PRIME INSURANCE v MUKANDAMAGE

# PRIME INSURANCE v MUKANDAMAGE

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-06-09 - Case/document no.: RCA OOO12/2022/HC/KIG - Collection: High Court

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PRIME INSURANCE v MUKANDAMAGE [Rwanda URUKIKO RUKURU - RCA 00012/2022/HC/KIG (Nkusi P.J.) 09 Kamena 2023] Amategeko agenga imanza z’imbonezamubano – Indishyi zikomoka ku mpanuka – Amasezerano y’ubwumvikane - Kutubahiriza amasezerano y’ubwumvikane - Ikigo cy’ubwishingizi kitubahirije amasezerano y’ubwumvikane nticyabirengaho ngo gisabe urukiko gutegeka undi muburanyi kubahiriza ayo masezerano. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka y’imodoka ya FUSO- TRUCK RAB 543 Z ifite ubwishingizi muri Prime Insurance ubwo yari igeze muri Centre ya isubira inyuma igonga inzu ya Mukandamage irasenyuka. Mukandamae yegereye Prime Insuranece asaba indishyi bakorana amasezerano yemera kumusanira inzu ariko igihe cyo kuyisana kirangira nta gikozwe. Mukandamage yatanze ikirego mu Rukiko Rwisumbuiye rwa Gicumbi asaba indishyi hanyuma Urukiko rumugenera indishyi zitandukanye. Prime insurance yajuririye iki cyemezo mu Rukiko Rukuru narwo mu guca uru rubanza rusuzuma ibibazo birimo icyo kumenya agaciro k’ ubwumvikane Prime Insurance Co Ltd yagiranye na Mukandamage n’ ingaruka zabwo. Urega avuga ko yemera ko yagiranye amasezerano koko yo gusana inzu ya Mukandamage ariko impamvu atayashyize mu bikorwa ngo ni uko Mukandamage atigeze yaka icyangombwa cyo gusana kandi ngo Mukandamage icyo yagombaga kuregera cyari ukutubahiriza amasezerano yagiranye na Prime Insurance Company aho kuregera indishyi zikomoka kumpanuka yamusenyeye inzu. Uregwa asobanura ko indishyi asaba zikomok ku modoka ifite ubwishingizi bwa Prime Insurance Company yamusenyeye inzu hakaza kubaho kumvikana n’umwishingizi ku buryo bwo kuyisana ariko ntabikore nkuko biri mu masezerano bagiranye. Incamake y’icyemezo: Ikigo cy’ubwishingizi kitubahirije amasezerano y’ubwumvikane nticyabirengaho ngo gisabe urukiko gutegeka undi muburanyi kubahiriza ayo masezerano bityo ibyo Prime insurance company isaba bikaba bitahabwa agaciro kuko itaahaye agaciro amasezerano yakoze ngo iyashyire mu bikorwa. Ubujurire bwatanzwe nta shingiro bufite; Ibyemejwe mu rubanza rujuririrwa bihamyeho bikaba bigomba gushyirwa mu bikorwa. 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, ingingo ya 12 Nta manza zifashishijwe Urubanza I. IMITERERE Y’URUBANZA

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[1] Uru rubanza rwatangiriye mu rukiko rwisumbuye rwa Gicumbi, Mukandamage Anne Marie arega Prime Insurance Company Ltd mu izina ry’ Uyihagarariye, avuga ko Imodoka FUSO- TRUCK RAB 543 Z yavaga Bwisige yerekeza Rubaya, yageze muri Centre ya Rwasama itwawe na Ntivuguruzwa Jean Paul isubira inyuma igonga inzu ya Mukandamage Anne Marie irasenyuka. Iyo mpanuka ikaba yaratewe n’uburangare, ubuteganye bucye, ubuteshuke bucye ndetse n’imiyoborere mibi ya Shoferi Ntivuguruzwa Jean Paul. Icyo kinyabiziga kikaba gifite assurance mu bwishingizi muri Prime insurance. Mukandamage yagannye Prime Insurance ngo bumvikane bemera gusana iyo nzu ariko biba mu magambo gusa. Mukandamage yatanze ikirego mu rukiko asaba kwishyurwa ibyangijwe byose bifite agaciro k’amafaranga 4.439.700 frw. [2] Iburanisha ry’urubanza ryabaye Mukandamage ahagarariwe na Me Ndejeje Pascal naho Prime Insurance badahari ariko barahamagawe mu buryo bukurikije amategeko ntibitaba. [3] Urukiko rwisumbuye Rwemeje ko ikirego cya Mukandamage Anne Marie gifite ishingiro; Rwategetse Prime Insurance Company Ltd guha Mukandamage Anne Marie indishyi zingana na miliyoni ebyiri n’ibihumbi magana inani (2,800,000Frw); Rwategetse ko amagarama y’urubanza ahwanye n’ibyakozwe mu rubanza. [4] Prime Insurance Co Ltd ntiyishimiye imikirize y’ uru rubanza, irajurira ivuga ko Urukiko rwisumbuye rwategetse ko hatangwa indishyi nyamara icyo kirego cy’indishyi cya Mukandamage Anne Marie kitaragombaga kwakirwa ngo kuko bagiranye amasezerano y’ ubwumvikane, ahubwo yashoboraga kurega Prime Insurance Co Ltd igihe itubahirije amasezerano yo kumusanira inzu nkuko byari byumvikanyweho. II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA

1. Gusuzuma agaciro k’ ubwumvikane Prime Insurance Co Ltd yagiranye na Mukandamage Anne Marie n’ ingaruka zabwo. [5] Uhagarariye Prime Insurance Company Ltd avuga ko mu gika cya 4 cy’urubanza rujuririrwa Urukiko ruvuga ko “Mukandamage asobanura impamvu agomba guhabwa indishyi asaba avuga ko imodoka RAB 543 Z yishingiwe na Prime insurance company yagonze inzu ya Mukandamage irasenyuka, ko ari yo mpamvu asaba guhabwa n’umwishingizi indishyi z’ibyangijwe bihwanye n’ amafaranga miliyoni enye ibihumbi magana ane mirongo itatu n’icyenda na magana arindwi (4439700Frw).” Ingingo ya 3 al 1 y’Iteka rya Perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, ivuga uburyo bwo kwaka indishyi igira iti: “Uretse igihe habayeho ikurikiranacyaha, hakurikijwe ingingo ya 9 y'itegeko N° 41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry'indishyi ku bagize impanuka zitewe n'ibinyabiziga, uwahohotewe agomba, ku buryo budakuka, mbere yo gutanga ikirego mu rukiko cyerekeye indishyi zitangwa n'umwishingizi w'umushoferi uri mu cyaha, kwaka indishyi mu bwumvikane no kumuha inyandiko zose zerekana ko ibyo yaka bifite ishingiro, harimo n'inyandiko-mvugo igaragaza impanuka yakozwe na polisi.” Mukandamage Anne Marie na Prime insurance bagiranye ubwumvikane hashingiwe kuri iyi ngingo, bemeranya ko Prime Insurance Co Ltd ishyiraho entreprise isana inzu ye maze we akajya areba ko bamwubakira neza. Ibyo Prime Insurance Co Ltd yarabyubahirije ariko imirimo ntiyakomeza kubera ko Mukandamage Anne

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Marie atari yasabye icyemezo cyo gusana mu buyobozi bwa Leta. Ingingo ya 83 igika cya 4 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 “Impamvu ituma ikirego kitakirwa ni ingingo yose isaba kutakira ikirego cy’umuburanyi, hatinjiwe mu mizi yacyo, kubera ko adafite uburenganzira bwo kurega, nko kuba adafite ububasha n’inyungu zo kurega, ubusaze bw’ikirego, kurenza igihe cyo kurega, urubanza rwabaye itegeko cyangwa kudatanga amagarama, harabayeho amasezerano yo kwikiranura cyangwa iyo hari imihango itarubahirijwe iteganywa n’itegeko.” Naho ingingo ya 64 y’itegeko N° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, ikavuga ko: “Amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye. Ashobora guseswa ari uko babyumvikanyeho cyangwa ku mpamvu zemewe n'amategeko. Agomba kubahirizwa nta buriganya.” Hashingiwe kuri izi ngingo z’amategeko, Prime Insurance Co Ltd irasaba Urukiko rujuririwe kubona ko mbere yo gutanga ikirego mu Rukiko Rwisumbuye rwa Gicumbi Mukandamage Anne Marie yari yabanje kugiranga amasezerano y’ubwumvikane na Prime Insurance Co Ltd. Ayo masezerano niyo yagombaga kubahirizwa kubera ko ari itegeko kubayagiranye, bitashoboka utayubahirije akabiregerwa ntabwo ikirego cy’indishyi cya Mukandamage Anne Marie cyagombaga kwakirwa nkuko biteganywa n’ingingo ya 83 y’itegeko No 22/2018 bavuze cyane cyane igika cya 4, ahubwo yashoboraga kurega Prime Insurance Co Ltd igihe itubahirije amasezerano yo kumusanira inzu nkuko byari byumvikanyweho. [6] Uhagarariye Mukandamage Anne Marie avuga ko ibyo Prime Insurance ivuga nta shingiro bifite kuko niyo mwishingizi w’ikinyabiziga cyagonze inzu ya Mukandamage Anne Marie nyuma yuko ayishyikirije ibisabwa byose kugirango indishyi zishyurwe mu bwumvikane PRIME INSURANCE yarabyemeye gusa bigeze igihe cyo kubishyira mu bikorwa ibyumvikanyweho birangira bibaye ku munwa gusa nibwo Mukandamage Anne Marie yagannye inzego z’ubutabera kugirango arenganurwe hakurikizwe ibyo amategeko ateganya, Urukiko mu kwemeza indishyi rwashingiye kuba imodoka RAB 543 Z yishingiwe na Prime Insurance Company yaragonze inzu ye, na cyane ko ari ihame ko igikorwa cy’umuntu cyangirije undi gitegeka nyir’ugukora ikosa kuriha ibyangiritse Mukandamage Anne Marie akaba agaragaza ibimenyetso by’ibyo yaregeraga birimo kuba inzu yarasenyutse nyuma yo kugongwa nkuko byemezwa n’inyandiko mvugo y’umugenzacyaha wahageze ndetse n’uregwa akabyemera; nkuko biteganywa mu ngingo za 3 na 110 z’itegeko No 15/2004 ryo ku wa 12/06/2004 ry’ibimenyetso mu manza n’itangwa ryabyo akaba aribyo byashingiweho n’Urukiko rwemeza indishyi Mukandamage agomba guhabwa bigahuzwa agahabwa n’igihe giciyeho avukijwe uburenganzira ku nzu ye kuberako igihe inzu yasenyukiye ni kuwa 26/10/2019 Urukiko mu bushishozi bwarwo niko kumugenera indishyi zose zingana na miliyoni ebyiri n’ibihumbi magana inani(2,800,000Frw. Bagasanga rero nta nenge uru rubanza rufite. UKO URUKIKO RUBIBONA [7] Urukiko rusanga amasezerano yabaye hagati ya Mukandamage na Prime Insurance yaravugaga ko izashyiraho umwubatsi ukora imirimo ya gusana kugeza arangije amafaranga yaba yabaye make ngo bakongera aho andi ko kandi Mukandamage yari gukurikirana uko imirimo irimo gukorwa akaba ariwe wari kuzavuga ko imirimo irangiye anyuzwe, Mukandamage avuga ko PRIME itigeze ishyira mu bikorwa ayo masezerano ngo kuko usibye kubivuga nta kindi cyakurikiyeho . Urukiko rurasanga PRIME ivuga ko icyatumye ntacyo

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yakoze aruko Mukandamage atayigaragarije ko yabonye uruhushya rwo gusana yariguhabwa n’ubuyobozi. Urukiko rukuru rurasanga nta kindi cyakurikiye ariya masezerano kuko nta nyandiko PRIME yaba yarandikiye Mukandamage igaragaza umunsi n’uburyo bwo gushyira mu bikorwa ayo masezerano harimo no kuvugana ibyerekeye gusaba uruhushya rwo gusana bivugwa na PRIME n’ugomba kurusaba no kurukurikirana kugeza rubonetse no kuvuga igihe gahunda yo gusana yari gutangirira; ibyo byose ntabyakozwe niba byaranakozwe nta kimenyetso PRIME itanga cyagaragariza urukiko ko byabayeho. 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 igira iti: “Urega agomba kugaragaza ibimenyetso by’ibyo aregera. Iyo abibuze, uwarezwe aratsinda”. [8] Urukiko rurasanga rero nta bimenyetso PRIME yagaragaje byerekana ko yakurikiranye ishyirwa mu ngiro z’inshingano yarimaze kwiyemeza kugirango izuzuze mu cyo yita amasezerano yo gusana ikoresheje company cg umufundi wayo nta nubwo yaba yarashyize amafaranga kuri konti ya Mukandamage wenda ngo imusabe kubikora biragaragara ko itashatse gushyira mu bikorwa ayo amasezerano nkuko Mukandamage avuga ko amasezerano yagumye mu magambo gusa. Urukiko rurasanga kandi kuba PRIME yaravuze ko ayo 500 000 frw aramutse abaye make yiteguye (PRIME) kuyongera; icyo bivuze nuko PRIME itari yizeye ko ibyo 500 000 frw bihagije urebye nta mubare wanyawo PRIME yari yemeye mu buryo budatera urujijo ngo urukiko rube rwayemeza kandi expertise yari yakozwe yariyagaragaje ko hazakoreshwa n’amafaranga menshi ari hejuru ya 500 000 frw. Urukiko rero rukaba rusanga PRIME itarahaye agaciro amasezerano yakoze bityo n’urukiko rukaba rutari kuyashingiraho uwayateguye ariwe PRIME atarayitayeho ngo ayashyire mu ngiro.

2. Gusuzuma niba Urukiko rwisumbuye rwaragombaga gusuzuma indishyi Mukandamage Anne Marie yasabye. [9] Uhagarariye Prime Insurance Co Ltd avuga ko mu gika cya 6 cy’urubanza rujuririrwa urukiko rwavuze ko: “ Kuba ihame ari uko igikorwa cy’umuntu cyangirije undi gitegeka nyir’ugukora ikosa kuriha ibyangiritse kandi n’urega akaba agaragaza ibimenyetso by’ibyo aregera birimo kuba inzu yarasenyutse nyuma yo kugongwa nkuko byemezwa n’inyandiko mvugo y’umugenzacyaha wahageze ndetse n’uregwa akabyemera; urukiko rusanga nkuko biteganywa mu ngingo za 3 na 110 z’itegeko No 15/2004 ryo ku wa 12/06/2004 ry’ibimenyetso mu manza n’itangwa ryabyo bigize ibimenyetso byagenderwaho Mukandamage agahabwa indishyi asaba hagendewe ku zo yasabaga arega n’igihe giciyeho avukijwe uburenganzira ku nzu ye. Urukiko mu bushishozi bwarwo rukaba rusanga indishyi zose hamwe Mukandamage agomba guhabwa ari amafaranga miliyoni ebyiri n’ibihumbi magana inani (2,800,000Frw).” Ikigaragara nuko Me Ndejeje Pascal atigeze amenyesha urukiko ko habayeho ubwumvikane. Iyo abivuga ntabwo ikirego cye cyari kwakirwa. Ariko niyo kiramuka cyakiriwe ntabwo rwagomba gushingira ku bushishozi kandi hari amategeko. Ingingo ya 3 al 1 y’Iteka rya Perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, ivuga ko usaba indishyi agomba gutanga inyandiko zose zerekana ibyo asaba bifite ishingiro. Ko hari contre-expertise yumvikanyweho n’impande zombi kuki urukiko atari yo rwashingiyeho ahubwo rugashingira ku bushishozi? Kubw’ibanze Prime Insurance Co Ltd irasaba Urukiko Rukuru gutegeka ko ikirego kitakiriwe rwabibona ukundi rugashingira kuri contre-expertise ya Ing. HABUMUGISHA Leonidas, rukanategeka ko

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hubahirizwa ibikubiye mu masezerano y’ubwumvikane, dore ko Urukiko Rwisumbuye rwa Gicumbi rwabogamye bikabije kuko urega yasabaga 1.875.000Frw ariko rwo rukamuha 2.800.000Frw atanasabye, kandi ingingo ya 10 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 ku cyasabwe cyose kandi kuri icyo cyonyine.” Akaba yaranyuranyije nayo. [10] Uhagarariye Mukandamage Anne Marie avuga ko ngo nkuko bigaragazwa na PV de constat yakozwe na police tariki ya 26/10/2019 Saa 24H:00’ , mu Mudugudu wa Rwasama, Akagali ka Gacurabwenge, Umurenge wa Byumba, Akarere ka Gicumbi, Intara y’AMAJYARUGURU, mu muhanda w’igitaka habereye impanuka y’ikinyabiziga FUSO- TRUCK RAB 543 Z yavaga bwisige yerekeza Rubaya igeze aho bavuze ruguru muri Centre ya Rwasama itwawe na Ntivuguruzwa Jean Paul, nuko isubira inyuma igonga inzu y’umuturage witwa Mukandamage Anne Marie irasenyuka, iyo mpanuka ikaba yaratewe n’uburangare, ubuteganye bucye, ubuteshuke bucye ndetse n’imiyoborere mibi ya Shoferi Ntivuguruzwa Jean Paul, icyo kinyabiziga kikaba gifite assurance muri ubwishingizi muri Prime Insurance, akaba ari nayo ifite inshingano zo kuriha ibyangijwe n’uwo yishingiye, bakaba basanga indishyi zemejwe n’Urukiko Prime Insurance igomba kwishyura zikwiye nk’uko amategeko abite ganya. Bagasanga rero ibyo ijuririra byose ari amatakirangoyi no gukomeza gukurura imanza zidafite ishingiro. UKO URUKIKO RUBIBONA

[11] Biragaragara ko nyuma y’umwaka impanuka ibaye igasenya inzu ya Mukandamage habayeho expertise yakozwe n’umugenagaciro witwa NDEJEJE wavuze ko ibyangijwe n’impanuka bihwanye na 1875 000frw naho mu rubanza Mukandamage akaba yarasabaga 4.439.700 frw Mukandamage yanavugaga ko inzu ye yakodeshwaga bikaba byarahagaritswe n’iyo mpanuka n’imvura ngo ikaba imusenyera kubera gutinda gusana .Urukiko rurasanga urukiko rwisumbuye mu gufata icyemezo rwarahisemo gushishoza ahanini kuko umwe mu baburanyi atari yitabiriye iburanisha ngo yereke urukiko rwisumbuye aho ruhera ngo ruhindure ibyasabwe rushingiye ku mvugo z’impande zombi. Ubu rero iyo PRIME isaba ko urukiko mu gihe rwaba rudategetse ko hubahirizwa amasezerano y’ubwumvikane yabaye hagati ya PRIME na Mukandamage urukiko rwashingira icyemezo cyarwo ku byo Mukandamage yari yasabye aribyo 1875000frw. Urukiko rusanga ahubwo uyu mubare ari expertise y’ibyangijwe yakozwe kuko Mukandamage yasabaga ariya hiyongereyeho n’andi arimo ay’ubukode yavukijwe n’impanuka. [12] Urukiko rurasanga ibyerekeye ubukode buri muri systeme ntacyo PRIME yabuvuzeho kandi yaragombaga kugira icyo ibuvugaho ikagira n’icyo ibivuguruzaho ariko ntacyo yakoze bikaba byaratumye urukiko rwisumbuye rwaratanze arenze ayo expertise yariyerekanye n’uru rukiko rukuru rukaba rusanga kuva PRIME ntacyo yabivuzeho bituma rusanga icyemezo cyafashwe mu rubanza rujuririrwa kidakwiriye guhinduka cyaguma uko kiri. 3. Gusuzuma ubujurire bwuririye kubundi niba bufite ishingiro.

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[13] Uhagarariye Mukandamage Anne Marie avuga ko batanze ubujurire bwuririye ku bundi basaba ko Urukiko rwazategeka PRIME INSURANCE gutanga indishyi zingana na 600.000 Frw y’ikurikiranarubanza no gushorwa mu manza z’amaherere hamwe na 1.000.000 Frw y’ibihembo bya Avoka kuri uru rwego. UKO URUKIKO RUBIBONA [14] Urukiko rusanga kuba PRIME yarajuriye ari uburenganzira bwayo idakwiriye kubihanirwa bityo uru rukiko rukaba rusanga amafaranga uhagarariye Mukandamage asaba adakwiriye gutangwa. 4. Gusuzuma ishingiro ryo gusubizwa amafaranga yakoreshejwe mu rubanza. [15] Uhagarariye Prime Insurance Co Ltd ashingiye kw’ihame rivuga ko ikintu cyose cyangirije undi gitegeka nyiri gukora ikosa kuriha ibyangiritse; ishingiye kandi ku ngingo 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, ivuga ko “Ikirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza.”; Irasaba urukiko gutegeka Mukandamage Anne Marie kuyiha indishyi zo gushorwa mu manza ku maherere kuko itigeze na rimwe yanga kubahiriza amasezerano y’ubwumvikane bagiranye, ikaba ibisabira indishyi za 500.000Frw, indishyi z’ikurikiranarubanza za 500.000Frw n’igihembo cya Avoka cya 500.000Frw. [16] Uhagarariye Mukandamage Anne Marie avuga ko PRIME INSURANCE isaba ko ngo yahabwa indishyi zingana na 1.500.000 Frw isobanura mu buryo butandukanye ariko bagasanga nta shingiro zifite kuko ariyo nyirabayazana w’izi manza zose kandi zabayeho kubw’amakosa yatewe n’ikinyabiziga yishingiye nyuma yo kwanga gukora igikwiye ku neza bityo akabariyo igomba kubyirengera. UKO URUKIKO RUBIBONA [17] Urukiko rurasanga PRIME INSURANCE nta mafaranga y’igihembo cy’avoka n’ayikurikiranarubanza kuko kuba imanza zarabaye hari uruhare yabigizemo kuko n’amasezerano yari yemeranyijweho na Mukandamage nta cyo yakoze kugirango ashyirwe mu bikorwa avuga ko Mukandamage atashatse uruhushya rwo gusana ariko urukiko rusanga nta kimenyetso PRIME yabitangiye muri IECMS. Niba byaranakozwe ntibigaragara muri dosiye uretse kubivuga mu magambo gusa. 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 igira iti: “Urega agomba kugaragaza ibimenyetso by’ibyo aregera. Iyo abibuze, uwarezwe aratsinda”. III.ICYEMEZO CY’URUKIKO

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Urukiko rukuru, [18] Rwemeje kwakira ubujurire bwa PRIME INSURANCE rubusuzumye rusanga nta shingiro bufite [19] Rutegetse ko ibyemejwe mu rubanza rujuririrwa bihamyeho bikaba bigomba gushyirwa mu bikorwa. [20] Rutegetse ko ingwate y’amagarama ya 40 000 frw yatanzwe na PRIME INSURANCE ijurira ihwanye n’ibyakozwe.