RADIANT INSURANCE COMPANY LTD vs NDAGIJIMANA N’ABANDI

# RADIANT INSURANCE COMPANY LTD vs NDAGIJIMANA N’ABANDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-06-19 - Case/document no.: RCA00071/2022/HC/RWG - Collection: High Court

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RADIANT INSURANCE COMPANY LTD vs NDAGIJIMANA N’ABANDI. [Rwanda URUKIKO RUKURU URUGEREKO RWA RWAMAGANA – RCA00071/2022/HC/RWG (Mugeyo, P.J.) 19 Kamena 2023] Amategeko agenga imanza mbonezamubano – Ubwishingizi – Impanuka –Indishyi mu gihe impanuka yateye urupfu – Abahabwa indishyi – Indishyi z’akababaro – Indishyi z’akababaro ku bana badasangiye se na nyina na nyakwigendara – Mu gutanga indishyi, umwishingizi ntavangura abana yitwaje ko bamwe bavukana na nyakwigendera kuri se na nyina naho abandi bakaba bavukana kuri se gusa. Amategeko agenga imanza mbonezamubano – Ubwishingizi – Impanuka – Indishyi mu gihe impanuka yateye urupfu – Abahabwa indishyi – Indishyi mbangamirabukungu – Indishyi mbangamirabukungu ntizihabwa ababyeyi ba nyakwigendera iyo abazisaba batagaragaje ko bari batunzwe na nyakwigendera. Incamake y’ikibazo: Uru rubanza rwatangiye ababyeyi n’abavandimwe ba Hagenimana batanga ikirego mu Rukiko Rwisumbuye rwa Nyagatare barega Radiant Insurance Company Ltd basaba Urukiko kuyitegeka kwishyura indishyi zitandukanye kubera impanuka yamuhitanye yabaye kuwa 25/09/2021 ubwo yangongwaga n’imodoka MERCEDESS BENZ RAE 334 S RL 3162, ifite ubwishingizi muri Radiant Insurance Company Ltd, bagasaba Umwishingizi indishyi ku bwumvikane bikananirana. Urukiko mu rubanza RC00076/2021/TGI/NYG, rwemeje ko, Manishimwe, Ntezirizaza na Mukandayisenga ko bava inda imwe na Hagenimana bityo bagomba kugenerwa indishyi kimwe n’ abandi bavandimwe be nubwo babyawe n’undi mugore; Urukiko rwemeje kandi ko, ababyeyi ba nyakwigendera bagenerwa indishyi z’ibangamirabukungu n’iz’akababaro, naho abavandimwe be bose bakagenerwa indishyi z’akababaro, abarega banagenerwa igihembo cy’avoka, ay’ikurikirana rubanza n’amafaranga anyuranye yakoreshejwe mu gushyingura nyakwigenderaRadiant insurance Company Ltd ntiyanyuzwe nicyo cyemezo irakijurira mu Rukiko Rukuru urugereko rwa Rwamagana, ivuga ko Urukiko Rwisumbuye rutitaye ku myiregurire yaybo, ko abana Manishimwe, Ntezirizaza na Mukandayisenga bagenewe indishyi nta sano bafitanye na nyakwigendera; ko Urukiko rwagennye indishyi mbangamirabukungu muri uru rubanza nta bimenyetso bigaragaza ko nyakwigendera yari atunze abazisabiwe; ko rwanagennye amafaranga y`ikirenga agomba gusubizwa ku yakoreshejwe mu rupfu rwa nyakwigendera kandi atatangiwe ibimenyetso. Abaregwa bose mu bujurire bavuga ko, Hagenimana yitabye Imana afite imyaka 22, ko rero Urukiko Rwisumbuye rutibeshye mukugena indishyi mbangamirabunkungu muri uru rubanza. Basabye kugenerwa amafaranga y’igihembo cya Avoka mu kirego kiregera kwiregura. Incamake y’icyemezo: 1. Mu gutanga indishyi, umwishingizi ntavangura abana yitwaje ko bamwe bavukana na nyakwigendera kuri se na nyina naho abandi bakaba bavukana kuri se gusa. Bityo, iyo umwishngizi yemera gutanga indishyi kubavukana na nyakwigendera kuri se na nyina akazima abo

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bavukana kuri se gusa yitwaje ko se atabemeye mu buryo amategeko abiteganya aba akoreye abana ivangura kandi nabo bagomba kuzihabwa kuko baba barababajwe n’urupfu rw’umuvandimwe wabo. 2.Indishyi mbangamirabukungu ntizihabwa ababyeyi ba nyakwigendera iyo abazisaba batagragaje ko bari batunzwe na nyakwigendera. 3. Amafarnga yakoreshejwe mu gushyingura nyakwigendera atangwa mu bushishozi bw’Urukiko iyo abayasaba batayagaragariza ibimenyetso. 4. amafaranga y’ikurikirana rubanza n’igihembo cya avoka ntatangwa mu bujurire iyo ikirego cy’ubujurire gifite ishingiro kuri bimwe. Ubujurire bufite ishingiro kuri bimwe. Amategeko yashingiweho: Iteka rya Perezida Nº31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, Ingingo ya 10,21,22 Imanza zifashishijwe: RCAA 00049/14/CS rwaciwe ku wa 25/11/2016 RS/INJUST/RC 00021/2022/SC haburana Mukagatare n’abandi na SANLAM AG Plc rwaciwe n’ Urukiko rw’ Ikirenga kuwa 17/03/2023 Inyandiko z’abahanga Yvonne Lamber-Faivre, Stéphane Porchy-Simon, Droit du dommage corporel, Systèmes d’indemnisation, 8ème édition, 2016, Dalloz, para. 35. Urubanza I. IMITERERE Y’URUBANZA [1] Uru rubanza rukomoka ku mpanuka yabaye ku wa 25/09/2021, mu mudugudu wa Cyarutabira, akagari ka Rubona, umurenge wa Kiziguro mu karere ka Gatsibo, intara y’I Burasirazuba, yatewe n’imodoka TRAILER MERCEDESS BENZ RAE 334 S RL 3162, ifite ubwishingizi muri Radiant insurance Company Ltd, itwawe n’umushoferi witwa Nyabyenda wavaga iKigali yerekeza Kagitumba, igonga Hagenimana wari wicaye hejuru y’igare rihagaze ku ruhande rw’umuhanda, agwa kuri ‘’bordure’’ akomereka mu mutwe agejejwe mu bitaro bya Kiziguro yitaba Imana, abarega ntibumvikana ku ndishyi bituma biyambaza Urukiko. [2] Mu rubanza RC00076/2021/TGI/NYG, abarega mu Rukiko baregeye indishyi zitandukanye zirimo iz’ibangamirabukungu; iz’akababaro, amafaranga atandukanye yatanzwe kwa muganga

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n’ayakoreshejwe mu gushyingura yose hamwe akaba 15.483.571Frw, maze Urukiko ruca urubanza rwemeza ko, Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine bari mu bana ba Ndagijimana Claude kandi bagomba kugenerwa indishyi kimwe n’ abandi bana bagenzi babo; Urukiko rwemeje ko, ababyeyi bagenewe indishyi z’ibangamirabukungu n’iz’akababaro, abana bose nabo bagenerwa indishyi z’akababaro, abarega banagenerwa igihembo cy’avoka, ay’ikurikirana rubanza n’amafaranga anyuranye yakoreshejwe mu gushyingura nyakwigendera, ateye atya, indishyi mbangamirabukungu zingana na 6.740.971 Frw n’izakababaro za 1.620.000Frw; Naho abana bose bagenerwa 4.320.000Frw y’ indishyi z’ akababaro(540.000Frw kuri buri wese); banagenerwa 1.000.000Frw y’igihembo cy’avoka; 400.000Frw y’ikurikirana rubanza; 250.000 yo kugura isanduku; 250.000Frw yo gutwara umurambo; 350.000Frw yo kubaka imva; 200.000Frw y’ingendo; 43.000Frw y’ibyangombwa; 9.600Frw yo kugura dosiye, yose hamwe 13.725.571Frw. Radiant Insurance Company Ltd yarajuriye. [3] Mu mwanzuro w’ ubujurire wa Radiant insurance Company Ltd iburanirwa na Me Ndayisaba Fidèle yavuze ko, Urukiko Rwisumbuye rutitaye ku myiregurire yabo, ko abana Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine bagenewe indishyi nta sano bafitanye na nyakwigendera; ko Urukiko rwagennye indishyi mbangamirabukungu muri uru rubanza nta bimenyetso bigaragaza ko nyakwigendera yari atunzwe abazisabiwe; ko rwanagennye amafaranga y`ikirenga agomba gusubizwa ku yakoreshejwe kubera urupfu rwa nyakwigendera kandi atatangiwe ibimenyetso. Basaba uru Rukiko gukosora ayo makosa yakozwe muri urwo rubanza no kugenerwa amafaranga y’ uRwanda 840.000 akubiyemo igihembo cy’avoka, ay’ ikurikiranarubanza n’ingwate y’ amagarama yatanzwe muri uru rukiko. [4] Abaregwa bose bahagarariwe na Me Shema Deo baburanye bavuga ko, Hagenimana yitabye Imana afite imyaka 22, Itegeko ry’ umurimo rikaba rimwemerera gukora akazi ndetse bikaba bitanyuranyije n’ibiteganywa n’Iteka rya perezida rigena indishyi mu ngingo yaryo ya 18, ndetse muri iryo Iteka n’abakora imirimo mito cyangwa banyakabyizi batibagiranye bakaba bagenerwa 3.000 Frw, ko rero Urukiko Rwisumbuye rutibeshye mukugena indishyi mbangamirabunkungu muri uru rubanza. Yasabye kugenerwa amafaranga y’igihembo cya Avoka kingana n’amafaranga ibihumbi magana atanu mu kirego kiregera kwiregura. [5] Ibigomba gusuzumwa muri uru rubanza : Kumenya niba indishyi Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine baragenewe indishyi badakwiye ; Kumenya indishyi mbagamirabugukungu zagenwe muri uru rubanza mu muburyo bunyuranyije n’amategeko ; Kumenya niba amafaranga yagenwe yo gusubiza ibya koreshejwe ku rupfu rwa nyakwigendera adakwiye. II. ISESENGURA RY’IBIBAZO KIGIZE URUBANZA Ku byerekeye ibisobanuro ku ngingo zigomba gusuzumwa

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[6] Mu bisobanuro ku bujurire bwa Radiant insurance Company Ltd iburanirwa na Me Ndayisaba Fidèle yavuze ko, Urukiko Rwisumbuye rutitaye ku myiregurire yabo, ko abana Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine ntasano bafitanye na Ndagijimana Claude na Uwimbabazi Julienne (babanye nk’umugore n’umugabo batashyingiranywe babyarana abana 4 harimo n’ uwazize impanuka), igiteye urujijo nuko, ku wa 01/01/1998 yabyaranye na ndagijimana Claude nyakwigendera Hagenimana, noneho kuwa 01/01/1999 babayarana uwitwa Mukantibiringirwa, ikindi nuko abana bavindimwe babyawe na Uwimbabazi Julienne aribo bagenerwa indishyi naho abo Ndagijimana yababyaranye n’ abandi bagore bakaba batazihabwa kuko atagaragaza ko yabemeye; [7] Me Ndayisaba Fidèle na none yasobanuye ko,Urukiko rwavuze ko nyakwigendera yari ingaragu kandi akoraga ari gihamya ko yafashaga ababyeyi be, ngo urega akaba atagaragaza ko yari umwana utumvira ababyeyi be, ibi bagasanga bitasobanuye ko, ababyeyi be bahabwa indishyi mbangamirabukungu nk`abari batunzwe na nyakwigendera; umucamanza kandi yagennye amafaranga y`ikirenga kandi atatangiwe ibimenyetso ku byerekeye amafaranga yakoreshejwe ku rupfu rwa nayakwigendera, ibi nabyo RADIANT ikaba isanga bidakwiye kuko amategeko yateganyije uburyo izo ndishyi zitangwamo kandi zitangirwa ibimenyetso. Basabye ko ayo makosa akosorwa bakanagenerwa amafaranga y’ uRwanda 840.000 akubiyemo igihembo cy’avoka, ay’ ikurikiranarubanza n’ingwate y’ amagarama yatanzwe muri uru rukiko. [8] Abaregwa bose bahagarariwe na Me Shema Deo bireguye bavuga ko, Hagenimana yitabye Imana afite imyaka 22, akaba yararengeje imyaka 16 yo gukora nk’uko itegeko ry’ umurimo ribigena kandi bihuje n’ ibigenwa n’ Iteka rya perezida rigena indishyi ryari rigamije igihe ryashyirwagaho , kuko mu ngingo ya 18 yaryo iteganya abagomba guhabwa indishyi mbangamirabukungu, ko ari abari hejuru y’imyaka 16 ndetse bakavuga ko abakora uturimo two murugo cyangwa se utundi turimo bafatwa nka nyakabyizi kandi nyakabyizi akaba abarirwa 3000Frw, ko Urukiko rutibeshye mukugena indishyi mbangamirabunkungu muri uru rubanza. [9] Ku bijyanye n’ibyo Radiant insurance Company Ltd ivuga ko, abana Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine batagombaga kugenerwa indishyi ko nta sano bafitanye na nyakwigendera Me Shema yasobanuye ko, nta shingiro bifite kuko ubwabyo mu gihe bagiye gufata indangamutu (ID) bakandikisha ababyeyi babo, kandi abo babyeyi ntan’umwe ubifiteho ikibazo ari ikimenyetso cy’isano bafitanye. Basabye kugenerwa amafaranga y’ igihembo cya Avoka kingana n’amafaranga ibihumbi magana atanu muri uru rwego. UKO URUKIKO RUBIBONA 1)ku byerekeye kumenya niba Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine abafite uburenganzira ku ndishyi zitangwa muri uru rubanza [10] Ingingo ya 10 y’Iteka rya Perezida Nº31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga iteganya ko, ‘’ iyo uwahohotewe apfuye, abafite uburenganzira ku bye bagomba kugeza ku mwishingizi bidatinze, dosiye yuzuye y'indishyi igizwe n'ibi bikurikira: inyandiko-mvugo irebana n'impanuka yakozwe na polisi; icyemezo cy'uko uwahohotewe yapfuye cyatanzwe n'umuganga wemewe na

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Leta; icyemezo cy'uko uwahohotewe yapfuye cyatanzwe n'umutegetsi ubifitiye ububasha ; ibyemezo by'amavuko by'uwahohotewe n'iby'abamufiteho uburenganzira; icyemezo cy'umwirondoro wuzuye w'uwahohotewe n'uw'abamufiteho ub,urenganzira. Ibyemezo by'uko abafite uburenganzira bariho ; Icyemezo cy'ubushyingiranwe cy'uwo bashyingiranwe ukiriho.’’ [11] Iyi ngingo yumvikanisha ko, ibyo uregera indishyi agomba gushyikiriza umwishingizi w’ ikinyabiziga cyabaye nyirabayazana w’ impanuka yabaye intandaro zo kuvutsa abafite uburenganzira ubwo ari bwo bwose bushingiye ku isano n’uwahohotewe. [12] Mu rubanza RC00076/2021/TGI/NYG Urukiko Rwisumbuye rwa Ngoma mu gace ka [4], havugwa ibi bikurikira : ‘’Urukiko rusuzumye rusanga kuba hari ibyangombwa byatanzwe n’urwego rubifitye ububasha byerekana ko Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine ari bene Ndagijimana Claude ari nawe se wa nyakwigendera, bivuze ko aba ari abavandimwe be. Kuba kandi Radiant Insurance Company Ltd yemera guha indishyi abakomoka kuri Uwimbabazi Julienne wenyine aliko ikanga ko abakomoka kuri Ndagijimana Claude wenyine bahabwa izo ndishyi, ni ukuvangura abana kandi bose bazonzwe n’akababaro bakomora ku rupfu rw’umuvandimwe wabo Hagenimana, kubw’ibyo Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine nabo bakaba bagomba kugenerwa izo ndishyi.’’ [13] Mu bujurire bwa Radiant insurance Company Ltd ikaba itavuguruza ibyo Urukiko Rwisumbuye rwasesenguye uretse kuvuga gusa ngo Ndagimana Claude ntiyabemeye kuko atasezeranye na nyina, ariko ibyo bikaba bitakuraho isano ry’ amaraso bafitanye, kandi Itegeko ritababuza kuregera indishyi z’akababaro kubera kubura umuvandimwe wabo nk’uko iyo ngingo yavuzwe isobanura ahubwo ibyangombwa ufite uburenganzira agomba gushyikiriza uwishingiye, bityo, Urukiko Rwisumbuye rukaba rutaribeshye mu kugenera Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine indishyi kimwe n’abagenzi babo, iyo ngingo rero y’ ubujurire ya Radiant insurance Company Ltd ikaba nta shingiro ifite. 2)Ku byerekeye indishyi mbangamirabukungu zatanzwe mu rubanza RC00076/2021/TGI/NYG [14] Ingingo ya 22. 1 y’Iteka rya Perezida Nº31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo ⁰ kwishyura indishyi ku bubabare bw’umubiri buturutse ku mpanuka zitewe n’ibinyabiziga, iteganya ko, ibangamirabukungu rikorewe abafite uburenganzira bitewe n’urupfu rw’umuntu ritangirwa indishyi hakurikijwe umusaruro uva mu murimo umuntu atahana. […]. Abafite uburenganzira ku buryo bwumvikana ko bari batunzwe n’uwahohotewe, nibo bonyine bashobora guhabwa indishyi, mu rurimi rw’igifaransa iyi ngingo igira iti […] “seuls les ayants-droits justifiants qu’ils étaient à charge de la victime peuvent être indemnisés.’’ [15] Iyi ngingo yumvikanisha ko bidahagije kwerekana ko hari amasano usaba indishyi z’ibangamirabukungu afitanye na nyakwigendera gusa, ko ahubwo agomba no gutanga ibimenyetso byerekana ko yari asanzwe ari mu nshingano ze kumutunga. [16] Mu rubanza RC00076/2021/TGI/NYG mu gika cya [2], Urukiko Rwisumbuye rwa Nyagatare rwavuze ko, kuba Hagenimana yarahitanwe n’impanuka akiri ingaragu kandi yakoraga, ni gihamya ko hari icyo yafashaga ababyeyi be kuko uregwa atagaragaza ko, yari umwana

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utumvira ababyeyi be, ku bijyanye na gihamya y’ibyo yabafashishaga kubisaba byaba ari ukugondoza abo babyeyi kuko iyo umwana afasha ababyeyi ntabwo babimuhera inyemezabwishyu; nyamara ibyo bikaba binyuranyije n’ ibiteganywa n’ ibimaze kuvugwa muri iyo ngingo ko, abafite uburenganzira ku buryo bwumvikana ko bari batunzwe n’uwahohotewe, aribo bonyine bashobora guhabwa indishyi, bivuze ko, kuba Hagenimana yarahitanwe n’impanuka akiri ingaragu bidakwiye kumvikana ko byanze bikunze ariwe wari utunze ababyeyi be kandi nta kibigaragaza cyangwa ko byaba biterwa n’ikindi kibazo cyihariye baba bafite, uburyo busanzwe bwo kubafasha mu rugo bikaba nabyo bitakwitiranywa no kuba ari we warubatunze hakurikijwe iyo ngingo. [17] Na none, ibyo kuba umuntu yagenerwa indishyi mbangamirabukungu ku mubyeyi cyangwa uwo bafitanye isano bisaba ko haba hari ibimenyetso ndashidikanywaho by’uko nyakwigendera yari abatunze bikaba byaratanzweho umurongo n’ Urukiko rw’ Ikirenga mu rubanza RCAA 00049/14/CS rwakijijwe ku wa 25/11/2016, mu gika cya 21, Urukiko rwavuze ko haba hakwiye kugaragazwa ibimenyetso bifatika (urugero rwatanzwe ni impapuro zo kwa muganga zerekana abahabwa ibibatunga bafite ubumuga, bordereau za banki zigaragaza ko yabahaga amafaranga cyangwa ubundi buryo yakoreshaga) Kimwe no mu rubanza RS/INJUST/RC 00021/2022/SC rwaciwe n’Urukiko rw’ Ikirenga kuwa 17/03/2023 mu gika cya [27] na [30], aho rwatanze na none umurongo ko, hagomba kugaragazwa ikimenyetso cy’ impamvu idasanzwe ituma ababyeyi batungwaga n’uwitabyimana basobanuye ko, (…) ko n’ubwo yaba yarabikoraga, byafatwa nk’ubufatanye busanzwe hagati y’abagize umuryango (entraide familiale). (…), usaba indishyi z’ibangamirabukungu agomba gutanga ibimenyetso by’uko hari icyo yatakaje kubera urupfu rwa nyakwigendera, bihura n’ihame ry’uko indishyi zigomba guhura n’igihombo. Ibi byagarutsweho n’abahanga mu mategeko Yvonne Lambert-Faivre na Stéphanie Porchy-Simon, aho bavuga ko ihame ryo gutanga indishyi rihura n’ihame ryo kuriha ibyangiritse byose, ariko byonyine. Bakomeza bavuga ko uwangirijwe atagomba gukirira mu ndishyi, ko ibyo byaba binyuranye n’amahame agenga itangwa ry’indishyi mu gihe umuntu yazihabwa kandi nta gihombo yagize, ariyo mpamvu bavuga ko utaka igihombo wese agomba kugitangira ibimenyetso. (Le principe indemnitaire apporte sa limite au principe de la réparation intégrale : tout le préjudice, mais rien que le préjudice. En effet, la victime ne doit pas s’enrichir à l’occasion de l’indemnisation. Bien entendu, il serait contraire au principe indemnitaire que la victime soit indemnisée pour un préjudice qui n’existe pas: tout préjudice invoqué doit être prouvé. […].1 [18] Bityo, kubera izo mpamvu zose, kuba abaregeye indishyi ntacyo bagaragaje kugeza ubu cyerekana ubufasha nyakwigendera yari atuze ababyeyi be, ntaho Urukiko rwari guhera rubagenera indishyi mbangamirabukungu, bivuze rero ko, urwo rubanza rugomba guhinduka ku byerekeye indishyi mbangamirabukungu, izo ndishyi zatanzwe zikaba zivanyweho. 3)Ku byerekeye izindi ndishyi zatanzwe mu rubanza 1 Yvonne Lamber-Faivre, Stéphane Porchy-Simon, Droit du dommage corporel, Systèmes d’indemnisation, 8ème édition, 2016, Dalloz, para. 35.

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[19] Radiant insurance Company Ltd mu bujurire bwayo na none yavuze ko, indishyi abaregwa bagenewe zirimo: 1.000.000Frw y’igihembo cy’avoka; 400.000Frw y’ikurikirana rubanza; 250.000 yo kugura isanduku; 250.000Frw yo gutwara umurambo; 350.000Frw yo kubaka imva; 200.000Frw y’ingendo na 43.000Frw y’ibyangombwa (….), yatanzwe hashingiwe ku igenekereza kandi ari ikirenga ataranatangiwe ibimenyetso, ko ibyo binyuranyije n’ ibiteganywa n’amategeko; isaba ko, Urukiko rukosora ayo makosa rukagena izikwiye. Yasabye igihembo cya Avoka n`ikurikiranarubanza ku nzego zombi ndetse n’igarama bihwanye na 840.000Frw ; Naho ku kirego kiregera kwiregura cy’ abaregwa kuri uru rwego yavuze ko, kitahabwa ishingiro kuko, ukujurira ari uburenganzira bw’ umuburanyi kugira ngo amakosa yakozwe ku rwego rwa mbere akosorwe. [20] Uhagarariye abaregwa yavuze ko, Radiant insurance Company Ltd yirengagiza kuko idahakana ko, nyakwigendera yajyanywe ku bitaro, kandi yashyinguwe kandi abarega bafite avoka muri uru rubanza, bakaba basanga ubujurire bwabo kuri iyo ngingo nta shingiro bufite. Yasabye mu kirego kiregera kwiregura guhabwa igihembo cya Avoka kingana n’amafaranga 500 000 kuri uru rwego. UKO URUKIKO RUBIBONA [21] Ingingo ya 21 y`Iteka rya Perezida Nº31/01 ryo kuwa 25/8/2003 rishyiraho uburo bwo kwishyura indishyi k`ububabare bw`umubiri buturutse ku mpanuka zitewe n`ibinyabiziga iteganya ko, ‘’ Amafaranga atangwa ku wapfuye hamwe n'ayo gushyirwa mu bitaro yakoreshejwe mbere y'urupfù ndetse hamwe, igihe bibaye ngombwa, n'amafaranga yo gutwara umurambo, yose azishyurwa habanje kwerekanwa ibimenyetso bihamye, hakurikijwe uko biteye mu buryo bwumvikana. Ayo mafaranga azishyurwa abazaba bayatanze, mu rugero rutarenze inshuro cumi umushahara muto ntarengwa wemewe n'amategeko. [22] Iyo ngingo yumvikanisha ko, ibyo umwishingizi agomba kwishyura bijyanye n’urupfu rw’ uwazize impanuka bigomba byibuze kuba bihwanye n’ibyakorehejwe kandi ko bigomba kugaragazwa ko, na none bigomba kuba bigereranyije. [23] Urukiko rero rurasanga nk’uko Radiant insurance Company Ltd ibivuga, kuba abaregeye indishyi muri uru rubanza batabasha kugaragaza ibimeneyetso by’ibyakoreshejwe mu rupfurwa nyakwigendera. wazize impanuka kandi n’amafaranga yagenwe kuri ibyo bikorwa arenze ayo itegeko riteganya, bituma agomba guhinduka, bakayagenerwa mu buryo bukurikira: amafaranga y’uRwanda 500.000 y’igihembo cy’avoka; amafaranga y’uRwanda 50.000 y’ikurikirana rubanza; amafaranga y’uRwanda 100.000 yo kugura isanduku; amafaranga y’uRwanda 50.000 yo gutwara umurambo; amafaranga y’ uRwanda 50.000 yo kubaka imva; amafaranga y’Urwanda 50.000 y’ingendo; amafaranga y’uRwanda 43.000 y’ibyangombwa; amafaranga y’ uRwanda 9.600 yo kugura dosiye n’amafaranga y’u Rwanda 20.000 y‘amagarama y‘uru rubanza ku rwego rwa mbere, agenwe mu bushishozi kuko nubwo abarega batagaragaje ibimenyetso by’ayo bakoresheje nyakwigendera yakorewe imihango nk’iyo abandi barerwa. [24] Naho ku byerekeye indishyi z’ikurikirana rubanza n’igihembo cy’ abavoka zasabwe n’impande zombi kuri uru rwego, Urukiko rurasanga zitagomba gutangwa kuri bose kuko ubujurire bwatanzwe na Radiant insurance Company Ltd bufite ishingiro kuri bimwe.

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III ICYEMEZO CY’URUKIKO [25] Rwemeje kwakira ubujurire bwa Radiant insurance Company Ltd kandi ko bufite ishingiro kuri bimwe ; [26] Rwemeje ko, RC00076/2021/TGI/NYG rwaciwe n’Urukiko Rwisumbuye rwa Nyagatare ku wa 13/10/2022 ruhindutse ku byerekeye indishyi mbangamirabukungu n’amafaranga ajyanye no gushyingura n’igihembo cy’ avoka ; [27] Rwemeje ko, Manishimwe Jean, Ntezirizaza na Mukandayisenga Christine bari mubana ba Ndagijimana Claude bagomba kugenerwa indishyi kimwe n’abandi bana ; [28] Rwemeje ko, nta ndishyi mbangamirabukungu zigomba gutangwa muri uru rubanza ; [29] Rutegetse Radiant insurance Company Ltd guha Ndagijimana Claude , Uwimbabazi Julienne amafaranga y’uRwanda 1.620.000 y’indishyi z’akababaro; amafaranga y’uRwanda 4.320.000 y’ indishyi z’ akababaro ku bana bose(buri wese agahabwa 540.000Frw); amafaranga y’uRwanda 500.000 y’igihembo cy’avoka; amafaranga y’uRwanda 50.000 y’ikurikirana rubanza; amafaranga y’uRwanda 100.000 yo kugura isanduku; amafaranga y’uRwanda 50.000 yo gutwara umurambo; amafaranga y’ uRwanda 50.000 yo kubaka imva; amafaranga y’Urwanda 50.000 y’ingendo; amafaranga y’uRwanda 43.000 y’ibyangombwa; amafaranga y’ uRwanda 9.600 yo kugura dosiye n’amafaranga y’u Rwanda 20.000 y‘amagarama y‘uru rubanza ku rwego rwa mbere yose hamwe akaba miliyoni esheshatu na magana inani na cumi na bibiri na Magana atandatu (6.812.600Frw). [30] Rutegetse ko, amafaranga yatanzweho ingwate y’ amagarama muri uru rubanza ahwanye n’ibyakozwe.