NGWINONDEBE v. SONARWA
The court found that Ngwinondebe failed to prove she was forced to use a specific garage or that the chassis installed was not new. The insurance contract's clause excluding liability for delays or loss of value was valid and binding. Ngwinondebe was responsible for following up the repairs and collecting the...
Source-derived case information.
- Citation
- RCOMA 0237/14/HCC
- Parties
- Appellant: Ngwinondebe Marie Claire; Respondent: SONARWA GI Ltd
- Court
- Commercial High Court
- Jurisdiction
- Rwanda
- Judgment Date
- 3 July 2014
- Case Number
- RCOMA 0237/14/HCC
- Procedural Posture
- Commercial Insurance Dispute / Appeal Judgment
- Outcome
- Appeal dismissed; respondent prevails.
- Legal Topics
- Motor Vehicle Insurance, Contractual Obligations, Burden of Proof, Damages, Evidence in Civil Proceedings
- Source Language
- rw
Source-derived case record
Summary, issues, holding and outcome
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Parties
Ngwinondebe Marie Claire
Appellant
SONARWA GI Ltd
Respondent
Procedural Posture
Commercial Insurance Dispute / Appeal Judgment
Legal Issues
- 1 Whether the insurer (SONARWA) was responsible for delays and quality of vehicle repair
- 2 Whether the insured (Ngwinondebe) was forced to use a specific garage
- 3 Whether the chassis installed was new or used
Ratio Decidendi
The court found that Ngwinondebe failed to prove she was forced to use a specific garage or that the chassis installed was not new. The insurance contract's clause excluding liability for delays or loss of value was valid and binding. Ngwinondebe was responsible for following up the repairs and collecting the vehicle. Her appeal lacked merit and was dismissed.
Court Disposition
Appeal dismissed; respondent prevails.
Orders
- Ngwinondebe Marie Claire to pay SONARWA GI Ltd 500,000 RWF for legal costs and attorney fees within 15 days, failing which enforcement measures will apply.
- All other orders of the lower court in case RCom 1391/13/TC/Nyge remain in force.
Full Case Text
Judgment text and source record
17 paragraphs
# NGWINONDEBE v. SONARWA
- Source: Amategeko - Section: Decisions (Judgements) - Date: 2014-07-03 - Case/document no.: RCOMA 0237/14/HCC - Collection: Commercial High Court
## Text
## Page 1
NGWINONDEBE v. SONARWA [Rwanda URUKIKO RUKURU RW’UBUCURUZI – RCOMA 0237/14/HCC (Niwemugeni, P.J., ) kuwa 03/07/2014] Amategeka agenga imiburanishirize y’imanza z’ubucuruzi – Ububasha bwo gukurikirana imirimo y’isanwa ry’imodoka – Ikimenyetso – Umuburanyi ntiyavuga ko umwishingizi ari we wamuhitiyemo igarage izakora imodoka ye mu gihe nta kimenyetso yerekana kigaragaza ko yahatiwe igarage agomba gukoreshereza mo imodoka ye we atabishaka. Nyirimodoka niwe wagombaga gukurikirana imirimo y’isanwa ryayo afatanyije n’umwishingizi kuko atagaragaza uwamukuyeho ububasha bwo kuyikurikirana, Itegeko n° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9. Amategeka agenga imiburanishirize y’imanza z’ubucuruzi – Agaciro ka chassis y’imodoka n’agaciro ka controle technique – Ikimenyetso – Nyirimodoka ntiyavuga ko chassis yashizwe mu modoka ye atari nshya mu gihe atagaragaza aho ashingira anenga ubushya bwayo. Kuba nta bimenyetso yerekana bigaragaza ko numero ya chassis atari iyo yari isanzwe ifite, ntaho yahera avuga ko chassis Atari nshya – Controle technique yahabwa agaciro kayo kuko ari ikimenyetso kigaragaza ko imodoka yaba yarakorewe isuzuma imeze neza , Itegeko n º15/2004 yo kuwa12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingingo ya 3. Amategeko agenga Ubwishingizi – Amasezerano y’ubwishingizi – Kuryozwa igihombo – Umwishingizi ntagomba kwishyuzwa ko ikinyabiziga cyamaze iminsi gihagaze cyangwa se ko cyataye agaciro kubera impanuka – Umwishingizi nta makosa yaryozwa mu gihe nyirimodoka atarubahirije inshingano ze akurikirana imodoka ye muri garage, Itegeko nº 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano,ingingo ya 64, Amasezerano rusange ya SONARWA, ingingo ya 44. Incamake y’ikibazo: BNR yakoranye na SONARWA amasezerano y’ubwishingizi y’imodoka y’abakozi bayo harimo n’iya Ngwinondebe Marie Claire yari ifite agaciro ka 37.000.000 frws. Iyi modoka yaje gukora impanuka, SONARWA irabimenyeshwa. Ngwinondebe arega SONARWA mu Rukiko rw’Ubucuruzi avuga ko yatinze gukoresha imodoka ye, ko yamuhitiyemo igaraji igomba gukorerwa mo, ko nta mpuguke SONARWA yashizeho ngo ikurikirane imirimo y’isanwa ry’imodoka, avuga kandi ko chassis yaguzwe atari nshya. SONARWA isubiza ivuga ko imodoka yarangije gukorwa ariko nyirayo yanga kuza kuyifata. Urukiko rwemeza ko SONARWA yakoresheje imodoka ya Ngwinondebe, rwemeza ko nta kigaragaza ko chassis atari nshya nkuko Ngwinondebe abivuga, rwemeza kandi ko nta ndishyi SONARWA yaryozwa zahabwa Ngwinondebe. Ngwinondebe ntiyishimiye imikirize y’urubanza arajurira, avuga ko atemeranya n’urukiko kuba rwemeje ko ari we wihitiyemo igaraji, runemeza kandi ko atari umwishingizi wogombaga gukurikirana imirimo yose y’isanwa ry’imodoka. SONARWA isubiza ivuga ko ariyo igomba kuryozwa ibyangiritse ku modoka, ko yagaragarije Ngwinondebe urutonde rwa garages zemewe na SONARWA ngo ahite mo ebyiri. Ikomeza ivuga ko Ngwinondebe ari we wagombaga gukurikirana iby’ikorwa by’imodoka ye.
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Ku bijyanye n’itinda ry’isanwa ry’imodoka, Ngwinondebe avuga ko urukiko rwafashe umwanzuro uhabanye n’ibyari byanditse byari byunvikanyeho. Akomeza avuga ko nta bushobozi yari afite bwo kureba niba imodoka ye yarangije gusanwa mu buryo bwemejwe na Expert mu gukora imodoka. SONARWA yo ivuga ko kubera imyitwarire mibi ya Ngwinondebe wahoraga ashako ko imodoka iba déclassé, byabaye ngombwa ko garage ATECAR yandikira SONARWA ivuga kuriyo mwitwarire idahwitse ya nyiri modoka. Ku bijyanye na chassis yashizwe mu modoka, Ngwinondebe avuga ko nta chassis ya Jeep Toyota Prado yagura 567.201 frws, ko akeka ko iyo bashizemo ishobora kuba atari nshya. SONARWA isubiza ivuga ko ubwo bushya bwa chassis ntaho Ngwinondebe ashingira abunenga, ko hubwo yakagombye kugaragaza ibimenyetso byerekana ko iyo chassis atari nshya. Ku mpanvu yuko urukiko rwemeje ko Ngwinondebe yanze kujya gufata imodokaye, runemeza ko chassis y’imodoka ari nshya, Ngwinondebe we avuga ko iyi mpanvu idahuye n’ukuri, asaba ko yateshwa agaciro, avuga ko kuba umucamanza avuga ko imodoka yakorewe controle technique bivuze ko iba imeze neza atari byo kuko bidasobanura ko chassis ari nshya. SONARWA ivuga ko imodoka yarangijwe gukorwa ariko nyirayo ntiyaza kuyifata nkuko bigaragazwa n’amabaruwa atandukanye SONARWA yanditse isaba kwishyurwa imirimo yakozwe irimo na controle technique yakorewe imodoka mu rwego rwo kugaragaza ko ari nzima. Ku bijyanye n’ingingo ya 44 y’amasezerano y’ubwishingizi umucamanza yavuze ko iyi ngingo igomba kubahirizwa kubera ko ivuga ko umwishingizi atagomba kuryozwa igihombo gitewe no gutinda gukorwa kw’ikinyabiziga, Ngwinondebe we avuga ko iyi ngingo yavuzwe itashobora kurusha uburemere ingingo ya 258 CCL III iteganya ko igikorwa cyose cyangirije undi gitegeka nyirugukora ikosa kuriha ibyangiritse. SONARWA yo ivuga ko Ngwinondebe atubahirije inshingano ze akurikirana imirimo y’ikorwa ry’imodoka ye muri garage, bityo nta makosa SONARWA yaryozwa. Incamake y’icyemezo: 1. Kuba umwishingizi yarahaye nyirimodoka urutonde rwa za garage zemewe ngo ahitemo izakora imodoka ye, ni ukuvuga ko nyirimodoka ari we witoranyirije garage. Ntiyavuga ko umwishingizi ari we wagombaga gukurikirana isanwa ryayo mu gihe nta kigaragaza icyamukuyeho ububasha bwo gukurikirana imikorere y’imodoka, bityo nyirimodoka niwe wagombaga gukurikirana imirimo y’isanwa ry’imodoka ye. 2. Kuba nyirimodoka atabasha kwerekana aho umucamaza yaba yaremeje ko controle technique igaragaza ko chassis ari nshya, gusa ikagaragaza ko imodoka imeze neza, controle technique yahabwa agaciro kayo. 3. Amasezerano rusange y’umwishingizi agomba kubarizwa n’impande zombi zayakoranye. Mu gihe rero ingingo ya 64 y’itegeko rigenga amasezerano riteganya ko amasezerano akozwe mu buryo bukurikije amategeko aba itegeko kandi akubahirizwa nta buryarya, Nyirimodoka ntiyavuga ko ingingo ya 44 y’amasezerano rusange y’umwishingizi bunvikanye idakwiye kubahirizwa. Ubujurire bwakiriwe ariko nta shingiro bufite. Uwarezwe aratsinze, uwareze aratsinzwe.
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Amategeko yifashishijwe: Itegeko n°21/2012 ryo kuwa14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 9, Itegeko ryo nº45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, ingingo ya 64, Itegeko nº 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ingingo ya 3, Amasezerano rusange ya SONARWA, ingingo ya 44. Nta manza zashingiweho: Urubanza I. IMITERERE Y’URUBANZA [1] Kuwa 23/02/2012, Banki Nkuru y’u Rwanda yafatiye ubwishingizi imodoka z’abakozi bayo harimo n’iya Ngwinondebe Marie Claire, Toyota Prado Jeep RAB S, ifite no ya chassis JTEBK 29J390042830 yari ifite agaciro ka 37.000.000 frs umunsi amasezerano y’ubwishingizi ashyirwaho umukono. Kuwa 01/03/2013, iyo modoka yahise ikora impanuka, SONARWA ibimenyeshwa kuwa 03/03/2012. Ngwinondebe yareze SONARWA mu Rukiko r’Ubucuruzi, avuga ko SONARWA yatinze gukora imodoka kandi ari yo yahisemo igaraji, ikaba nta n’impuguke SONARWA yashyizeho ngo ikurikirane imirimo y’isanwa ryayo, na shasi yaguzwe ikaba atari nshya. SONARWA yo ivuga ko yarangije gukora imodoka, ikaba ifite na shasi nshya ariko Ngwinondebe akaba yaranze kuza kuyifata. Mu rubanza rujuririrwa, Urukiko rwemeje ko SONARWA yakoze imodoka ya Ngwinondebe Marie Claire, Banki Nkuru y’Igihugu yafatiye ubwishingizi ariko nyirayo ntajye kuyifata, Rwemeje ko nta kigaragaza ko Chassis yaguzwe atari nshya, Rwemeje ko nta ndishyi SONARWA yaryozwa zahabwa Ngwinondebe, rumutegeka guha SONARWA indishyi za 300.000 frs y’ikurikirana rubanza n’igihembo cy’avoka, rwemeza ko nta ndishyi SONARWA yahabwa. [2] Ngwinondebe ntiyishimiye iyo mikirize, ajuririra uru Rukiko ku mpamvu y’uko Urukiko rwemeje ko umwishingizi atari we wagombaga gukurikirana iby’isanwa ry’imodoka, ku mpamvu y’uko Urukiko rwemeje ko itinda ry’isanwa ry’imodoka ryatejwe na na Ngwinondebe nyir’imodoka, ku mpamvu y’uko umucamanzayirengagije ko nta chassis y’imodoka yagura 567.201 frs, ku mpamvu y’uko umucamanza yemeje ko controle technique yagaragaje ko chassis ari nshya,ndetse no ku mpamvu ijyanye n’ingingo ya 44 y’amasezerano rusange y’ubwishingizi, Muri uru rubanza, uru Rukiko rugiye gusuzuma niba izo ngingo z’ubujurire zahabwa ishingiro, ndetse runasuzume n’ubujurire bwuririye kubundi butangwa na Sonarwa GI Ltd. II. ISESENGURA RY’URUBANZA 1. Ku mpamvu y’ubujurire y’uko Urukiko rwemeje ko uwahisemo igarage ari nyir’imodoka, ko umwishingizi atari we wari gukurikirana iby’isanwa ryayo wenyine nyir’imodoka yiyicariye.
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[3] Ngwinondebe avuga ko ibyo atabyemera kuko mu gace ka 5 k’urubanza, umucamanza yirengagije ko expert wa Sonarwa wari uzi ibyangiritse ku modoka ari we wakoze negociations na Garage ATECAR akaba ari we wari kubikurikirana, ko nyir’imodoka atari expert w’ama modoka ku buryo yari kumenya ibyakozwe n’ibitakozwe. Ko nk’uko bigaragazwa na’ibaruwa yo kuwa 13/11/2013 uwarikumenya ibyakozwe ku modoka ni SONARWA. [4] SONARWA GI Ltd ivuga ko iyo ari yo igomba kuryozwa ibyangiritse ku modoka, igaragariza nyir’ikinyabiziga urutonde rwa Garages zemewe na Sosiyete d’assurance, ngo ahitemo ebyiri akurikije ubushobozi abona muri izo garages, ndetse akanayigezaho devis de reparation ebyiri z’izo garage, ko SONARWA ihitamo devis ifite igiciro kiri hasi, byaba ngombwa ikangagabanyo aho ibona hatanzwe igiciro gikabije. Ivuga ko Ngwinondebe ari we wagombaga gukurikira iby’ikorwa ry’imodoka ye, naho SONARWA ikemeza nyirayo amaze gushima uko yakozwe, ko garage yishyurwa. Sonarwa ivuga ko ibi binagaragazwa n’ibaruwa Ngwinondebe yandikiwe kuwa 27/08/2012 aho igira iti: “ We advise you to keep in touch and follow up with the garage Atecar to ensure satisfactory repair of your vehicule”. [5] Nk’uko bisanzwe bigenda mu gihe imodoka yakoze impanuka igomba gukoreshwa na Sosiyete y’ubwishingizi iyo ari yo yose, nyir’imodoka ni we ushaka devis de reparation yemezwa n’umwishingizi mu gihe asanga ibiciro biyigaragaraho bitari hejuru cyane, byaba biri hejuru ikabigabanya. Nta na rimwe umwishingizi ategeka nyir’imodoka garage ajyana mo imodoka ye, nk’uko Ngwinondebe atagaragaza ko yahatiwe kujyana imodoka ye muri ATECAR cyangwa se ikaba yarajyanwemo atabizi. Ibaruwa yo kuwa 27/08/2012, iragaragaza neza ko Ngwinondebe yagombaga gukurikirana iby’ikorwa ry’imodoka ye, afatanyije n’umwishingizi. [6] Nk’uko rero byabonywe n’umucamanza wa mbere mugace ka 5 k’urubanza rujuririrwa, hashingiwe ku ngingo ya 9 y’itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganyako: “ urega agomba kugaragaza ibimenyetso by’ibyo aregera, iyo abibuze,uwareze aratsinda.” uru Rukiko rurasanga Ngwinondebe atagaragaza ko atahisemo garage ATECAR, imodoka ye ikaba yarajyanywemo ku gahato atabyemera, ndetse akaba atanagaragaza icyamukuyeho ububasha bwo gukurikirana imikorere y’imodoka ye ubwo yakorwaga muri garage Atecar. Iyimpamvu y’ubujurire, ikaba nta shingiro yahabwa. 2. Ku mpamvu y’ubujurire y’uko umucamanza yemeje ko itinda ry’isanwa ry’imodoka ryatejwe na Ngwinondebe nyir’imodoka, iyo mpamvu ikaba nta shingiro ifite kandi idahuje n’ukuri. [7] Ku bijyanye n’itinda ry’isanwa ry’imodoka, Ngwinondebe avuga ko urukiko rwafashe umwanzuro uhabanye n’ibyari byanditse byari byumvikanyweho,kuko kuba SONARWA yari yohereje expert wo kureba ibyari biri gukorwa kuri iriya modoka bisobanura ko Sonarwa yari ifite inshingano, zo gukurikirana iby’ikorwa ry’imodoka. ko nk’uko byasobanuwe mu mpamvu ya mbere, ko nyuma y’uko expert wa SONARWA akoze contre expertise ya devis de reparation ya Garage ATECAR, iyi ari yo yemerewe gukora imodoka ya Ngwinondebe. Uyu avuga ko nta bushobozi (capacite) yari afite bwo kureba niba imodoka yarangije gusanwa mu buryo bwemejwe na expert wa SONARWA. [8] SONARWA yo ivuga ko Ngwinondebe yirengagiza ko SONARWA itavuga ko imodoka yarangiye gukorwa mu gihe we avuga ko itarangiye kuko idakoze neza. Ko ku bw’imyitwarire
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mibi ya Ngwinondebe wahoraga ashaka ko imodoka iba declassé, ko byabaye ngombwa ko Garage ATECAR yandikira SONARWA ivuga ku myitwarire idahwitse ya nyir’imodoka, ndetse inasaba ko habaho constat ko imodoka yarangije gukorwa, ko ari ho umucamanza wa mbere ahera avuga ko itinda ryatewe na Ngwinondebe atari ukwibeshya, bigomba kugumana agaciro kabyo. [9] Nk’uko bigaragazwa n’ibaruwa ya Garage ATECAR yandikiye Ngwinondebe kuwa 05/09/2012, imumenyesha ko chassis yatumijwe hanze izaboneka mu mezi atanu, Ngwinodebe ntiyigeze agira icyo ayivugaho ngo agaragaze ko atishimiye ubwo butinde kuko yari afite uburenganzira bwo kubigaragariza umwishingizi agahindura garage yayikora ishobora kuba yabona iyo chassis mu gihe gito,cyane ko imodoka yari itaratangira no gukorwa. Kuba atarabikoze rero, nta we yagereka ho iby’itinda ry’ikorwa ry’imodoka, cyane ko binagaragara mu ibaruwa yo kuwa 13/11/2013 ATECAR yandikiye SONARWA, igaragaza ko yarangiza ibijyanye n’iyakirwa ry’iyo modoka kuko nyirayo yanze kuyakira mu gihe hari hashize igihe kinini irangiye. Kuba na we yaragiye aruhanya asaba ko imodoka yaba déclassé nk’uko bigaragazwa n’igisubizo yahawe kuwa 09/05/2012 SONARWA ibimwangira, uru Rukiko rurasanga nta we Ngwinondebe yagerekaho amakosa yo gutinda gukorerwa imodoka, kuko bigaragara ko na we yabigizemo uruhare, agenda aruhanya ku ngingo nyinshi zitandukanye. Iyi mpamvu y’ubujurire, ikaba nta shingiro yahabwa. 3. Ku mpamvu y’ubujurire y’uko urukiko rwirengagije ko nta chassis ya JeepToyota Prado igura 567.201 frs. [10] Ngwinondebe avuga ko expertise ya ATECAR igaragaza ko chassis nshyashya ari 4.055.845 frs, contre expertise ya Sonarwa yo ikagaragaza ko igiciro cya chassis ari 3.705.620 frs, ariko ATECAR ikaba igaragaza ko yayiguze 567.201 frs,ibi bikaba bidashoboka ko chassis yaguzwe yaba ari nshya. SONARWA Ltd ivuga ko ubwo bushya bwa chassis ntaho Ngwinondebe ashingira abunenga, ku mpamvu z’uko ikiguzi cyo hanze y’u Rwanda gitandukanye cyane n’ikiguzi cyo mu gihugu hagati, kuko haba haniyongeyeho amafaranga y’ubwikorezi, inyungu n’ibindi. Ivuga ko binatangaza cyane kubona iyo chassis itarigeze ivugwaho igihe cyose yashyirwaga mu modoka kugeza irangiye gukorwa usibye kubigira impamvu mu manza. Ko rero Ngwinondebe yakagombye kugaragaza ibimenyetso ko iyo chassis atari nshya agaragaza nka numero yari isanzwe ifite kuko ibyo byasobanura ko atari nshya. [11] Ingingo ya 3 y’itegeko ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko: “ Buri muburanyi wese agomba kugaragaza ukuri kw’ibyoaburana” Usibye kuvuga ko chassis yaguzwe amafaranga make cyane ugereranyije n’agaragara kuri expertise na contre expertise, no kuvuga ko Garage ATECAR yatse Ikigo cy’Imisoro n’Amahoro uruhushya rwo kwandika kuri chassis, uru Rukiko rurasanga ibi bidahagije mu kugaragaza ko chassis atari nshya, kuko Ngwinondebe yagombye kuba agaragariza Urukiko expertise yaba yarakoresheje ibigaragaza, cyane ko kuba iyo chassis yari kuba yanditsweho ari byo uru Rukiko rukeka ko ari byo byari kugaragaza ko tari nshya yaba yarakoreshejwe mu yindi modoka ifite mu biyiranga, no z’iyo chassis iyo iza kuba iyifite. Iyi mpamvu y’ubujurire rero, ikaba nta shingiro yahabwa. 4. Ku mpamvu y’uko urukiko rwemeje ko Ngwinondebe yanze kujya gufata imodoka, ko ikibishimangira nuko iyo modoka yangiritse yakorewe contrôle technique, yemeza ko chassis ari nshyashya.
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[12] Ngwinondebe avuga ko iyi mpamvu idahuje n’ukuri, akaba ari yo mpamvu asaba ko yateshwa agaciro. Avuga ko mu gika cya 19 cy’urubanza rujuririrwa, umucamanza avuga ko kuba imodoka yarakorewe controle technique, bigaragaza ko iba imeze neza. Ko imyumvire y’umucamanza itumvikana kandi idahuza na simple logique, kubera ko kuba imeze neza atari byo bishobora gusobanura ko shasi yashyizwe mu modoka ari nshya. SONARWA yo ivuga ko Garage ATECAR imaze gukora imodoka, nyirayo ntaze kureba ibyakozwe nk’uko bigaragazwa n’amabaruwa atandukanye, yanditse ikeneye kwishyurwa imirimo yakozwe, ko yakoze controle technique mu rwego rwo kugaragaza ko imodoka ari nzima, ko yakwishyurwa ndetse na nyirayo akaza kuyitwara. [13] Kuba nyuma y’isanwa ry’imodoka yakoze impanuka ijyanwa muri contrôle technique kugira ngo harebwe ko nta kibazo igifite, uru Rukiko rurasanga ntagitangaza kirimo. Kuba rero mu rubanza rujuririrwa, urukiko rwaravuze ko controle technique yahabwa agaciro kayo kuko igaragaza ko imodoka iba imeze neza, na byo uru Rukiko rurasanga bifite ishingiro, kuko ntaho Ngwinondebe agaragaza ko umucamamanza yaba yaremeje ko controle technique yemeje ko chassis y’imodoka ari nshya. Iyi mpamvu y’ubujurire rero ikaba nta shingiro yahabwa. 5. Ku mpamvu y’ubujurire ijyanye n’ingingo ya 44 y’amasezerano rusangey’ubwishingizi (conditions generales d’assurance). [14] Ngwinondebe avuga ko umucamanza yemeje ko iyi ngingo igomba kubahirizwa kubera ko umwishingizi atagomba kuryozwa igihombo gitewe no gutinda gukorwa kw’ikinyabiziga. Ko ingingo ya 44 y’ingingo rusange, idashobora kurusha uburemere ingingo ya 258 y’igitabo cya 3 cy’urwunge rw’amategeko y’imbonezamubano iteganya ko: “Igikorwa cyose cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse. Ko ingingo rusange zidashobora gusimbura itegeko. [15] SONARWA yo ivuga ko amasezerano hagati yayo na BNR afite no 0311619(flotte), ahagana hasi h’iyo contrat handitse: “ L’assuré déclare avoir pris connaissance des conditions générales et particulières ainsi que des clauses facultatives qui font partie intégrante de la police d’assurance.» Ko ingingo ya 44 y’ingingo rusange y’amasezerano iteganya ko : « Indishyi zigomba guhwana neza n’ibyangiritse gusa ku kinyabiziga. Nta na rimwe SONARWA igomba kwishyuzwa ko ikinyabiziga cyamaze iminsi gihagaze cyangwa se ko cyataye agaciro kubera impanuka. Sonarwa ntiyishyuzwa kuba ikinyabiziga cyaratinze gukorwa, cyangwa kitarashoboye gukorwa bitewe no kubura ibyuma. » SONARWA ikomeza ivuga ko urega avuga ko izi conditions generales SONARWA ubwayo yazishyiriyeho itazumvikanyeho na Ngwinondebe, yirengagiza amasezerano yabaye hagati ya SONARWA na BNR, agaragaza ko uwishingiwe yamenyeshejwe ingingo rusange z’amasezerano y’ubwishingizi bw’ibinyabiziga bigenzwa na moteri ku butaka, kandi ko ihame riteganywa n’ingingo ya 64 y’itegeko rigenga amasezerano, kuvuga ko SONARWA yabiryozwa hashingiwe kungingo ya 258 CCIII, isanga Ngwinondebe ari we utarubahirije inshingano ze akurikirana imodoka ye muri garage anayishyikirizwa, bivuze ko nta makosa SONARWA yaryozwa. [16] Nk’uko umucamanza wa mbere yabibonye ingingo ya 44 y’amasezerano rusange ya SONARWA igomba kubahirizwa n’impande zombi zagiranye amasezerano, nk’uko bigaragazwa n’amasezerano impande zombi zagiranye.Kuvuga ko idakwiriye kubahirizwa mbere y’ingingo ya 258 CCIII, uru Rukiko rurasanga urega yirengagiza ko iriya ngingo ya 44 iri mu masezerano
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yagiranye na SONARWA, ikaba ariyo igomba kubanza kubahirizwa hashingiwe ku ngingo ya 64 y’itegeko rigenga amasezerano, iteganya ko : « Amasezerano akoze ku buryo bukurikije amategeko aba itegeko ku bayagiranye, agomba kubahirizwa nta buryarya. » Iyi mpamvu y’ubujurire rero ikaba nta shingiro yahabwa. 5. Ku ndishyi zisabwa na Sonarwa, GI Ltd. [17] SONARWA, GI Ltd irasaba indishyi zo gushorwa mu manza ku maherere zingana na 1.500.000frs, n’igihembo cy’avoka kingana na 500.000 frs ku rwego rw’ubujurire. Uru Rukiko rurasanga SONARWA itagaragaza ko ari yo ikwiriye koko, ikaba iri buyagenerwe mu bushishozi bwarwo. III. ICYEMEZO CY’URUKIKO [18] Urukiko Rukuru rw’Ubucuruzi: Rwemeye kwakira ubujurire rwashyikirijwe na Ngwinondebe Marie Claire. Rwemeje ko nta shingiro bufite. Rukijije ko SONARWA GI itsinze, ko Ngwinondebe Marie Claire atsinzwe. Rutegetse Ngwinondebe Marie Claire kwishyura SONARWA GI, 500.000 frs akubiyemo igihembo cy’avoka n’indishyi zo gushorwa mu manza ku maherere, akayatanga mu gihe cy’ iminsi cumi n’itanu uru rubanza rubaye itegeko, atayatanga akavanwa mu bye ku ngufu za Leta. Rutegetse ko ku bindi byose hubahirizwa icyemezo cy’urukiko, mu rubanza RCom 1391/13/TC/Nyge.