe ifite ubwishingizi RC na RC+, ko ayo masezerano ari nayo yakorewe extension territoriale, imodoka ihabwa Comesa yellow card ishobora gutuma yambuka umupaka ikagenda ku butaka bw’ibindi bihugu binyamuryango bya Comesa. Bakomeza bavuga ko Sonarwa General Insurance Company Plc yemeraga ko Murorunkwere Suzanne yakomerekeye mu modoka ifite ubwishingizi kuko mu biganiro bagiranye yemeraga gutanga amadorali 150 yo kwivuza nk’uko bigaragazwa n’ibaruwa yo ku wa 23/03/2012, Sonarwa General Insurance Company Plc yandikiye Alliance Insurance Brokers. UKO URUKIKO RUBIBONA [23] Ingingo ya 4 y’Itegeko Nº 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ibikurikira: “Urukiko ruca urubanza rwaregewe hakurikijwe ibimenyetso bihuje na kamere y’ikiburanwa”. [24] Ingingo ya 12 y’Itegeko Nº 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ibikurikira: “Urega agomba kugaragaza ibimenyetso by’ibyo aregera. Iyo abibuze, uwarezwe aratsinda”. [25] Ingingo ya 1 y’Itegeko-Teka Nº 32/75 ryo ku wa 7 Kanama 1975 ryerekeye ubwishingire butegetswe ku buryozwe butewe n’ibigenzwa ku butaka bifite moteri iteganya ko buri kinyabiziga gitegetswe kugira ubwishingizi bw’iby’abandi cyakwangiza; naho Ishyirahamwe ry’Ibigo by’ubwishingizi mu Rwanda (ASSAR) ryashyizeho ibiciro by’ubwishingizi (motor insurance minimum premium tariff), aho ryasobanuye ibijyanye na extended third party or third party plus mu ngingo ya 17 iteganya ko ubwishingizi bw’umuryango ari amasezerano y’inyongera ku masezerano asanzwe ategetswe y’ubwishingizi bw’iby’abandi byakwangizwa n’ikinyabiziga. Extended third party or third party plus yishingira kwishyura ibikomere by’umubiri ku mpanuka yabaye k’uwishingiwe, abo mu muryango we harimo uwo bashakanye, abana n’ababyeyi kandi bafitanye isano itaziguye cyangwa mu buryo bwo gushyingirwa n’abandi bantu uwishingiye afite mu nshingano, uvanyemo umushoferi wakoze amakosa (“Family cover is an additional guarantee to the Mandatory Motor Third Party Liability. It covers bodily injuries caused to the Insured, his family members meaning, his spouse, children and parents and related directly or by way marriage and other persons in the Insured domicile depending on him for their living, excluding however the faulty driver”). [26] Dosiye y’urubanza igaragaramo amasezerano y’ubwishingizi Nº 0293956 bw’imodoka RAB 477 J ku gihe cy’iminsi 92 ibazwe uhereye ku wa 04/03/2011 kugeza ku wa 03/06/2011, ikaba yari yishingiwe na Sonarwa S.A ku by’abandi yakwangiza (RC), abagize umuryango (RC+) na occupants, mu Rwanda.

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[27] Dosiye y’urubanza igaragaramo Comesa yellow card ifite Serial Nº 07 – RWA 001635 na gitansi yishyuriweho 6.844Frw ifite Nº 6935, Sonarwa S.A yahaye Baruko Jean Pierre nk’ikimenyetso kigaragaza ko imodoka RAB 477 J yishyuriwe ubwishingizi ku butaka bw’ibihugu binyamuryango bya Comesa kuva ku itariki 10/05/2011 kugeza ku itariki 17/05/2011, iyo yellow card na kitansi bikaba bigaragaza ko byakozwe hashingiwe ku masezerano y’ubwishingizi Nº 0293956. [28] Kuba amasezerano y’ubwishingizi Nº 0293956 agaragaza ko imodoka yari ifite ubwishingizi bw’iby’abandi yakwangiza n’ubw’umuryango mu Rwanda, kandi mu gihe cy’itangwa rya Comesa yellow card impande zombi zikaba nta yandi masezerano zagiranye ahubwo zikaba zarakomeje gushingira kuri ayo masezerano ya mbere ndetse na Sonarwa General Insurance Company Plc ikaba yemera ko Murorunkwere Suzanne yari yishingiwe mu Rwanda hashingiwe ku masezerano y’ubwishingizi Nº 0293956; kuba kandi hari note of payment Nº 0238/2016 yakozwe na Sonarwa General Insurance Company Plc ku wa 19/02/2016, Sonarwa General Insurance Company Plc igaragaza ko uwitwa Karemera Frank mu izina rya Murorunkwere Suzanne yishyuwe 100.000 Frw akomoka ku mpanuka, hagasigara 111.295.658 Frw; iyi note ikaba igaragaza ko ikishingiwe ari RC na RC+ hashingiwe ku masezerano y’ubwishingizi Nº 0293956; Urukiko rushingiye kuri ibyo bimenyetso rurasanga Murorunkwere Suzanne nk’umugore wa Baruko Jean Pierre yari yishingiwe. [29] Ku bijyanye rero n’ibivugwa na Me Munyentwali Charles na Me Asiimwe Frank, baburanira Sonarwa General Insurance Company Plc, ko Murorunkwere Suzanne atari yishingiwe ku buryo yakwishyurwa indishyi zikomoka ku mpanuka yakomerekeyemo mu gihugu cya Tanzania, Urukiko rurasanga nta kuri kurimo mu gihe batagaragaza ko hari andi masezerano yihariye yakozwe atandukanye n’ayari asanzweho afite Nº 0293956 kandi akomeza kugaruka ku nyandiko za Comesa yellow card na gitansi yishyuriweho ubwishingizi ndengamipaka mbere y’uko imodoka yishingiwe yinjira ku butaka bwa Tanzania. Kumenya niba MURORUNKWERE Suzanne atategekwa gusubiza amafaranga yishyuwe yose hiyongereyeho inyungu zayo mu gihe yatsindwa n’uru rubanza. [30] Me Munyantwali Charles na Me Asiimwe Frank, baburanira Sonarwa General Insurance Company Plc, bashingiye ku ngingo ya 144 y’Itegeko n°45/2011 ryo ku wa 25/11/2011 rigenga amasezerano2 basaba Urukiko rw’Ubujurire gutegeka Murorunkwere Suzanne gusubiza Sonarwa General Insurance Company Plc amafaranga yose yishyuwe, hiyongereyeho inyungu zayo zingana na 18%, mu gihe ikirego cyayo gisaba gusubirishamo urubanza ku mpamvu z’akarengane cyahabwa ishingiro, kuko Sonarwa General Insurance Company Plc ari Ikigo cy’ubucuruzi, ikaba yari kuba yarayabyaje umusaruro mu gihe cyose gishize itayafite. [31] Me Safari Gahizi na Me Semadwinga Claude bahagarariye Murorunkwere Suzanne bavuga ko imanza zaciwe zose mu buryo bukurikije amategeko, ko Sonarwa General Insurance Company Plc itaregera izindi nkiko ivuga ko yarenganye. Ko kandi ari yo yazihaye ububasha igihe yemera 2 Iyo kwica amasezerano birebana no kutishyura amafaranga cyangwa kudakora igisabwa gishobora kubarwa mu mafaranga azwi cyangwa ashobora kumenyekana, inyungu zibarwa uhereye igihe igisabwa cyagombaga gukorwa hakuwemo ibyo uruhande rwishe amasezerano rufiteho uburenganzira.

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kwikemurira ikibazo cy'impanuka imodoka ya Baruko Jean Pierre yagiriye mu gihugu cya Tanzania, kandi yaragombaga kureka National Bureau yo muri icyo gihugu ikagikemura, nk'uko biteganyijwe n'amategeko agenga Comesa Protocol on third party motor vehicule insurance. UKO URUKIKO RUBIBONA [32] Ingingo ya 4 y’Itegeko Nº 15/2004 ryo ku wa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ibikurikira: “Urukiko ruca urubanza rwaregewe hakurikijwe ibimenyetso bihuje na kamere y’ikiburanwa”. [33] Dosiye y’urubanza igaragaza note of payment Nº 0238/2016 yakozwe na Sonarwa General Insurance Company Plc ku wa 19/02/2016, igaragaza ko uwitwa Karemera Frank mu izina rya Murorunkwere Suzanne yishyuwe 100.000Frw akomoka ku mpanuka, hagasigara 111.295.658Frw. [34] Urukiko rurasanga Sonarwa General Insurance Company Plc itagaragaza aho yishyuriye Murorunkwere Suzanne mu rwego rwo gushyira mu bikorwa urubanza rusubirishwamo ndetse n’ingano y’amafaranga isaba gusubizwa. Ruraasanga ariko na none n’iyo Sonarwa General Insurance Company Plc yaba yarabikoze, ayo mafaranga itagomba kuyasubizwa kuko yaba yarabikoze ishyira mu bikorwa ibyategetswe n’urubanza, uru Rukiko rutabonyemo akarengane kuko ikirego cyayo cyo gusubirishamo urubanza ku mpamvu z’akarengane kitahawe ishingiro nk’uko byasobanuwe haruguru. Ikibazo cy’indishyi n’amafaranga asabwa n’ababuranyi kubera ibyagenze ku rubanza [35] Me Munyantwali Charles na Me Asiimwe Frank baburanira Sonarwa General Insurance Company Plc basaba basaba ko Murorunkwere Suzanne ategekwa kwishyura 500.000Frw y'ikurikiranarubanza na 1.000.000Frw y'igihembo cya Avoka. [36] Me Safari Gahizi na Me Semadwinga Claude, baburanira Murorunkwere Suzanne, bavuga ko kuba Sonarwa General Insurance Company Plc yarirengagije amategeko igasubirishamo urubanza ku mpamvu z'akarengane kandi izi neza ko yishyuye Murorunkwere Suzanne, ari igikorwa kigamije kubabaza Murorunkwere Suzanne, ikaba imurega ku maherere, bityo basaba ko Urukiko ruyitegeka kumwishyura indishyi z'akababaro zingana na 5.000.000Frw, 6.000.000Frw y’igihembo cy’Abavoka babiri bamuburaniye na 150.000Frw y’ikurikiranarubanza. UKO URUKIKO RUBIBONA [37] Ku byerekeranye n’amafaranga y’ibyagiye ku rubanza, ingingo ya 111 y’Itegeko Nº 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganya ibikurikira: “Ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe“.

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[38] Urukiko rurasanga amafaranga y’ikurikiranarubanza n’igihembo cya Avoka asabwa na SONARWA General Insurance Company Plc nta shingiro afite kuko itsindwa n’urubanza. [39] Urukiko rurasanga amafaranga y‘ikurikiranarubanza n’igihembo cya Avoka asabwa na Me SAFARI GAHIZI na Me SEMADWINGA Claude, bahagarariye MURORUNKWERE Suzanne, afite ishingiro ariko akaba agomba kugenwa mu bushishozi bw’Urukiko kuko ayo basaba ari menshi mu buryo batagaragaza ibimenyetso byihariye by’impamvu y’ingano y’ayo basaba; bityo Urukiko rukaba rumugeneye 1.000.000 y’igihembo cya Avoka na 150.000 Frw y’ikurikiranarubanza. [40] Ku byerekeranye n‘amafaranga y’indishyi z’akababaro asabwa na MURORUNKWERE Suzanne kubera ko yarezwe na SONARWA General Insurance Company Plc mu buryo bwo gusubirishamo ku mpamvu z’akarengane urubanza rwari rwararangiye, Urukiko rurasanga nta shingiro afite, kuko uwakoresheje iyi nzira abyemerewe n’amategeko, gukoresha iyi nzira ubwabyo. akaba atagomba kubihanirwa. III.ICYEMEZO CY’URUKIKO [41] Rwemeje ko ikirego cya SONARWA General Insurance Company Plc cyo gusubirishamo ku mpamvu z’akarengane urubanza Nº RCA 0304/15/HC/KIG rwaciwe n’Urukiko Rukuru ku wa 21/06/2016 nta shingiro gifite; [42] Rwemeje ko urubanza Nº RCA 0304/15/HC/KIG rwaciwe n’Urukiko Rukuru ku wa 21/06/2016 rugumaho mu ngingo zarwo zose; [43] Rutegetse SONARWA General Insurance Company Plc guha MURORUNKWERE Suzanne 1.000.000 Frw y’igihembo cya Avoka na 150.000 Frw y’ikurikiranarubanza kuri uru rwego; [44] Rutegetse ko amagarama y’urubanza kuri uru rwego aherera ku Isanduku ya Leta.