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URUKIKO RUKURU RW’UBUCURUZI RURI I KIGALI KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RWEGO RW’UBUJURIRE, RWACIYE KU WA 27/05/2016 IKI CYEMEZO, MU BURYO BUKURIKIRA:

HABURANA:

UJURIRA:

- SAHAM ASSURANCE RWANDA, LTD, ifite icyicaro mu Kagari ka KIYOVU, Umurenge wa NYARUGENGE, Akarere ka NYARUGENGE, Umujyi wa KIGALI, mu izina ry’uyihagarariye Xxxxxxx XXXX, iburanirwa na Me KIZITO SAFARI na Me MUGEMANGANGO Xxxx Xxxxxxxxxxx.

UREGWA MU BUJURIRE:

- XXXXXXXX Xxxxxx, xxxxx XXXXXXXX Xxxxx na XXXXXXXXXXX Xxxxx, xxxxxxx 1975, utuye mu Mudugudu wa GASHARU, Akagali ka XXXXXXXXXX, Umurenge wa KIMIRONKO, Akarere ka XXXXXX, Umujyi wa KIGALI, aburanirwa na Me Xxxxxxx XXXXXX na Me Xxxx XXXXXXXXX.

IKIBURANWA:

- Kwishyura imodoka RAC 230 B yakoze impanuka (Rwf 15,000,000);

- Indishyi z’akababaro zo kutubahiriza amasezerano za Rwf 5,000,000;

- Igihembo cya Avika Rwf 3,000,000;

- Ikurikiranarubanza Rwf 500,000; Igarama 50,000.

Kujurira imikirize y’urubanza RCOM 1720/15/TGI/Nyge rwaciwe kuwa 26/02/2016 n’Urukiko rw’Ubucuruzi rwa Nyarugenge.

IMITERERE Y’URUBANZA

[1] XXXXXXXX Xxxxxx xxxxxx SAHAM ASSURANCE RWANDA, LTD, ikitwa CORAR AG, LTD mu Rukiko rw’Ubucuruzi rwa Nyarugenge, kutamwishyura imodoka ye yakoze impanuka kandi yari yishingiwe na CORAR AG, LTD, anaregera indishyi n’amafaranga y’ikurikiranarubanza.

[2] Urwo Rukiko, rwaburanishije impande zombi, rwanzura ko ikirego cya XXXXXXXX Xxxxxx gifite ishingiro, rutegeka CORAR AG, LTD kumwishyura agaciro k’imodoka xxxxxx xxxxxxxx, ubukode bw’imodoka yagize n’indishyi, hamwe n’amafaranga y’ikurikiranarubanza.

[3] CORAR AG, LTD, yahindutse SAHAM ASSURANCE RWANDA, LTD, ntiyishimiye iyo mikiririze, iyijuririra uru Rukiko, ku mpamvu z’uko Urukiko rubanza rwanze gutegeka ko hakorwa “contre-expertise”, rutegeka kwishyura agaciro k’imodoka kandi yashoboraga gusanwa, runategeka agaciro karenze ako yari igejejeho ikora impanuka, kuba mu kugena indishyi rwirengagije imiterere y’ubwishingizi “tous risques”, runategeka indishyi zidashingiye ku bimenyetso.

[4] Ibyo uru Rukiko rusuzuma muri ubu bujurire, runafateho icyemezo, ni ukumenya niba hagombaga gukorwa “contre-expertise” y’impamvu y’impanuka; niba hagombaga kwishyurwa agaciro k’imodoka cyangwa kuyisana; niba agaciro k’imodoka kemejwe xxxxxxx xxxxxxx yari ifite igihe cy’impanuka; kumenya niba ibyishyujwe SAHAM ASSURANCE RWANDA, LTD byishyurwa mu bwishingizi bwa “tous risques”; no kumenya niba indishyi zemejwe, zifite ishingiro.

ISESENGURA RY’IBIBAZO BIRI MU RUBANZA

A) Kumenya niba hagombaga gukorwa “contre-expertise” y’impamvu y’impanuka.

[5] SAHAM ASSURANCE RWANDA, LTD isobanura muri iyi mpamvu yayo y’ubujurire, xx Xxxxxx xxxxxxxxxxxxx impanuka muri CORAR yavuze ko ngo imodoka yari iparitse ikamanuka nta mu chauffeur urimo, ikagenda ikagwa munsi y’umuhanda naho Inyandiko-Mvugo yakozwe na Polisi ikavuga ko yasize adashizemo fereyamu (freins à main) neza ikaza kubaranguka, mu gihe umuhanga wa SAHAM yarerekanye ko ibyo bitashoboka ukurikije xxx bavuga ko imodoka yari iparitse. SAHAM ASSURANCE RWANDA, LTD isanga rero ko Urukiko rubanza rwari gukemuza izi mpaka na “expertise”, ariko rwanga kubikora kandi rwarabisabwe na SAHAM ASSURANCE RWANDA, LTD.

[6] XXXXXXXX Xxxxxx xxxxxxxx kuri iyi mpamvu, avuga ko icyateye impanuka cyagaragajwe na Procès-Verbal de Synthèse Accident de roulage, ko ari “uburangare bwa XXXXXXXX Xxxxxx wari waparitse iyo modoka kuko atashyizemo neza freins à main, akayizamura igice bikayiviramo kugenda byongeye hari hacuramye”; XXXXXXXX Xxxxxx xxxxxxxx iyi mpamvu yagaragajwe n’umuyobozi ubishinzwe kandi ubifitiye ububasha; ko rero inyandiko SAHAM ASSURANCE RWANDA, LTD ivuga ko ari iy’umuhanga wayo, nta kuri kurimo, ntaho ihuriye n’impanuka yabaye kandi n’uwayikoze, xxxx xxx umukozi wa SAHAM ASSURANCE RWANDA, LTD, nta kindi yari kuvuga uretse gushaka icyarengera umukoresha we. Asanga na none, gusaba ko hakorwa “contre-expertise” nta shingiro yabyo kuko ntacyo yaba igamije mugihe hari inyandiko mvaho igaragaza icyateye iyo mpanuka.

UKO URUKIKO RUBIBONA

[7] Rushingiye ku bisabwa na SAHAM ASSURANCE RWANDA, LTD muri iyi mpamvu yayo y’ubujurire, no ku myiregurire ya XXXXXXXX Xxxxxx; rushingiye kuba ntacyo SAHAM ASSURANCE RWANDA, LTD irugaragariza nk’inenge ry’inyandiko-mvugo y’impanuka yakozwe n’ishami rya Polisi y’Igihugu rishinzwe umutekano mu mihanda, uretse kuba gusa ko umuhanga wa SAHAM yakoze raporo itandukanye n’iya Polisi; runashingiye kuba ingingo ya 76 na 77 z’Itegeko nº 15/2004 ryo kuwa 12/06/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo, ziteganya ko “Ubuhamya bw’abahanga ni ubugamije guha urukiko ibisobanuro bishingiye ku bumenyi kimwe n’umwanzuro urenze ubumenyi busanzwe bw’umucamanza mu xxxx xx bitewe n’uko ibiburanwa bishingiye ku buhanga bwihariye.” (76) Xxxxx xx “Kugira ngo Urukiko ruce urubanza rwaregewe rushobora, gutegeka umuhanga cyangwa abahanga gusuzuma no gutanga ibitekerezo ku bintu bifitanye isano n’urwo rubanza kandi bijyanye n’umwuga wabo.”

[8] Rusanga nta mpamvu Urukiko rubanza rwagaragarijwe, ituma rukenera ubuhanga busumbye inyandiko-mvugo y’urwego rushinzwe kugenzura uko impanuka yagenze, hamwe n’imvugo y’uwakoze impanuka, ku mpamvu zateye iyo mpanuka, nubwo byari bitandukanye n’iby’umukozi wa SAHAM ASSURANCE RWANDA, LTD (nk’uko ibyivugira mu myanzuro yayo yiyongera ku rubanza, kuri (a)5.). Rusanga kandi urubanza SAHAM ASSURANCE RWANDA, LTD ishingiraho isaba « expertise », rutandukanye n’uru, kuko nk’uko ibisobanura, muri urwo rubanza (RCOMA 0128/13/HCC) harimo raporo ebyiri z’inzego zishinzwe kugenzura iby’impanuka, zivuguruzanya, arizo PV de synthèse d’accident ya Polisi na raporo ya Inspecteur des sinistres ; mu gihe muri uru rubanza, uwohererejwe na SAHAM ASSURANCE RWANDA, LTD avuguruzanya n’uwakoze impanuka, bagakizwa na raporo ya Polisi.

B) Kumenya niba hagombaga kwishyurwa agaciro k’imodoka cyangwa kuyisana.

[9] SAHAM ASSURANCE RWANDA, LTD ishingira ku biteganwa n’ingingo ya 27 y'itegeko-teka nimero 20/75 ryo kuwa 20 Kamena 1975 ryerekeye ubwishingire, n’ingingo ya 44 y'ingingo rusange z'amasezerano y'ubwishingizi bw'ibinyabiziga bigenzwa na moteri ku butaka ya CORAR; ivuga ko Urukiko rwayitegetse kwishyura agaciro k’imodoka karenze ako yari igejejeho igihe yakoraga impanuka kuko rwayitegetse kwishyura Rwf 15,000,000 zihwanye n'agaciro kishingiwe (valeur assurée), nyamara n'iyo bibaye ngombwa kwishyura agaciro, umwishingizi yishyura gusa agaciro ikinyabiziga gifite ku munsi cyakoreyeho impanuka. SAHAM ikemeza ko imodoka

ya Xxxxxx xxxxx ifite ako gaciro kemejwe ku munsi kuwa 02/10/2014, xxxx xxxxx yayo.

[10] XXXXXXXX Xxxxxx xxxxxxxx kuri iyi mpamvu y’ubujurire, ashingiye ku biteganwa n’ingingo ya 64 y’Itegeko no 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano rivuga ko amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye. xxxxx xx agomba kubahirizwa nta buriganya; xxxxxxxx xxxxxxx ka Rwf

15.000.000 k'imodoka ni akagaragazwa na contrat d'assurance yo kuwa 21/03/2014, kandi na none ko SAHAM ASSURANCE RWANDA, LTD itigeze igira impaka kuri ako gaciro mu iburanisha ry’ururbanza ijuririra, uretse guhakana gusa responsabilité yayo. Asoza iyi myiregurire, avuga ko amasezerano bagiranye niyo akemura impaka ku bayagiranye xxxxx xxxxx n'itegeko kuri bo.

UKO URUKIKO RUBIBONA

[11] Rushingiye kuba ingingo ya 44 y'ingingo rusange z'amasezerano y'ubwishingizi bw'ibinyabiziga bigenzwa na moteri ku butaka ya CORAR, iteganya ko SAHAM ASSURANCE RWANDA, LTD idakwiye kwishyuzwa agaciro karenze ako imodoka yari ifite igihe yakoze impanuka, no kuba ingingo ya 27 y'itegeko-teka nº 20/75 ryo kuwa 20 Kamena 1975 ryerekeye ubwishingire, iteganya ko « Ubwishingire bw’ibintu ni amasezerano y’indishyi. Umubare w’indishyi ntushobora na rimwe gusumba agaciro k’ikintu cyishingiwe ku munsi icyago kibereyeho. » Runashingiye ku biteganwa n’ingingo ya 64 y’Itegeko nº 45/2011 ryo kuwa 25/11/2011, igena ko “Amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye. Ashobora guseswa xxx xxx babyumvikanyeho cyangwa ku mpamvu zemewe n'amategeko. Agomba kubahirizwa nta buriganya.” No kuba mu masezerano y’abab baburanyi, yo kuwa 21/03/2014, hemejwe ko ni haba impanuka, nyira ikinyabiziga agomba guhita abimenyesha inzego za Polisi zishinzwe umutekano mu muhanda, kugira ngo zikore inyandiko- mvugo y’uko impanuka yabaye;

[12] Rusanga kuba XXXXXXXX Xxxxxx xxxxxx xxxx yasabwaga n’amasezerano bagiranye, amenyesha umwishingizi we, xxxxx xxx, xxxxx xxxxxxx impamvu zateye iyo mpanuka (xxxx ibaruwa ya CORAR, yo kuwa 15/12/2014), uko zemejwe na Polisi, bituma hakurikira impaka ndende, ku buryo iyo modoka yakoze impanuka itakorewe igenzurwa icyo gihe kugira ngo hamenyekane mu buryo budashidikanwaho agaciro yari ifite icyo gihe cy’impanuka; SAHAM ASSURANCE RWANDA, LTD ntiyakwitwaza ayo makosa ngo inenge icyemezo cy’Urukiko rubanza cyagendeye ku gaciro iyo modoka yahawe mu masezerano y’ubwishingizi.

[13] Rusanga nk’uko bigenwa n’ihame ry’amategeko “Nemo auditur suam turpitudinem allegans.” Ntabwo SAHAM ASSURANCE RWANDA, LTD yakwitwaza kuba yanze kugoboka uwo yishingiye, igihe hagombaga kugenzurwa imodoka, kugira ngo atishyurwa agaciro k’imodoka kemejwe mu masezerano yo kuwa 21/03/2014, impanuka iba kuwa 02/10/2014, cyane ko ntahandi Urukiko rwari kugenzurira ako gaciro; nta nubwo yireguye isaba ko iyo modoka yakoze impanuka xxxxxx, xxxxxx xxx xxxxxxxxxxx nibya byashobokaga. Ubu hakaba hashize imyaka irenga ibiri. Rusanga kandi, iri sesengura risubiza impamvu y’ubujurire ya SAHAMA ASSURANCE RWANDA, LTD, irebana n’agaciro k’imodoka kemejwe, ivuga ko xxxxxxx xxxxxxx yari ifite igihe cy’impanuka, kandi nyamara ako gaciro k’igihe cy’impanuka katigeze kamenyekana.

C) Kumenya niba ibyishyujwe SAHAM ASSURANCE RWANDA, LTD byishyurwa mu bwishingizi bwa “tous risques”.

[14] Muri iyi mpamvu yayo y’ubujurire, SAHAM ASSURANCE RWANDA, LTD isobanura ko Urukiko rubanza, mu kuyitegeka kwishyura agaciro k'ikinyabiziga, rwaritiranyije "assurance de dommages" na "assurance de reponsabilité" maze rugenera XXXXXXXX Xxxxxx xxxxxx bw'indishyi zisanzwe zigenerwa uwatejwe ibyago n'ikinyabiziga gifite "assurance de responsabilité", cyane ko we ubwe ari we responsable w'impanuka ntiyahindukira ngo afatwe nka victime wayo hanyuma anasabe indishyi zigenerwa abakorewe impanuka kuri dommages materiels. SAHAM ASSURANCE RWANDA, LTD isanga icyo XXXXXXXX Xxxxxx xxxxxxxxx kugenerwa ni ugusanirwa cyangwa guhabwa agaciro k'ikinyabiziga.

[15] SAHAM ASSURANCE RWANDA, LTD inasanga ko Urukiko rubanza rutagombaga kugena izindi ndishyi zitari ugusana ikinyabiziga cyangwa gutanga agaciro kacyo, rukaba rwarabirenzeho rwemeza ko XXXXXXXX Xxxxxx Xxxxxx agenerwa Rwf 30,000 ku munsi uhereye igihe avuga ko yakodesheje indi modoka. Na none uretse no kuba izi ndishyi ari umurengera, urwo Rukiko rukaba rutiigeze rugaragarizwa ibimenyetso (conclusive evidence) by’xxx xxx xxxxxxxxx yishyuwe koko. SAHAM ikaba rero isaba uru Rukiko gukora iperereza kuri iki kibazo kuko ubu bukode butarishyuwe mu by'ukuri.

[16] XXXXXXXX Xxxxxx xxxxxxxx asobanura ko indishyi zasabwe n’izishingiye ku kutagoboka XXXXXXXX Xxxxxx xxxxx byari biteganyijwe, bikamuteza igihombo n’ibibazo bitari ngombwa; ko uko kwanga kumugoboka byabyaye Responsabilité ebyiri: responsabilité nk’umwishingizi yo kumugoboka abisabye Urukiko, na responsabilité civile ikomoka kw’ikosa ryo kwanga gukora inshingano bigatera ikibazo urundi ruhande.

[16] XXXXXXXX Xxxxxx xxxxxxx avuga ko Ibimenyetso yashyikirije Urukiko rubanza, bigaragaza ko yakoranye amasezerano y’ubukode bw’imodoka na NDIKURIYO Innocent guhera kuwa 01/11/2014, akaba yaratanze ama resi “reçus” y’amafaranga yishyuwe, ko rero akaba atumva ibimenyetso SAHAM ASSURANCE RWANDA, LTD yifuza birenze ibyo bituma ivuga n’ingingo zidafite xxx zihuriye n’ikibazo.

UKO URUKIKO RUBIBONA

[17] Rushingiye ku bisobanuro bitangwa n’impande zombi ziri kuburana, rushingiye ku nshingano SAHAM ASSURANCE RWANDA, LTD itakoze uko zigaragaye mu isesengura ry’impamvu zibanziriza iyi; rusanga byumvikana ko umwishingizi yari afite inshingano zishingiye ku masezerano y’ubwishingizi, zirebana na “assurance de dommages”, arizo zo kugoboka uwishingiwe mu gihe habayeho ibyateganijwe muri ayo masezerano. Rusanga aribyo Urukiko rubanza rwashingiyeho, rutegeka umwishingizi kwishyura agaciro k’omodoka, uko byasobanuwe haruguru. Rusanga ariko na none, uko kutubahiriza inshingano zayo, kwa SAHAM ASSURANCE RWANDA, LTD, byagize ingaruka zitari ziteganijwe muri xxx xxxxxxxxxx, ingaruka zabaye ku wishingiwe, kandi ingaruka zimara igihe kirekire; ntacyabuzaga Urukiko rubanza kwishyuza indishyi uwagize uruhare kuri izo ngaruka.

[18] Uru Rukiko rusanga kuba XXXXXXXX Xxxxxx xxxxxxxxxx xxxxxxxxxxx y’ubukode bw’imodoka hamwe n’ibimenyetso by’ubwishyu, ntacyo rwashingiraho rutemeza ko yasubizwa ayo mafaranga yatanze, bitewe n’amakosa y’umwishingizi we, wari wanze kumugoboka uko byasobanuwe haruguru. Rusanga ugushidikanya kwa SAHAM ASSURANCE RWANDA, LTD kuko ayo mafaranga y’ubukode, atari impamvu yo kutyatesha agaciro.

D) Kumenya niba indishyi zemejwe, zifite ishingiro.

[19] SAHAM ASSURANCE RWANDA, LTD isobanura iyi mpamvu yayo, ivuga ko Urukiko rubanza rwayitegetse guha XXXXXXXX Xxxxxx xxxxxxxx z’akababaro za Rwf 1,000,000 na Rwf 800,000 y’igihembo cya avoka nyamara nta bimenyetso yabitangiye nk’uko narwo rwabyivugiye mu gika cya 10 cy’urubanza. SAHAM ASSURANCE RWANDA, LTD ikaba isanga Urukiko ruburanisha rushingiye ku bimenyetso n'amategeko, bikaba bitumvikana ukuntu rutanga indishyi zidafitiwe ikimenyetso na mba.

[20] XXXXXXXX Xxxxxx xxxxxxxx avuga ko nta kosa Urukiko rubanza rwakoze mu kugena indishyi n’igihembo cya avoka kuko umucamaza yazigenye mu bushishozi bwe kandi atarengereye, agendeye ku kuba uwijeje undi gukora ikintu ataragikora kandi uwo wizeye ari mu kaga gakomeye; XXXXXXXX Xxxxxx xxxxxxx ko ku bijyanye n’igihembo

cya avoka SAHAM ASSURANCE RWANDA, LTD iri kwigiza nkana kuko nta butumwa bagaragaza ko twe ababuranira Xxxxxx XXXXXXXX ko tumuburanira ku buntu; Igihembo cya Avoka kikaba giteganywa n’amategeko.

UKO URUKIKO RUBIBONA

[21] Uru Rukiko rusanga nk’uko biteganijwe mu ngingo ya 258 y’Igitabo cya gatatu cy’urwunge rw’amategeko mbonezamubano, “Igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse.” Runashingiye kuba ingingo ya 26 y’ Amabwiriza nº 01/2014 agenga ibihembo mbonera by’Abavoka, bikagena ko “Avoka w’uregwa agena ibihembo bye akurikije agaciro k’ikiburanwa, ingorane ziri mu rubanza, hamwe n’ibyo agomba kubanza gukora byose, ndetse n’ingaruka z’icyemezo cyafashwe; xxxxx xxxxxxxx xxxxxxxx munsi y’amafaranga 500.000 kandi ntikirenge amafaranga 3.000.000. Iyo habaye ubujurire, avoka w’urega n’uw’uregwa bashobora gusaba kimwe cya xxxxxx xx’igihembo cyumvikanyweho ku rwego rwa mbere.” Rusanga kuba Urukiko rubanza rwari rumaze kubona uruhare rwa SAHAM ASSURANCE RWANDA, LTD mucyo XXXXXXXX Xxxxxx xxxxxxxx, ibyo byari bihagije kugira ngo rumugenere indishyi, runashingiye ku biteganwa n’amategeko, kimwe no kumugenera igihembo cya Avoka.

[22] Rusanga ariko indishyi z’akababaro XXXXXXXX Xxxxxx xxxxxxxx, zikwiye koko kugabanwa, hashingiwe ariko ku kuba yagenewe mu buryo bukwiye agaciro k’imodoka, ndetse n’ibyo yatakaje igihe atari afite imodoka ye, akodesha indi; bityo nubwo byose byatewe n’amakosa y’umwishingizi we, yagenerwa Rwf 250,000 mu bushishozi n’ubwitonzi bw’Urukiko.

ICYEMEZO CY’URUKIKO:

[23] Xxxxxxx Xxxxxx rw’Ubucuruzi:

- Rwemeye kwakira ubujurire bwatanze na SAHAM ASSURANCE RWANDA, LTD, kuko bwatanzwe mu buryo bwubahirije amategeko, rubusuzumye, rusanga bufite ishingiro kuri bimwe.

- Rwemeje ko imikirize y’urubanza rwajuririwe, RCOM 1720/15/TC/Nyge, rwaciwe n’Urukiko rw’Ubucuruzi rwa Nyarugenge, kuwa 26/02/2015, ihindutse gusa ku ndishyi z’akababaro zagenewe XXXXXXXX Xxxxxx.

- Rukijije ko SAHAM ASSURANCE RWANDA, LTD, igomba guha XXXXXXXX Xxxxxx xxxxxxxx x’xxxxxxxxx za Rwf 250,000, hejuru y’agaciro k’imodoka kagenwe n’Urukiko rubanza, hamwe n’amafaranga yakodesheje indi modoka n’igihembo cy’aba

Avocats, uko byagenwe n’Urukiko rubanza ; xxxx xxxxx, akaba Rwf 30,270,000.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME MU RUKIKO RUKURU RW’UBUCURUZI, NONE KU WA 27/05/2016 BIKOZWE N’UMUCAMANZA KIBUKA M. Xxxx-Xxx XXXXXXXXX N’UMWANDITSI

KANANGIRWA Epiphanie.

N-B : uru rubanza ntirwasomwe kuwa 20/05/2015 bitewe n’uko umucamanza yararwaye, rwimurirwa none, muri gahunda nshya y’isomwa nyuma yo gukira k’umucamanza.

UMWANDITSI

KANANGIRWA Epiphanie

Sé

UMUCAMANZA

XXXXXX Xxxx-Xxx

Sé

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