SONARWA GENERAL INSURANCE COMPANY Ltd v NIYOMUGENGA

# SONARWA GENERAL INSURANCE COMPANY Ltd v NIYOMUGENGA

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-02-07 - Case/document no.: RCA 00038/2023/HC/RSZ - Collection: High Court

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SONARWA GENERAL INSURANCE COMPANY Ltd v NIYOMUGENGA [Rwanda URUKIKO RUKURU - RCA 00038/2023/HC/RSZ (Nduwayo, P.J.) 07 Gashyantare 2023] Amategeko agenga imanza z’imbonezamubano – Imanza z’indishyi zikomoka ku mpanuka zo mu muhanda – Indishyi zitasabwe mu mihango isabwa mbere yo kwiyambaza Urukiko - Kuba mu mihango isabwa mbere yo kwiyambaza Urukiko mu birego bisaba indishyi zikomoka ku mpanuka hari indishyi zitasabwe, nyuma zigasabwa bwa mbere mu Rukiko, ntibyatuma ikirego kizireba kitakirwa kuko izo ndishyi ziba zishamikiye ku kirego cyatanzwe hubahirijwe imihango yategetswe mbere yo kugana urukiko. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yabaye ikozwe n’ikinyabiziga cyari gifte ubwishingizi bwa SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA (SONARWA), muri iyo mpanuka hakomerekeramo Niyomugenga. Uyu yaje kwandikira umwishingizi asaba indishyi ariko ntiyazihabwa atanga ikirego mu Rukiko Rwisumbuye rwa Rusizi asaba indishyi zitandukanye. Urukiko rwemeje ko ahabwa indishyi zinyuranye ariko SONARWA ntiyanyurwa itanga ubujurire mu Rukiko Rukuru ivuga ko Urukiko Rwisumbuye rwagennye ko hatangwa indishyi zitigeze zisabwa mu mihango ibanziriza gutanga ikirego mu Rukiko. Urukiko rwakiriye ubwo bujurire maze rusuzuma ikibazo cyo kumenya niba indishyi z’ibangamira ry’uburambe mu kazi zitari zikwiye gutangwa ku rwego rwa mbere. SONARWA isobanura ko Urukiko rwisumbuye rwa Rusizi rwageneye Niyomugenga indishyi z'ubarambe ku kazi kandi atarigeze azisaba mu bwumvikane, akazisaba bwa mbere mu Rukiko bagasanga binyuranyije n’ingingo ya 3 y'Iteka rya Perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi zikomoka ku mpanuka iteganya ko mbere yo gutanga ikirego mu rukiko usaba indishyi azisaba umwishingizi mu bwumvikane akanamushyikiriza inyandiko zigaragaza ukuri kw'ibyo asaba bityo igasanga ikirego kitari bwakirwe. Niyomugenga we avuga ko nta kosa ryabaye mu kumugenera indishyi atasabye mu mihango ibanziriza gutanga ikirego kuko bitabujijwe gusaba bene izo ndishyi dore ko igitegetswe cyo kubanza kusaba umwishingizi indishyi mu bwumvikane byakozwe umwishingizi akanga gutanga indishyi zasabwe bityo izo ndishyi akaba azirikwiriye kuko zigenwa n’itegeko. Incamake y’ikibazo: Kuba mu mihango isabwa mbere yo kwiyambaza Urukiko mu birego bisaba indishyi zikomoka ku mpanuka hari indishyi zitasabwe, nyuma zigasabwa bwa mbere mu Rukiko, ntibyatuma ikirego kizireba kitakirwa kuko izo ndishyi ziba zishamikiye ku kirego cyatanzwe hubahirijwe imihango yategetswe mbere yo kugana urukiko bityo ibivugwa na SONARWA byo kutakira ikirego kuko indishyi z’ibangamira ry’ubukungu zagenwe zitarigeze zisabwa mu mihango ibanziriza gutanga ikirego, nta shingiro bifite. Ubujurire nta shingiro bufite Amategeko yashingiweho:

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Itegeko N° 41/2001 ryo ku wa 19/09/2001 ryerekeye itangwa ry'indishyi ku bagize impanuka zitewe n'ibinyabiziga, ingingo ya 9; Itegeko N°22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 111; Iteka rya perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku kubabare bw’umubiri butegetse ku mpanuka zitewe n’ibinyabiziga, ingingo ya 3. Nta manza zifashishijwe Urubanza I. IMITERERE Y’URUBANZA: [1] Ku wa 25/01/2022 Niyomugenga Jeanine w’imyaka makumyabiri y’amavuko (20 ans) yakomerekeye mu mpanuka y’imodoka Toyota Minibus Hiace CGO2870AC22 yari itwawe na Tambwe Bugoma Fidèle, iyo mpanuka ikaba yarabereye mu mudugudu wa Makambi, akagari ka Karenge mu murenge wa Rwimbogo mu karere ka Rusizi, iyo mpanuka ikaba yaratewe n’umushoferi w’iyo modoka utarubahirije amabwiriza yo kugenda mu muhanda nkuko byemezwa n’inyandiko mvugo y’impanuka yakozwe n’urwego rubifitiye ububasha maze agonga abanyeshuri bavaga ku ishuri, muribo hakaba harimo Niyomugenga Jeanine wahise ajyanwa kwa muganga biza kumuviramo kugira ubumuga bwa burundu bwa 22% n’ubusembwa k’umubiri bwo kurwego rwa 2/6 nk’uko byemejwe na muganga wa SONARWA GENERAL INSURANCE COMPANY Ltd wakoze contre expertise. [2] Nyuma y’isuzumwa n’umuganga wo kuruhande rw’umwishingizi, Niyomugenga Jeanine yasabye indishyi mu bwumvikane zingana n’amafaranga na 4.526.015 frw zikubiyemo indishyi z’ibangamirabukungu, akababaro, ubusembwa k’umubiri, anasaba amafaranga yakoresheje akurikirana urubanza harimo amafaranga y’ingendo, amafaranga yishyuye yivuza, birangira impande zombi zitabashije kumvikana, bituma Niyomugenga Jeanine aregera Urukiko rwisumbuye rwa Rusizi asaba ko yagenerwa indishyi z’ikomoka kuri iyo mpanuka yagize nk’uko yazisabye mu bwumvikane hiyongereyemo indishyi z’ibangamira ry’uburambe ku kazi anasaba gusubizwa n’amafaranga yishyuye umunyamategeko umuburanira. [3] Mu iburanisha imbere y’Urukiko rwisumbuye, hitabye uregera indishyi ahagarariwe na Me Muhirwa Innocent avuga ko ntakindi yongera kubyo yasabye nk’uko bikubiye mu myanzuro yashyikirije urukiko, naho uregwa SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA ntiyitaba kandi yarahamagajwe muburyo bukurikije amategeko ndetse ikaba itarireguye, urubanza rwayo ruburanishwa idahari. [4] Mu rubanza RC 00114/2022/TGI/RSZ rwaciwe ku wa 06/06/2023 n’urukiko rwisumbuye rwa Rusizi, rwemeje ko ikirego cya Niyomugenga Jeanine gifite ishingiro. Rutegeka SONARWA GENERAL INSURANCE COMPANY LTD guha Niyomugenga Jeanine indishyi zikurikira:  Indishyi mbangamirabukungu zingana na 2,851,200 Frw  Indishyi z’akababaro zingana na 432,000 Frw.

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 Indishyi z’ibangamira ku buranga zingana na 108,000 Frw  Indishyi z’ibangamira ry’uburambe mu kazi zingana na 108,000 Frw Rutegeka kandi ko SONARWA GENERAL INSURANCE COMPANY LTD gusubiza Niyomugenga Jeanine amafaranga yakoreshejwe angana na 180,189 Frw, no gusubiza Niyomugenga Jeanine amafaranga y’u Rwanda ibihumbi 500,000 y’igihembo cya avoka ndetse n’amafaranga ibihumbi 20,000 yatanzeho ingwate y’amagarama arega. Amafaranga yose hamwe SONARWA GENERAL INSURANCE COMPANY LTD igomba guha Niyomugenga Jeanine angana na 4,199,389 Frw. [5] Nyuma yicibwa ry’urubanza, haciwe urubanza rukosora urubanza RS/RECT/RC 00014/2023/TGI/RSZ rukosora amakosa y’imyandikire agaragara mu bika bya 22, 31 na 34 mu rubanza RC 00114/2022/TGI/RSZ rwaciwe ku wa 06/06/2023 kugira rubone uko rurangizwa, maze kuwa 29/06/2023 rwemeza ko iryo kosa rigaragarira mu bika bya (22), (31) na (34) rigomba gukosorwa maze ahanditswe indishyi zingana na 108,000 Frw zigasimbuzwa izingana na 1,080,000 Frw, naho ahanditswe igiteranyo cya 4,199,389 Frw kigasimbuzwa icya 5,171,389 Frw. [6] SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA ntiyishimiye imikirize y’urubanza ijuririra mu Rukiko Rukuru urugereko rwa Rusizi, urubanza ruhabwa No RCA 00038/2023/HC/RSZ, rwaburanishijwe mu mizi kuwa 18/01/2024, SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA ihagarariwe na Me Dushimimana Reuben, naho uregera indishyi muri uru rubanza Niyomugenga Jeanine aburanirwa na Me Muhirwa Innocent. [7] Mu mwanzuro w’ubujurire no mu miburanire, SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA isobanura ubujurire bwayo ivuga ko Niyomugenga Jeanine ko atari kugenerwa indishyi z'uburambe ku kazi kandi ntazo yigeze asaba SONARWA GENERAL INSURANCE COMPANY Ltd mu bwumvikane, ndetse ntiyigeze ashyikiriza inyandiko zijyanye n'izo ndishyi ngo izisuzume maze yange kugira icyo izivugaho, inagaragaza ko atari kugenerwa nanone izo ndishyi nk’umunyeshuri kandi nta kimenyetso yagaragarije Urukiko kerekena ko iyo mpanuka yaba yaratumye acikiriza amashuri. Naho uhagarariye uregera indishyi murubanza avuga ko nta kosa ryakozwe n’urukiko rwisumbuye rumugenera indishyi z’uburambe mu kazi, kuko nta tegeko ribuza ko indishyi zitasabwe mu bwumvikane zidashobora gusabwa mu Rukiko mu gihe umuntu azifiteho uburenganzira ndetse zikaba ziteganywa n’itegeko, anasaba ko mugihe ikirego cyahabwa ishingiro ko bahabwa igihembo cy’avoka n’amafaranga yakoreshejwe y’ikurikiurana rubanza ku rwego rw’ubujurire. [8] Muri uru rubanza harasusumwa ikibazo gikurikira ː -Kumenya niba indishyi z’ibangamira ry’uburambe mu kazi zitari zikwiye gutangwa ku rwego rwa mbere. -Kumenya niba hari amafaranga yasubizwa Niyomugenga Jeanine ku rwego rw’ubujurire II. ISESENGURA RY’IBIBAZO BIRI MU RUBANZA: -Kumenya niba indishyi z’ibangamira ry’uburambe mu kazi zitari zikwiye gutangwa ku rwego rwa mbere.

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[9] Me Dushimimana Reuben uhagarariye SONARWA GENERAL INSURANCE COMPANY Ltd, asobanura ubujure bw’ikigo cy’ubwishingizi aburanira, avuga ko icyo ikigo aburanira cyajuririye ari uko Urukiko rwisumbuye rwa Rusizi rwageneye Niyomugenga Jeanine indishyi z'ubarambe ku kazi kandi atarigeze azisaba mu bwumvikane, akazisaba bwa mbere mu Rukiko bagasanga binyuranyije n’ingingo ya 3 y'Iteka rya Perezida No 31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi zikomoka ku mpanuka iteganya ko " mbere yo gutanga ikirego mu rukiko usaba indishyi azisaba umwishingizi mu bwumvikane akanamushyikiriza inyandiko zigaragaza ukuri kw'ibyo asaba. [10] Me Dushimimana Reuben asoza avuga ko Sonarwa General Insurance Company Ltd aburanira nanone inenga urubanza rwajuririwe ko Urukiko rwategetse indishyi z'uburambe ku kazi yageneye Niyomugenga Jeanine nku munyeshuri nyamara nta kimenyetso rwagaragarijwe kerekena ko iyo mpanuka yaba yaratumye acikiriza amashuri. [11] Me Muhirwa Innocent uburanira uregera indishyi muri uru rubanza, avuga ko indishyi zagenwe n’Urukiko rwisumbuye zirimo indishyi z’ibangamira ry’uburambe ku kazi , aho Sonarwa General Insurance Company Ltd igaragaza ko izo ndishyi zitari kugenwa mu rubanza, avuga ko kuba zaratanzwe nta kosa ryakozwe n’urukiko rugenera Niyomugenga Jeanine indishyi z’uburambe mu kazi, kuko nta tegeko ribuza ko indishyi zitasabwe mu bwumvikane zidashobora gusabwa mu Rukiko mu gihe umuntu azifiteho uburenganzira ndetse zikaba ziteganywa n’itegeko, anavuga ko kuba urukiko nanone rwaramugeneye indishyi z’uburambe mu kazi nk’umunyeshuri nuko nazo ziteganywa n’itegeko, asoza avuga ko ,kuba Sonarwa General Insurance Company Ltd yajuriye itabasha kwerekana ko izo ndishyi zatanzwe zidateganywa n’itegeko ko urukiko rwajuririwe rwakwemeza ko zagumaho. UKO URUKIKO RUBIBONA: [12] Impaka kuri iyi ngingo ishingiye mu kumenya niba mu gihe uwahohotewe n’impanuka asabye indishyi mu bwumvikane, ubwo bwumvikane ntibugerweho agahitamo gutanga ikirego mu rukiko, mu kirego atanze akaregera n’izindi ndishyi atasabye mugihe cy’ubwumvikane ashingiye kubiteganywa n’itegeko, niba izo ndishyi zitasabwe mu bwumvikane byatuma ikirego kizireba kitakirwa n’Urukiko nko kutubahiriza imihango yagenwe mbere yo kwiyambaza inkiko. [13] Kubirebana n’iyi ngingo, harebwa icyo ingingo ya 3 y’iteka rya perezida No 31/01 ryo ku wa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku kubabare bw’umubiri butegetse ku mpanuka zitewe n’ibinyabiziga ivuga ko 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. [14] Urukiko rusanga, icyo iyi ngingo yumvikanisha, ari ugusaba uwahohotewe mbere yo kuregera inkiko asaba indishyi zikomoka kumpanuka yagize, abanza kubahiriza umuhango wo kubanza inzira y’ubwumvikane, atubahiriza iyo nzira ikirego cye nticyakirwe.

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[15] Urukiko rurasanga, muri dosiye hari inyandiko yo ku wa 26/07/2022 yanditswe na Me Muhirwa Innocent mu izina ry’uwahohotewe Niyomugenga Jeanine asaba indishyi mu bwumvikane, iyo nyandiko ikaba yarakiriwe n’umwishingizi w’ikinyabiziga SONARWA GENERAL INSURANCE COMPANY Ltd ku wa 01/08/2022, asaba indishyi zigizwe n’ibi bikurikira: indishyi z’ibangamirabukungu, akababaro, ubusembwa k’umubiri, anasaba amafaranga yakoresheje akurikirana urubanza harimo amafaranga y’ingendo, amafaranga yishyuye yivuza n’amafaranga yaguzwe ibyagombwa birimo inyandiko z’irangamirere. [16] Kubirebana n’uru rubanza, Urukiko rukaba rusanga, hatangwa ikirego mu Rukiko, uwahohotewe n’impanuka yarasabye indishyi z’ibangamira ry’uburambe ku kazi, SONARWA GENERAL INSURANCE COMPANY Ltd ikaba isaba ko izo ndishyi zatanzwe ko zitari zikwiriye gutangwa ko ntazo uwahohotewe yari yasabye mubwumvikane, isaba ko ikirego kubizereba ko kitari kwakirwa imbere y’Urukiko rwisumbuye. [17] Urukiko rusanga, nubwo uwahohotewe n’impanuka Niyomugenga Jeanine ntaho bigaragara ko yari yasabye indishyi z’ibangamira ry’uburambe mu kazi mugihe yasabaga umwishingizi w’ikinyabiziga indishyi mu bwumvikane, ko kuba ntazo yari yasabye, nyamara impande zombi zikaba zitarabashije kumvikana bigatuma uwahohotewe yiyambaza inkiko kugira ahabwe indishyi zikomoka kuri iyo mpanuka, rusanga kuba yarakoze uwo muhango wo gusaba indishyi mu bwumvikane adasabyemo indishyi z’ibangamira ku burambe ku kazi, ko kuba uwo muhango wo gusaba indishyi zikomoka kuri iyo mpanuka yo ku wa 25/01/2022 warakozwe akaba ari nawo uteganywa n’itegeko, kuba hari izindi ndishyi uwahohotewe yari yemerewe n’itegeko atari yasabye mubwumvikane ,agatanga ikirego azisaba nk’uko abiburanisha avuga ko indishyi asaba z’ibangamira ry’uburambe ku kazi yazisabye ashingiye ku biteganywa n’ingingo ya 19 al 4 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 , rusanga ibyo SONARWA GENERAL INSURANCE COMPANY Ltd iburanisha bitahabwa ishingiro, ko bigaragara ko imihango iteganyijwe mbere yo kwiyambaza inkiko yakozwe ko kandi kuba muri uwo muhango hatarasabwe indishyi z’ibangamira ry’uburambe ku kazi, nyuma zigasabwa bwa mbere mu Rukiko bitatuma ikirego kizireba kitakirwa ko izo ndishyi zishamikiye ku kirego cyatanzwe hubahirijwe imihango yategetswe mbere yo kugana urukiko, rero ubusabe bwa SONARWA GENERAL INSURANCE COMPANY Ltd kuri iyo ngingo ikaba ntashingiro ihawe. [18] Urukiko rurasanga nanone, kuba SONARWA GENERAL INSURANCE COMPANY Ltd, yarajuriye isaba ko indishyi z’ibangamira ry’uburambe ku kazi zatanzwe ntashingiro zari guhabwa, ivuga ko Urukiko rwisumbuye ruzigena, ntakimenyetso rwashingiyeho ruzigena kigaragaraza ko uwahohotewe yacikishije amashuri, rusanga ibyo SONARWA GENERAL INSURANCE COMPANY Ltd iburanisha nabyo nta shingiro byahabwa cyane ko, na SONARWA ubwayo idahakana ko uwahohotewe yari umunyeshuri wigaga mu mashuri y’isumbuye, kandi iyo mpanuka ikaba yaramugizeho ingaruka ry’igabanuka ry’ubushobozi bw’umubiri ryo gutekereza no kumva n’iry’ubwenge ryatewe no kumererwa nabi cyane kumubiri biturutse kuri iyo mpanuka nk’uko byemejwe n’abahanga bagaragaje ko iyo mpanuka yamusigiye ubumuga buhoraho bwo kukigero cya 22%. [19] Rukaba rusanga, kuba uwahohotewe yaragize iryo gabanuka ry’ubushobozi bw’umubiri, byongeye igihe yagiraga iyo mpanuka akaba yari mumashuri y’isumbuye kandi na SONARWA GENERAL INSURANCE COMPANY Ltd ikaba idahakana ko ubwo Niyomugenga Jeanine

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yagiraga impanuka uyari umunyeshuri, Urukiko rwajuririwe rukaba ntaho rwahera ruvuga ko uwahohotewe muri uru rubanza atahabwa indishyi z’ibangamira ry’uburambe ku kazi nk’uko yazigenewe n’Urukiko rwisumbuye rwa Rusizi rwazitanze hashingiwe kubiteganywa n’ingingo ya 19 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 yasobanuwe haruguru, rero izo ndishyi z’ibangamira ry’uburambe ku kazi zagenewe Niyomugenga Jeanine zingana na 1,080,000 Frw zikaba zigumyeho, bityo ubujurire bwatanzwe na SONARWA GENERAL INSURANCE COMPANY Ltd bukaba ntashingiro buhawe. Kumenya niba hari amafaranga yasubizwa Niyomugenga Jeanine ku rwego rw’ubujurire. [20] Me Muhirwa Innocent uburanira uregera indishyi muri uru rubanza avuga ko mu gihe urukiko rwajuririwe rwaha ishingiro ukwiregura kwabo maze ubujurire bwatanzwe na SONARWA GENERAL INSURANCE COMPANY Ltd, Urukiko Rukuru, urugereko rwa Rusizi, rwategeka SONARWA GENERAL INSURANCE COMPANY Ltd kwishyura igihembo cy'avoka kingana n’amafaranga 500.000frw, kandi igategekwa no gusubiza amafranga 100.000frw y'ikurikiranarubanza mu rwego rw'ubujurire n’amagarama y’uru rubanza akabahererezwaho ko aribo bashoje uru rubanza. [21] Me Dushimirimana Reuben uhagarariye SONARWA GENERAL INSURANCE COMPANY Ltd, avuga ko asanga amafaranga asabwa n’uregera indishyi ku rwego rw’ubujurire nta shingiro yahabwa, kuko ari uburenganzira bwa SONARWA GENERAL INSURANCE COMPANY Ltd bwo kujuririra icyo itishimiye mu mikirize y’urubanza kandi inenge igaragaza ko ibona zifite ishingiro, bityo rero amafaranga Niyomugenga asaba akaba atayahabwa, urukiko rwabibona ukundi hagatangwa 250.000 frw nk’uko amabwiriza agenga ibihembo mbonera by’avoka abiteganya. UKO URUKIKO RUBIBONA: [22] Ingingo ya 111 y’itegeko N°22/2018 ryo kuwa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko ikirego cy’amafaranga y’ikurikiranarubanza ari 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. Naho ingingo ya 26 y’amabwiriza No 01/2014 agena ibihembo mbonera by’Abavoka iteganya ko Avoka w‟urega wateguye dosiye n‟inyandiko ashobora gusaba igihembo fatizo kiri hagati y‟amafaranga 500.000 n’amafaranga 5.000.000, cyongerwaho, iyo hari imyenda yagarujwe nawe ubwe cyangwa n’intumwa ye, igihembo cyinyongera cyo kwishyuza, kibarwa hakurikijwe ijanisha riteganywa mu gace ka II k‟ingingo ya 23. [23] Urukiko rukaba rusanga, nubwo hari ayo mabwiriza, Urukiko rurebye agaciro k’urubanza rwaburanywe ku rwego rw’ubujurire, uwahohotewe yagenerwa amafaranga y’ikurikirana rubanza habariwemo n’igihembo cy’avoka kingana na 250.000 frw yiyongera kuyategetswe ku rwego rwisumbuye, rero SONARWA GENERAL INSURANCE COMPANY Ltd, akaba ariyo igomba kwishyura ku rwego rw’ubujurire.

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III. ICYEMEZO CY’URUKIKO: [24] Rwemeje ko ubujurire bwatanzwe na SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA, mu izina ry’umuyobozi wayo nta shingiro buhawe. [25] Rwemeje ko urubanza RC 00114/2022/TGI/RSZ rwaciwe ku wa 06/06/2023 n’urukiko rwisumbuye rwa Rusizi rukuzuzwa n’urubanza RS/RECT/RC 00014/2023/TGI/RSZ rwaciwe kuwa 29/06/2023, rudahindutse, ko rugumyeho mu ngingo zarwo zose. [26] Rutegetse SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA, guha Niyomugenga Jeanine indishyi zikurikira:  Indishyi mbangamirabukungu zingana na 2,851,200 Frw  Indishyi z’akababaro zingana na 432,000 Frw.  Indishyi z’ibangamira ku buranga zingana na 108,000 Frw  Indishyi z’ibangamira ry’uburambe mu kazi zingana na 1,080,000 Frw  Amafaranga yakoreshejwe angana na 180,189 Frw.  Igihembo cy’Aboka ku rwego rwa mbere 500.000 frw  Igihembo cy’avoka ku rwego rw’ubujurire 250.000 frw  Ingwate y’amagarama ku rwego rwisumbuye 20.000 frw  Indishyi zose ziteranyijwe: 5.421. 389 frw [27] Rutegetse ko ingwate y’amagarama yatanzwe na SONARWA GENERAL INSURANCE COMPANY Ltd ihagarariye SONAS mu rwego rwa COMESA ingana na 40.000 frw ijurira, iheze mu isanduku ya Leta, ko ihwanye n’imirimo yakozwe muri uru rubanza.