NGIRABAKUNZI NABANDI v SONARWA

NGIRABAKUNZI NABANDI v SONARWA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-12-01 - Case/document no.: RCA 00304/2021/HC/KIG - Collection: High Court

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NGIRABAKUNZI N’ABANDI v SONARWA GENERAL

INSURANCE COMPANY [Rwanda URUKIKO RUKURU - RCA 00304/2021/HC/KIG (Gatete, P.J.) 25 Kanama 2023] Amategeko agenga imanza z’imbonezamubano - Imanza zikomoka ku bwishingizi bw’impanuka - Impanuka zo mu muhanda - Ibisabwa ngo hatangwe indishyi zikomoka ku mpanuka yateye ibyago abikorera - Abikorera bagomba kwerekana ibikorwa bigaragara byerekana inyungu zabo ziciriritse z’amezi 12 abanziriza impanuka kugira ngo bagenerwe indishyi zitabariwe kuri SMIG ya 3,000 Frw. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yabaye ubwo imodoka yari itwawe na Rukundo hanyuma iza kugonga moto yari itwawe na Twagirayezu we n’umugenzi yari atwaye bahita bapfa. Abaregera indishyi begereye umwishingizi basaba ko bahabwa indishyi ariko ntibumvikana bituma batanga ikirego mu Rukiko Rwisumbuye rwa Nyarugenge. Urukiko rwemeje ko indishyi bazihabwa ariko zikabarirwa kuri SMIG ya 3,000 Frw kuko batagaragaje umusaruro nyakwigendera yakuraga mu gukora akazi k’ubumotari. Abarega ntabwo bishimiye icyo cyemezo bakijurira mu Rukiko Rukuru bavuga ko nyakwigendera yari umumotari bityo ko bakwiye guhabwa indishyi zitabariwe kuri SMIG yifashishijwe. Urukiko Rukuru rwakiriye urwo rubanza maze rusuzuma ikibazo cyo kumenya niba SMIG yakoreshejwe habarwa indishyi mbangamirabukungu ariyo ikwiye. Abarega bavuga ko Urukiko Rwisumbuye rwabaze indishyi mbangamirabukungu rushingiye kuri SMIG ya 3,000 Frw, rwirengagije ko

nyakwigendera moto yari iye yarayipatanye ndetse agiye kurangiza no kwishyura bivuze ko yikoreraga, ndetse ngo nubwo yaba itari iye ntabwo umuntu ukora umwuga uzwi yabarirwa nk'ukora umwuga utazwi ko ahubwo yagombaga kubarirwa kuri SMIG ya 6,444Frw yemejwe n’Urukiko rw’Ikirenga. SONARWA General Insurance Company ntiyigeze igaragara muri uru rubanza haba mu nama ntegurarubanza ndetse no mu iburanisha. Incamake y’icyemezo: Abikorera bagomba kwerekana ibikorwa bigaragara byerekana inyungu zabo ziciriritse z’amezi 12 abanziriza impanuka kugira ngo bagenerwe indishyi zitabariwe kuri SMIG ya FRW 3,000 bityo ibisabwa n’abarega ko bahabwa indishyi zibariwe ku 6,444 Frw ntabwo bifite ishingiro kuko nta bimenyetso bidashidikanywaho berekanye byagaragaza ko nyakwigendera yakoraga akazi k’ubumotari kandi ko yinjizaga 10,000 Frw ku munsi ndetse ko ntaho agaragaza ko yatangaga umusoro ku buryo byaba ikimenyetso ko yinjizaga ayo mafaranga, bakaba bakwiye kubarirwa SMIG kuri 3,000 Frw. Ubujurire bwatanzwe nta shingiro bufite. Amategeko yashingiweho: Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, n’iz’ubutegetsi, ingingo ya 111. Imanza zifashishijwe:

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RS/INJUST/RC 00014/2022/SC, Kwizera Eric na Radiant Insurance Company Ltd, rwaciwe n’Urukiko rw’Ikirenga ku wa 18/05/2023. Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 29/07/2020 sa 15h00 mu karere ka Kicukiro, Umurenge wa Nyaruguru, Akagali ka Kamashashi, mu mudugudu w’Umucyo, habereye impanuka yatewe n’imodoka jeep Toyota land Cruiser RAE 371 B, yari itwawe na Rukundo Darius wavaga Remera yerekeza i Kanombe ku Bitaro bya Gisirikare, ageze ahavuzwe haruguru, atangira kunyura ku igare ryari imbere ye ava mu gisate cy’umuhanda yagenderagamo yinjira mu gisate cy’ibinyabiziga babisikanaga, agonga moto TVS RD 829Y babisikanaga iva Kanombe yerekeza Remera itwawe na Twagirayezu Providence ayisanze mu mukono wayo, Twagirayezu Providence n’umugenzi yari atwaye kuri iyo moto witwa Niyibigira Patrick bombi bahita bapfa. Abaregera indishyi batanze ikirego mu Rukiko Rwisumbuye rwa Nyarugenge, basaba ko SONARWA General Insurance Company yabishyura indishyi kubwumvikane ariko ntibyashoboka, maze baregera Urukiko Rwisumbuye rwa Nyarugenge basaba indishyi zikomoka ku mpanuka yahitanye Twagirayezu Providence zirimo indishyi mbangamirabukungu, indishyi z’akababaro, amafaranga yakoreshejwe kubera urupfu rwa nyakwigendera, amafaranga y’igihembo cy’avoka n’ikurikiranarubanza. [2] Abaregera indishyi bahagarariwe na Me Sebibanza Elie bavuga ko iyo mpanuka yabaye maze ibinyabiziga byombi nabyo

birangirika, Twagirayezu Providence n’umugenzi yari atwaye kuri iyo moto witwa Niyibigira Patrick bombi bahita bapfa; ngo akaba iyo mpanuka yaratewe na Rukundo Darius wari utwaye Jeep Toyota land Cruiser RAE 317 B wakoze inyuranaho atabanje kwiringira ko igisate cy’umuhanda agiye kunyuramo kitarimo inkomyi, bityo akaba atarubahirije amategeko y’umuhanda, ko bagerageje gusaba indishyi binyuze mu bwumvikane ariko SONARWA ikomeza kubarerega birangira ubwumvikane budakunze; baje barega basaba indishyi zitandukanye. [3] SONARWA General Insurance Company yiregura yavuze ko isaba Urukiko kutakira ikirego cyatanzwe na Ngirabakunzi Pierre na bagenzi be kuko cyatanzwe mu buryo bunyuranijwe n’ibiteganywa n’ingingo ya 3 y’iteka rya Perezida No 31/01 ryo kuwa 25/08/2003 rigena uburyo indishyi zitangwa zitewe n’impanuka z’ibinyabiziga bigendesha moteri, kuko hatabanje kubaho ubwumvikane kubera ko Ngirabakunzi Pierre na bagenzi be bayandikiye basaba indishyi mu bwumvikane tariki ya 04/09/2020, imaze kwakira iyo baruwa irikumwe na dosiye ihita yandika email tariki 01 /10/2020 isaba ko Ngirabakunzi Pierre na bagenzi be baza hagakorwa ubwumvikane, kuri iyi tariki email yoherejwe bahise basubiza SONARWA bayimenyesha ko bazaza mu bwumvikane umunsi ukurikiyeho saa munani (14hoo’), irabategereza ntibaza, ko hashize iminsi SONARWA yongeye kubandikira indi email ibibutsa kuza mubwivikane, yoherejwe tariki ya 07/01/2021 ntibigera bayisubiza. [4] Ku wa 22/10/2021, Urukiko Rwisumbuye rwafashe icyemezo kubyo SONARWA General Insurance Company ivuga ko ikirego cy’abaregera indishyi kitakwakirwa ishingiye ku ngingo ya 3 y’iteka rya Perezida Nº31/01 ivuga ko abarega batabanje kwitabira ubwumvikane

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bari basabye, bihutira kuregera Urukiko , akaba Urukiko rwarasanze nta shingiro bifite hakurikijwe ibikubiye mu ibaruwa yo kuwa 08/10/2020 babandikiye bababwira ko bagiye kuregera Urukiko bayigaragariza ko bagiyeyo kabiri kuwa 02/10/2020 no kuwa 08/10/2020, ubwumvikane butaba, nabwo ntibagira icyo bakora, kandi ikirego kikaba cyaratanzwe kuwa 24/10/2020; Urukiko rwategetse kandi SONARWA General Insurance Company guha abarega: Indishyi z’akababaro ku babyeyi ba nyakwigendera : Ngirabakunzi Pierre na Uwizeyemariya Antoinette zingana na 1.620.000frw n’aho ku bavandimwe ba nyakwigendera: Musabyemariya Joselyne, Ngabonziza Valens, Byusa Regis, Umugwaneza Aline, Uwamahoro Yvette na Ishimwe Fabrice zingana na 3.240.000frw; Indishyi mbangamirabukungu ku babyeyi ba nyakwigendera : Ngirabakunzi Pierre na Uwizeyemariya Antoinette zingana na 6.589.120 frw; Amafaranga yakoreshejwe kubera urupfu rwa nyakwigendera angana na 935.200 frw; Amafaranga y’igihembo cy’avoka n’ikurikiranarubanza angana na 1.000.000frw, no gusubiza abarega amagarama yatanzwe angana na 20.000 Frw. [5] Ngirabakunzi Pierre na bagenzi be bahagarariwe na Me Sebibanza Elie ntibishimiye imikirize y’urubanza maze barajurira basobanura mu myanzuro n’imiburanire yabo ko Urukiko Rwisumbuye rwabaze indishyi mbangamirabukungu rushingiye kuri SMIG ya 3,000 frw, rwirengagije ko moto nyakwigendera yatwaraga yari iye kuko yari

yarayipatanye agiye kurangiza kwishyura, bivuze ko yikoreraga ntawe ya verisaga ndetse ngo n’ubwo moto yaba itari iye ntabwo umuntu ukora umwuga uzwi yabarirwa nk'ukora umwuga utazwi. Basaba kandi ko bahabwa indishyi z'ikurikiranarubanza zingana 400,000Frw ndetse n'igihembo cy'avoka kingana 600,000frw ku rwego rw'ubujurire. Iburanisha risojwe, Urukiko ruvuga ko urubanza ruzasomwa ku wa 27/07/2023 ariko uwo munsi ntirwasomwa kuko Umucamanza yari mu masomo I Nyanza, isomwa ryimurirwa kuwa 25/08/2023. [6] Muri uru rubanza, ibibazo bigomba gusuzumwa n’ibi bikurikira:  Kumenya niba SMIG yakoreshejwe habarwa indishyi mbangamirabukungu ariyo ikwiye;  Kumenya niba hari indishyi z’ikurikiranarubanza n’igihembo cy’Avoka zatangwa mu bujurire. II. IKIBAZO KIRI MU RUBANZA N’ISESENGURWA

RYACYO Kumenya niba SMIG yakoreshejwe habarwa indishyi mbangamirabukungu ariyo ikwiye. [7] Ngirabakunzi Pierre na bagenzi be bahagarariwe na Me Sebibanza Elie barajurira bavuga ko Urukiko Rwisumbuye rwabaze indishyi mbangamirabukungu rushingiye kuri SMIG ya 3,000Frw, rwirengagije ko nyakwigendera moto yari iye yarayipatanye ndetse agiye kurangiza no kwishyura bivuze ko yikoreraga ntawe ya versaga ndetse ngo nubwo yaba itari iye ntago umuntu ukora umwuga uzwi yabarirwa nk'ukora umwuga utazwi; ko bari basabye ko yabarirwa kuri SIMG ya 10.000Frw muburyo bukurikira (10.000frwx30x12x39x2/3):(1+ (6%x39)) = 28.023.952frw ariko ngo yabarirwa kuri SIMG ya 6.444Frw yemejwe mu rubanza rw’Urukiko rw’Ikirenga RS/INJUST/RC 00014/2022/SC haburana Kwizera Eric na Radiant Insurance Company Ltd.

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[8] SONARWA General Insurance Company ntabwo yitabye Urukiko mu nama ntegurarubanza ndetse no mu iburanisha; akaba SONARWA yarahamagajwe muburyo bukurikije amategeko ntiyitaba kandi nta mpamvu igaragarije Urukiko bityo ikaba yaraburanishijwe idahari nk’uko biteganywa n’ingingo ya 56 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:” Iyo mu iburanisha uregwa atitabye nta mpamvu, urega ashobora gusaba ko urubanza rwimurirwa ku yindi tariki cyangwa gusaba ko ruburanishwa uregwa adahari, hasuzumwa imyanzuro yatanze”. Uko Urukiko rubibona; [9] Urubanza N° RS/INJUST/RC 00014/2022/SC haburana Kwizera Eric na Radiant Insurance Company Ltd, rwaciwe kuwa 18/05/2023, mugika cya 20 na 211, rwaratanze umurongo ugaragaza ko abikorera bagomba kwerekana ibikorwa bigaragara byerekana inyungu zabo ziciriritse z’amezi 12 abanziriza impanuka. [10] Urukiko Rwisumbuye rwasobanuye mu rubanza rujuririrwa mu gika cya 8 n’icya 9 rwasobanuye ko nta bimenyetso bidashidikanywaho Ngirabakunzi Pierre na bagenzi be berekanye byagaragaza ko nyakwigendera yakoraga akazi k’ubumotari kandi ko yinjizaga 10.000Frw ku munsi ndetse ko ntaho agaragaza ko yatangaga umusoro ku buryo byaba ikimenyetso ko yinjizaga ayo mafaranga, ko rero bakwiye kubarirwa SMIG kuri 3,000Frw. [11] Uru Rukiko rusanga abaregera indishyi

bagaragaza ko yatwaraga moto afite uruhushya rwo gutwara ibinyabiziga, hari icyemezo ko yari muri koperative y’abamotari, ndetse hari n’amasezerano ko yari yarapatanye iyo moto yatwaraga; ariko ntabwo ari ibimenyetso zimusiga ko yakoraga akazi k’ubumotari kuko ntaho agaragaza ko yinjizaga umusaruro ukomoka kuri ako kazi bityo akaba nta cyakwemeza ko ariko kazi yakoraga k’ubumotari cyane ko nta kintu kimuranga nka motari harimo ikarita y’akazi nk’uko abandi baba bazifite ndetse icyemezo ko Twagirayezu Providence yari muri koperative cyanditswe amaze kwitaba imana kuko yapfuye ku wa 29/07/2020 maze icyo cyemezo cyandikwa kuwa 05/08/2020, akaba ibi byatera gushidikanya ko yari umumotari bityo umwuga akora ukaba utazwi neza; nk’uko byemejwe mu rubanza rujuririrwa mu gace ka 8 n’aka 92, aho rwasobanuye ko usaba indishyi agomba 120. Urukiko rurasanga nk’uko byasobanuwe mu ngingo ya 18 y’Iteka rya Perezida No 31/01 ryibukijwe haruguru, uwakomeretse wagize ubumuga buhorahoburengeje 30%, akaba afite umurimo ahemberwa, ahabwa amafaranga abarwa hakurikijwe igihembo atahana, urwego rw'ubumuga n'imyaka ye. Ni mu gihe uwakomeretse akora umurimo adahemberwa, cyangwa se iyo abamufiteho uburenganzira badashobora kwerekana umusaruro we nyakuri ukomoka ku murimo, ahabwa indishyi zibarwa bahereye ku ifatizo ry'inshuro imwe y'umushahara w'umwaka muto ntarengwa wemewe n'amategeko (SMIG) ingana na 3.000 Frw ku munsi.

21. Urukikorurasanga ariko mu bahohotewe bavugwa mu ngingo ya 18 yavuzwe haruguru, hatagaragaramoabantu bakora umwuga bigengaho nk’abamotari, akaba ariyo mpamvu mu kugena umusaruro fatizo waherwaho mu kubabarira indishyi z’ibangamirabukungu, hakwifashishwa ingingo ya 14, igika cya 3, y’Iteka rya Perezida N° 31/01 ryo ku wa 25/08/2003 ryavuzwe haruguru iteganya ko abafite umwuga wigenga cyangwa abantu bakora umwuga bigengaho bagomba kwerekana ibikorwa bigaragara byerekana inyungu zabo ziciriritse z’amezi 12 abanziriza impanuka. Ingingo ya 4, igika cya 5, y’Itegeko No 41/2001 ryo ku wa 19/09/2001 yongeraho ko inyandiko mpamo zitabonetse, umwuga uwangirijwe akora ukaba uzwi neza, indishyi zigenwa hakoreshejwe kugereranya n’umushahara uvanze (brut) w’umuntuukora umwuga bimeze kimwe cyangwa ujya kumera kimwe n’uwo akora. 2[8] Urukiko rusanga abarega basaba indishyi mbangamirabukungu, bakazibarira ku mushahara wa 10.000frw ku munsi basobanura ko nyakwigendera Twagirayezu Providence yinjizaga ayo mafaranga kuko yatwaraga moto bakagaragaza icyemezo ko yari umunyamuryango wa cooperative y’abamotari ya TERIMBERE MOTAR

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kugaragaza aho yaba yarasoreraga umusoro ku musaruro yakuraga kuri moto wakwemeza ko yinjizaga ayo mafaranga, akerekana inyandiko mpamo zerekana inyungu yakuye ku mwuga wabo mu gihe cy’amezi 12 yabanjirije impanuka. Mu gihe umuntu agize iyo mpanuka ataramara amezi 12 akora, inyungu ibarwa hakurikijwe iyo yari kuzabona nyuma y’ayo mezi; akaba rero iki kimenyetso kitagaragara bityo akaba nta buryo habarwa indishyi nk’aho uwakoze impanuka yakoraga akazi k’ubumotari, ariyo mpamvu Urukiko Rwisumbuye rwamubariye indishyi mbangamirabukungu kuri SMIG ya 3.000Frw ndetse n’uru Rukiko rukaba rwemeranya nabyo ariyo mpamvu rutamubarira izo ndishyi kuri 6.444Frw akoreshwa kuri motari ugaragaza ko yujuje ibisabwa byose nk’uko byemejwe murubanza RS/INJUST/RC 00014/2022/SC rwavuzwe hejuru; akaba rero ubujurire bw’abaregera indishyi nta shingiro bufite hakaba hagumyeho ibyemejwe mu rubanza rujuririrwa. Kumenya niba hari indishyi z’ikurikiranarubanza n’igihembo cya Avoka zatangwa mu bujurire. [12] Ngirabakunzi Pierre na bagenzi be bahagarariwe na Me Sebibanza Elie bavuga ko bakwiye guhabwa indishyi z’ikurikiranarubanza n’igihembo cya Avoka bakoresheje mu bujurire. Uko Urukiko rubibona; [13] Ingingo ya 111 y’Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, n’iz’ubutegetsi ivuga 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”. cyatanzwe kuwa 05/08/2020, kandi bagaragaza ko moto yatwaraga yari iye kubera ko yari yarayipatanye mu gihe cy’imyaka ibiri bagaragaza inyandiko yari yarakoranye na nyirayo kuwa 22/09/2017 nta shingiro byahabwa kubera ko batagaragaza ko iyo moto yari yarabaye iye, ngo banagaragaze ko yaba yarasoreraga umusaruro wayo, bakaba bagaragaza ibimenyetso simusiga by’uko yarinjizaga nta gushidikanya 10.000 frw ku munsi nkokuba bagaragaza aho yaba yarasoreraga umusoro ku musaruro yakuraga kuri moto wakwemeza ko yinjizaga ayo mafaranga hashingiwe ku ngingo ya 4 al 4 y’itegeko Nº 41/2001 ryavuzwe haruguru iteganya ko: “abakora imirimo bagomba kwerekana inyandiko mpamo zereka inyungu bakuye ku mwuga wabo mu gihe cy’amezi 12 ya banjirije impanuka. Mu gihe umuntu agize iyo mpanuka ataramara amezi 12 akora, inyungu ibarwa hakurikijwe iyo yari kuzabona nyuma y’ayo mezi”, bityo izo ndishyi mbangamirabukungu zisabwa n’abarega zirabarirwa ku mushahara muto ntarengwa wa3000 frw ku munsi hashingiwe ku rubanza RCAA 0049/14/CS rwaciwe kuwa 25/11/2016 rwagennye ko umushahara muto ntaregwa ari 3.000 frw n’aho iminsi y’akazi mu kwezi ikaba 30. [9] Urukiko

rusanga hashingiwe ku ngingo ya 22 iteka rya Perezida Nº31/01 ryavuzwe haruguru iteganya ko: “Ibangamirabukungu rikorewe abafite uburenganzira bitewe n’urupfu rw'umuntu ritangirwa indishyi hakurikijwe umusaruro uva ku murimo umuntu atahana nk’uko ugenwa n’ingingo ya 4 y’Itegeko N°41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry’indishyi ku bahohotewe biturutse ku mpanuka zo ku mubiri zitewe n’ibinyabiziga. Abafite uburenganzira ku buryo byumvikana ko bari batunzwe n'uwahohotewe ni bo bonyine bashobora guhabwa indishyi. Iyo uwahohotewe yakoraga umwuga wigenga, igenwa ry’umusaruro rikorwa hakurikijwe ingingo ya 4 y’Itegeko No 41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry’indishyi ku bahohotewe biturutse ku mpanuka zo ku mubiri zitewe n'ibinyabiziga. Indishyi izatangwa nk’uko bikorwa mu gutanga amafaranga (capital) hakurikijwe uburyo bukurikira : Umusaruro w’umwaka umuntu atahana w’uwahohotewe X umubare w’imyaka ashigaje kubaho akora X 2/3 /1 + (igipimo cy'ibitsa X umubare w’imyaka yo kwibeshaho).”, no ku rubanza rubanza RCAA 0049/14/CS rwaciwe kuwa 25/11/2016 rwagennye umushahara muto ntarengwa mu mwaka, rukanagena ko igipimo cy’ibitsa ko ari ikigaragara ku rubuga rwa Banki Nkuru y’igihugu ku munsi w’icca ry’urubanza, indishyi mbangamirabukungu zirahabwa abarega ari (3.000 frw x 30 x 12 x 39 x2/3) : (1+ (8,363% x 39 )) = 6.589.120 frw kuko mu gihe urubanza ruri kwandikwa kuwa 14/10/2021 igipimo cy’ibitsa kigaragara ku rubuga rwa Banki Nkuru y’Igihugu ari 8.363%.

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[14] Urukiko rusanga nta ndishyi z’ikurikiranarubanza n’igihembo cya Avoka Ngirabakunzi Pierre na bagenzi be bakoresheje mu bujurire zatangwa kuko aribo bajuriye kandi bakaba batsinzwe ubujurire bwabo. III. ICYEMEZO CY’URUKIKO [15] Rwemeje ko ubujurire bwa Ngirabakunzi Pierre na bagenzi be nta shingiro bufite. [16] Rutegetse ko hagumyeho imikirize y’urubanza RC 00916/2020/TGI/NYGE rwaciwe n’Urukiko Rwisumbuye rwa Nyarugenge kuwa 22/10/2021 mu ngingo zarwo zose, SONARWA General Insurance Company ikaba igomba gutanga indishyi zikurikira: [17] - Indishyi z’akababaro ku babyeyi ba nyakwigendera: Ngirabakunzi Pierre na Uwizeyemariya Antoinette izingana na 1.620.000frw n’aho ku bavandimwe ba nyakwigendera: Musabyemariya Joselyne, Ngabonziza Valens, Byusa Regis, Umugwaneza Aline, Uwamahoro Yvette na Ishimwe Fabrice zingana na 3.240.000Frw. [18] - Indishyi mbangamirabukungu ku babyeyi ba nyakwigendera: Ngirabakunzi Pierre na Uwizeyemariya Antoinette zingana na 6.589.120Frw. [19] - Amafaranga yakoreshejwe kubera urupfu rwa nyakwigendera angana na 935.200Frw. [20] - Amafaranga y’igihembo cy’avoka n’ikurikiranarubanza angana na 1.000.000Frw. [21] Rutegetse SONARWA General Insurance Company gusubiza abarega ingwate y’amagarama batanze angana n’amafaranga 20.000Frw.