Contract

URUKIKO RUKURU RW’UBUCURUZI, RURI I KIGALI KU KICARO CYARWO, RUHABURANISHIRIZA IMANZA Z’UBUCURUZI MU RWEGO RW’UBUJURIRE, RUHAKIRIJE NONE KUWA 21/03/2016 URU RUBANZA MU BURYO BUKURIKIRA:

----------------------------------------------------------------------------------------------------------------- HABURANA:

UREGA: Xxxxxxxxxxxxx Come, mwene Kanyandugu Servilien na Mukamurara Dancille, utuye mu mudugudu wa Mont Cyangugu, akagari ka Cyangugu, umurenge wa Kamembe, akarere ka Rusizi, intara y’ I burengerazuba.

Radiant Insurance Company Ltd, XX 00 xxxxxx 0, xx xxxxx ry’umuyobozi wayo.

UREGWA: Radiant Insurance Company Ltd, XX 00 xxxxxx 0, xx xxxxx xx’umuyobozi wayo.

Xxxxxxxxxxxxx Come, mwene Kanyandugu Servilien na Mukamurara Dancille, utuye mu mudugudu wa Mont Cyangugu, akagari ka Cyangugu, umurenge wa Kamembe, akarere ka Rusizi, intara y’ I burengerazuba.

IKIBURANWA: Indishyi zitandukanye zingana na 16.721.717 frw zikomoka ku mpanuka ebyiri, imwe yabaye kuwa 07/02/2015 indi kuwa 20/07/2015 hakubiyemo igihembo cy’avoka n’ikurikirana rubanza.

IMITERERE Y’URUBANZA

[1] Xxxxxxxxxxxxx Come yareze Radiant Insurance Company Ltd mu Rukiko rw’Ubucuruzi rwa Nyarugenge, avuga ko bagiranye amasezerano y’ubwishingizi bw’imodoka ye, iza gukora impanuka arayiyimenyesha, Radiant imubwira ko izayisana kandi ibyangiritse ku modoka bisaba gusimburwa, ariko iyi ntiyabyemera bituma ayirega mu rukiko asaba indishyi zitandukanye. Radiant yavuze ko yemera ayo masezerano y’ubwishingizi n’uko imodoka yakoze impanuka, ko ariko bidasaba gusimbura ibyuma ahubwo byasanwa, ko itemera raporo y’abahanga, ndetse n’ingano y’indishyi asaba.

[2] Mu rubanza rujuririrwa, urukiko rwategetse Radiant Insurance Company kwishyura Xxxxxxxxxxxxx Come 10.405.242 frw y’indishyi agizwe na: 4.750.242 frw yo gukoresha imodoka; 4.050.000 frw y’indishyi z’ubukode bw’imodoka isimbura iye itarakoraga (indemnities de chomage), 405.000 frw yo gucunga imodoka, 10.000 frw ya controle technique, 300.000 frw y’indishyi z’akababaro,

890.000 frw y’ikurikirana rubanza n’igihembo cy’avoka. Rwategetse ko mu gihe Radiant Insurance Company Ltd itubahirije ibyo itegetswe kwishyura, yakwishyura igihano kiyihatira kwishyura cya 20.000 frw kuri buri munsi w’ubukererwe kuva urubanza rubaye ndakuka. Rwategetse irangiza rubanza

ry’agateganyo kuri 889.956 frw Radiant yemera, ikanamusubiza 50.000 frw y’ingwate y’amagarama.

[3] Xxxxxxxxxxxxx Come ndetse na Radiant Insurance Company Ltd bombi ntibishimiye iyi mikirize, bajuririra uru Rukiko. Xxxxxxxxxxxxx Come yajuririye ku mpamvu y’indishyi zitandukanye yasabye ko yahabwa atishimiye, ndetse no ku irangiza rubanza ry’agateganyo yahawe. Radiant Insurance Company Ltd yo yajuriye ku mpamvu y’uko urukiko rwavuze ko impande zombie zumvikanye ku ba experts batatu kandi Atari byo; ku mpamvu y’uko urukiko rwatanze indishyi z’akababaro, indishyi z’ubukode bw’imodoka ndetse n’amafaranga y’ikurikirana rubanza. Muri uru rubanza, uru Rukiko rugiye gusuzuma niba indishyi zitandukanye zatanzwe zari zikwiye koko ndetse runasuzume niba impande zombie zarumvikanye ku ba experts, runasuzume niba irangiza rubanza Xxxxxxxxxxxxx yahawe ryari rikurikije amategeko.

ISESENGURA RY’URUBANZA

1. Ese indishyi zahawe Xxxxxxxxxxxxx Come zari zikwiye?

[4] Xxxxxxxxxxxxx Come yajuririye uru rubanza, avuga ko atashimishijwe n’indishyi zitandukanye yagenewe, zirimo indishyi z’akababaro, iz’ubukode bw’imodoka, indishyi zo gucumga imodoka, indishyi za controle technique, indishyi z’igihano gihatira kwishyura kuri buri munsi w’ubukererwe, n’indishyi z’ikurikirana rubanza n’igihembo cy’avoka.

a. Ku ndishyi z’akababaro

[5] Xxxxxxxxxxxxx Come avuga ko indishyi yagenewe ari nke cyane agereranyije n’ingorane n’imihangayiko yagize ikagera no ku muryango we, kuko kuva xxx imodoka yakoreye impanuka ikomeye kuwa 20/02/2015, byahinduye imibereho yabo. Avuga ko ubukode bw’indi modoka akoresha mu kazi bihungabanya bidasubirwaho imibereho yabo kuko ari igikorwa kitari mu igena migambi ryawo. Ko kuvuga ko atazitangiye ikimenyetso, ko bidashoboka kuzitangira ikimenyetso nk’agahinda, akababaro, ko ariko nko gusiragizwa ibimenyetso bibigaragaza byatanzwe, kandi Radiant ikaba itarabivuguruje. Avuga ko asaba ko yagenerwa

2.000.000 frw kuko imyitwarire ya Radiant irimo guhimana n’agasuzuguro gakomeye. Ko ikibazo atari ubwinshi bw’amafaranga ahubwo ari ingaruka zikomeye zikomoka ku makosa ya Radiant Insurance Company Ltd.

[6] Radiant Insurance Company Ltd yo ivuga kona 300.000 frw urukiko rwamugeneye atagombaga kuyabona kuko binyuranye n’ibiteganywa n’ingingo ya 143 y’itegeko rigenga amasezerano. Ko uru Rukiko rutagomba kuyamugenera kuko abujijwe n’itegeko.

[7] Ingingo ya 143 y’itegeko rigenga amasezerano iteganya ko: “ Nta ndishyi zituruka ku ihungabana zishobora gutangwa, keretse gusa iyo kwica amasezerano byateye ubusembwa ku mubiri cyangwa amasezerano uko ateye cyangwa uburyo yishwe ari byo byateye xxxx xxxxxxxxx.” Xxxx Xxxxxxxxxxxxx

Come yari afitanye na Radiant Insurance Company Ltd amasezerano y’ubwishingizi bw’imodoka ye, Radiant ikaba itarayimukoreshereje igihe yakoraga impanuka kandi ari yo ifite izo nshingano zo kuyikoresha, bigaragara ko Radaiant Insurance Company Ltd itubahirije ibiteganywa n’iyo ngingo ya 143 ivuzwe haruguru xxx igira iti: “ …cyangwa uburyo yishwe ari byo byateye xxxx xxxxxxxxx.” Uru Rukiko rero rurasanga izo ndishyi z’akababaro zari ngombwa kuzitanga, kuko nk’xxx Xxxxxxxxxxxxx Come abivuga, amakosa ya Radiant yo kudakoresha imodoka bifite icyo byahungabanijeho Xxxxxxxxxxxxx n’umuryango we. Kuba xxxxx Xxxxxxxxxxxxx xxxxx ko yagenerwa 2.000.000 frw y’izo ndishyi z’akababaro, uru Rukiko rurasanga na we ubwe yivugira mu mwanzuro we ko ikibazo Atari ubwinshi bw’amafaranga, ahubwo ari ingaruka zikomeye zikomoka ku makosa ya Radiant Insurance Company. Niba na we abona ikibazo Atari ubwinshi bw’amafaranga agomba guhabwa, nta mpamvu rero yatuma asaba mu bujurire ko indishyi yahawe ku rwego rwa mbere zakongerwa mu gihe na we avuga ko ikibazo cye Atari ubwinshi bw’amafaranga.

b. Ku ndishyi z’ubukode bw’imodoka (indemnites de chomage)

[8] Xxxxxxxxxxxxx Come avuga ko urukiko rwagennye 15.000 frw ku munsi xxx xxxx

50.000 frw rushingiye ko amasezerano y’ubukode bw’imodoka RAB 382 R atareba Radiant. Avuga ko hashingiwe ku ngingo ya 3 y’amasezerano yagiranye na Leta imufasha kugura imodoka ivuga ku nshingano z’ufatanyije ikinyabiziga na Leta iteganya ko : « Gukoresha imodoka imirimo ya Leta isanzwe. Kwirwanaho ku buryo bwe bwite akarangiza inshingano ze z’akazi mu gihe imodoka yaba itameze xxxx xxx ikoreshwe, haba iby’igihe gito cyangwa kirekire. » Ko byumvikana ko mu kurangiza inshingano ze z’akazi, yagombaga kuba afite imodoka akoresha mu kazi xx xxxx munsi, ko byumvikana ko ikiguzi cy’ubukode bw’imodoka RAB 382 R cya 50.000 frw ku munsi bugomba kuryozwa Radiant hashingiwe ku ngingo ya 258 CCIII, iteganya ko : « Igikorwa cyose cy’umuntu cyangirije undi gitegeka nyir’ugukora ikosa rigikomokaho kuriha ibyangiritse. »

[9] Radiant Insurance Company yiregura ku mpamvu y’ubujurire, ivuga ko n’ariya

15.000 frw yagenewe atari kuyahabwa hashingiwe ku masezerano impande zombi zari zaragiranye, kuko avuga ko nta indemnités de chômage zatangwa, Xxxxxxxxxxxxx xxxxx yarabyemeye akabisinyira. Ko n’iyo xxxx xxxx zatangwa, yagombaga kwerekana ko uwo akodesheje afite uburenganzira bwo gukodesha butangwa na RURA.

[10] Xxxxxxx ya 44 ya conditions generales Xxxxxxxxxxxxx yasinyiye kuwa 30/12/2014 iteganya ko : « L’assurance ne pouvant etre pour l’assure une source de benefice, l’indemnite doit representer exactement mais uniquement la perte materielle. En aucun cas, la Societe ne peut avoir a supporter une indemnisation pour privation de jouissance ou pour depreciation de valeur. Le retard dans la reparation ou meme l’impossibilite de reparer provoquees par um manque de pieces, n’entrent pas en ligne de compte pour la fixation de l’indemnite… » Kuba mu mwanzuro wa Xxxxxxxxxxxxx usubiza ubujurire bwa Radiant Insurance Company Ltd, agaragaza amategeko ashingiraho yemeza ko agomba guhabwa

izo ndishyi z’ubukode bw’imodoka, uru Rukiko rurasanga bitandukanye n’ibiteganywa n’ingingo ya 64 y’itegeko rigenga amasezerano, iteganya ko :

« Amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye. Xxxxxx xxxxxxxxxxx xxx xxxxxxxx. » Xxxxxxxxxxxxx yasinye izo conditions generales za Radiant, ntiyigera agaragaza ko atemeranya na Radiant kuri iyo ngingo. Ntabwo rero uru Rukiko rubona ko yaza kuyihakanira mu Rukiko mu gihe atigeze ayihakana ubwo yasinyaga amasezerano. Uru Rukiko rero rurasanga ayo mafaranga 4.050.000 frw y’indishyi z’ubukode bw’imodoka isimbura iye itarakoraga yahawe mu rubanza rujuririrwa ataragombaga kuzihabwa hashingiwe ku ngingo ya 44 ya conditions generales zavuzwe haruguru.

c. Ku bijyanye n’indishyi zo gucunga imodoka

[11] Xxxxxxxxxxxxx avuga ko urukiko mu bushishozi bwarwo rwamugeneye 1500 frw. Ko rwavuze ko nta kimenyetso cy’ingano y’ayo mafaranga kandi yararushyikirije recus zose zishyuriweho parking guhera kuwa 22/02/2015, kugeza kuwa 03/08/2015. Ko hakubahirizwa ingingo ya 4 y’itegeko ryerekeye ibimenyetso n’itangwa ryabyo mu manza ndetse n’ingingo ya 147 CPCCSA.

[12] Radiant Insurance Company ivuga ko na 1500 frw ku xxxxx Xxxxxxxxxxxxx yagenewe na yo ari ikirenga kuko ibibazo byose byavutse kuri iyi dossier bikwiriye xxxxxxxx Xxxxxxxxxxxxx ukora uko ashoboye kose ngo abonere indonke muei iyi mpanuka.

[13] Kuba Radiant itarakoresheje imodoka kugera n’xxx ikibazo gishyikirizwa inkiko, bikaba bigaragara xx Xxxxxxxxxxxxx yishyura umuzamu uyirinda 2000 frw ku munsi, uru Rukiko rurasanga Radiant igomba kuyirengera, ikishyura 2000 ku munsi yo kuyirinda nk’uko agaragara mu mwanzuro we, angana na 628.000 frw.

d. Ku ndishyi zijyanye na contrôle technique.

[14] Xxxxxxxxxxxxx avuga ko urukiko rwanzuye ko 270.000 frw asaba ari menshi xxxxxx xx hakwishyurwa 10.000 frw yemerwa na Radiant Insurance Company ngo kuko ari cyo giciro gisanzwe. Avuga ko yagaragaje ko mbere y’uko ijya muri contrôle, izakorerwa inspection generale, yasanga mu miterere yayo hari icyangiritse cyangwa hari icyavuye mu mwanya wacyo kigakosorwa. Ko iyo mirimo itakorwa na 10.000 frw yatanzwe n’urukiko. Ko kugena gusa ikiguzi cya contrôle technique, hakirengagizwa imirimo ikorwa mbere cyangwa ibyasabwa gukosorwa ku kinyabiziga ko ari ukwirengagiza ukuri. Avuga ko indishyi za contrôle technique asaba ari 270.000 frw kuko hari ibikorwa by’ibanze bijyanye na contrôle technique bitahawe agaciro nka pincage, reglage y’amatara, xxx xxxxx, equilibrage n’ibindi.

[15] Radiant Insurance Company Ltd ivuga ko urukiko rutari kugenera Xxxxxxxxxxxxx amafaranga arenze ategetswe na contrôle technique kuko yo ari 10.000 frw. Ko gushaka arenzeho ari ukwirengagiza ko n’ubwo Radiant itigeze yemera contre- expertise yakozwe n’abahanga bagenwe n’urukiko, ibindi byose Xxxxxxxxxxxxx

xxxxxxx xxxxxxxxxx byahawe xxxxxxx n’iyo contre-expertise. Ko ikigaragara xxx xxx Xxxxxxxxxxxxx yifuza kuba indemnise inshuro ebyiri kandi bitemewe n’amategeko.

[16] Contrôle technique isanzwe yishyurwa 10.000 frw. Nta mpamvu yatuma Xxxxxxxxxxxxx yishyuza 270.000 frw mu gihe urukiko rwanzuye ko imodoka ye izakoreshwa ku giciro cyemejwe n’abahanga, kuko ibyo byose avuga bigomba gusuzumwa muri contrôle bizaba byakozwe mu gihe cyo gukora imodoka. Nta mpamvu rero yatuma Radiant yishyuzwa igiciro kidasanzwe giteganyijwe na contrôle technique.

e. Ku ndishyi z’ikurikirana rubanza

[17] Xxxxxxxxxxxxx avuga ko asaba 56.700 frw ajyanye na 6500 frw yaguze dosiye muri police, impression na phocopie 32.040 frw, 17.700 frw ya expertise. Arasaba kandi 1.320.000 frw y’urugendo kuko 160.000 frw yahawe ari make. Arasaba na none 2.000.000 frw yahembye avoka kuko 500.000 frw yagenewe n’urukiko ari make.

[18] Radiant Insurance Company ivuga ko 56.700 frw ajyanye n’ibikorwa by’ikurikirana rubanza Xxxxxxxxxxxxx avuga yayahabwa. Ivuga ko ingendo 14 Xxxxxxxxxxxxx avuga yakoze zijyanye n’impanuka yagombaga kuzishyurirwa, ko ikigaragara xxx xxx buri gihe iyo yazaga I Kigali mu nama yavugagaga ko yaje muri dossier y’imodoka. Ko bitari ngombwa ko ata akazi I Cyangugu akazana ibaruwa I Kigali, ko bigaragara ko yabaga aje muri affaires ze z’akazi n’affaires ze privees. Ko rero amafaranga urukiko rwamugeneye ari yo akwiriye kugumaho. Na ho ku gihembo cy’avoka, Radiant ivuga ko nta mpamvu yo kuyongera kuko n’ubundi uru rubanza ari we warukuruye nta mpamvu.

[19] Nk’uko n’uregwa mu bujurire abyemera, uru Rukiko rurasanga Xxxxxxxxxxxxx agomba guhabwa 56.700frw ya photocopie n’ibindi. Kuvuga ko yagenerwa

1.320.000 frw y’urugendo, uru Rukiko rukaba rusanga bitari ngombwa kuza i Kigali buri gihe kuko yashoboraga kuvugana na Radiant kuri telephone, kuyandikira e-mail cyangwa se ubutumwa bwo kuri telephoni atagombye gukora urugendo rwa buri gihe. Kuba ariko hari ingendo urega yagombaga gukora aza kuburana uru rubanza, uru Rukiko rurasanga mu bushishozi bwarwo ayo mafaranga y’ingendo yavanwa kuri 160.000 frw akagirwa 500.000 kuko yagombaga kwitaba inkiko mu gihe zimuhamagaye kuburana urubanza rwe. Na ho ku gihembo cy’avoka avuga ko kigomba kongerwa kikaba 2.000.000 frw, uru Rukiko rurasanga atagaragaza nibura photocopie ya cheque yaba yarishyuriyeho avoka we ayo mafaranga, cyangwa xx xxx hagaragazwe recus na souches yazo niba ayo mafaranga yarishyuwe mu ntoki. Akaba rero agomba kugumana 500.000 frw yahawe ku rwego rwa mbere.

f. Ku gihano gihatira kurangiza urubanza.

[20] Xxxxxxxxxxxxx avuga ko urukiko rwagennye 20.000 frw ku munsi y’igihano gihatira kwishyura, ko ariko ari make cyane, akaba asaba ko icyo gihano cyashyirwa

kuri 52.000 frw ku munsi, kuko yishyura 50.000 frw ku munsi ndetse na 2000 frw ku munsi yo kurinda iyo modoka yakoze impanuka.

[21] Radiant Insurance Company yo ivuga ko nta mpamvu yo kuyongera Xxxxxxxxxxxxx xxxxxx, ko ariko atakarengeje 20.000 frw ku munsi. Nk’uko urukiko rubanza rwabyemeje.

[22] Kuba mu bimenyetso yatanze, bigaragara xx Xxxxxxxxxxxxx akoresha 52.000 frw ku munsi harimo ayo gukodesha imodoka ndetse n’ayo kurinda iyo modoka yakoze impanuka, nta mpamvu yatuma igihano gihatira kwishyura cyajya munsi yayo ku munsi, kuko uko Radiant itinda kwishyura ariko na we atakaza 52.000 frw bya buri munsi. Uru Rukiko rero rurasanga igihano gihatira kwishyura kigomba kuva kuri 20.000 frw yategetswe mu rubanza rujuririrwa kigashyirwa kuri 52.000 frw Xxxxxxxxxxxxx agaragaza ko ari yo atakaza buri munsi.

2. Ese irangiza rubanza ryatanzwe ryari rikwiye?

[23] Xxxxxxxxxxxxx Come avuga ko urukiko rwashingiye ku ngingo ya 212 1.2 CPCCSA, xxxxxx xx 889.956 frw yemerwa na Radiant yabaho irangiza rubanza ry’agateganyo y’ikoreshwa ry’imodoka. Avuga ko we yasabye irangiza rubanza ry’agateganyo ashingiye ku ngingo ya 213.1 CPCCSA ariko urukiko rugashingira kuri 212.1.2 CPCCSA. Avuga ko aya mafaranga ari yo expert automobile wa Radiant yemeje, urukiko rukoresheje contre expertise igaragaza ko iyo modoka yakorwa na 4.750.242 frw. Ko asanga ari ukwivuguruza gutanga irangiza rubanza ry’agateganyo kuri 889.956 frw mu gihe we yasabye ko habaho irangiza rubanza ry’agateganyo ku mafaranga y’ikoreshwa ry’imodoka,

4.750.242 frw nk’uko yagenwe n’aba experts. Ko biri mu nyungu z’impande zombie ko habaho irangiza rubanza ry’agateganyo kuko byahagarika amafaranga agenda atangwa hato na hato, kuko n’ubwo ubuari imvune xxxx Xxxxxxxxxxxxx Come, azaba n’imvune kuri Radiant Insurance Company Ltd igomba kuyasubiza kubera amakosa yayo yo kutubahiriza amasezerano y’ubwishingizi.

[24] Radiant Insurance Company ivuga xx Xxxxxxxxxxxxx yifuzaga ko haba irangiza rubanza ry’agateganyo ku kintu kibujijwe n’amategeko, ni ukuvuga ku mafaranga Radiant itemera. Ko igikomeje kugaragara xxx xxx Xxxxxxxxxxxxx yumva xxxxxx inyungu ze bwite, n’amategeko yahonyorwa ariko akabona indonke akomeje guharanira kandi bibujijwe. Ko nk’uko urukiko rubanza rwabyemeje, irangiza rubanza ry’agateganyo ryaba gusa ku mafaranga Radiant yemera kuko ayagenwe n’aba experts bakoze contre expertise itigeze iyemera.

[25] Ingingo ya 212 .2 y’itegeko ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi urukiko rwashingiyeho rutanga irangiza rubanza ry’agateganyo, ifite umutwe witwa: “Igihe irangiza rubanza ry’agateganyo ritangwa ntawurisabye, igateganya ko: “ Irangizwa ry’agateganyo ryemezwa n’urukiko rubyibwirije ndetse nta ngwate, iyo ikiburanwa ari umwenda wemewe mu rubanza n’uregwa.” Uru Rukiko rurasanga urukiko rubanza mu rubanza rujuririrwa rutaragombaga gushingira kuri iyi

ngingo, kuko rutatanze irangiza rubanza ry’agateganyo rubyibwirije, ahubwo hari umuburanyi warisabye. Byongeye kandi, imiterere y’uwo mwenda wemerwaga mu rubanza n’uregwa, na wo uru Rukiko rurasanga itaratumaga uwo mwenda ukorerwaho irangiza rubanza ry’agateganyo, kuko icyo ayo mafaranga yari agamije ari ugukoresha iyo modoka yakoze impanuka, kandi na rwo rukaba rwarabonye ko ayo mafaranga atashoboraga gukoresha imodoka ubwo rwashyiragaho abandi bahanga bagatanga ikindi giciro rukanacyemeza.

[26] Ingingo ya 213.1 y’itegeko rivuzwe haruguru iteganya ko: “...irangiza rubanza ry’agateganyo rishobora gutegekwa gusa bisabwe n’umwe mu baburanyi, ku bintu byose byatsindiwe cyangwa ku gice cyabyo, iyo basanga iryo rangiza ry’urubanza ritabaye bishobora kwangiriza ku buryo budasubirwaho umuburanyi usabye ko urubanza rurangizwa by’agateganyo....” Uru Rukiko rurasanga iyi ngingo ari yo yagombaga gushingirwaho kuko usibye n’uko iryo rangiza rubanza ry’agateganyo ryari risabwe n’umwe mu baburanyi atari urukiko rubyibwirije, bigaragara ko kuba iyo modoka idakoreshwa mu gihe nyamara yari ifite ubwishingizi bwa Radiant ndetse n’urukiko rukaba rwaremeje igiciro cyo kuyikoresha, bituma Xxxxxxxxxxxxx akomeza gutakaza byinshi nk’uko byagiye bisobanurwa hejuru. Uru Rukiko rero rukaba rusanga hagomba kubaho irangiza rubanza ry’agateganyo ku mafaranga yose urukiko rwemeje yo gukoresha imodoka, angana na 4.750.242 frw, kuko kuba idakoreshwa bikomeza guteza nyirayo igihombo cyo gutanga andi magaranga yo gukodesha ndetse n’ay’umuzamu uyirinda bitari ngombwa.

3. Ese impande zombie zaba zarumvikanye ku ba experts –automobiles batatu?

[27] Radiant Insurance Company Ltd mu bujurire bwayo, ivuga ko urukiko rwavuze ko impande zombie zumvikanye ku ba experts automobiles batatu. Ko ibi Atari byo kuko yo yifuzaga ko umwe yaba uwayo, uwa Xxxxxxxxxxxxx n’uw’urukiko. Ko ibi urukiko rwabyanze nta bisobanuro bitanzwe, rwishyiriraho abarwo batatu. Ko kandi ibyo bakoze Radiant itigeze ibyemera kuko bikabije kubogama, kuko bageze n’xxx agaciro k’ibyangijwe n’impanuka batanze batarahiye, 4.586.742 frw, n’ako batanze bamaze kurahira 4.750.242 frw, ko batagaragaje impamvu y’icyo kinyuranyo cya 163.500 frw, kuko iyo urahiye cyangwa utarahiye uri expert nyawe ubona imibare imwe. Ko Radiant itigeze yemera imibare yatanzwe n’abo ba experts.

[28] Xxxxxxxxxxxxx Come avuga ko iyi mpamvu y’ubujurire bwa Radiant Insurance Company Ltd nta shingiro ifite. Ko mu iburanisha ry’urubanza ryo kuwa 09/09/2015, nyuma y’impaka ndende xxx Xxxxxxxxxxxxx Come yagaragarizaga urukiko ko Radiant yanze ko hakorwa expertise kugeza ubwo ikibazo kigereye mu Rukiko, ko nta mpamvu yakongera gukoresha indi. Ko hashingirwa kuri devis zakozwe n’umu expert wayo urukiko rugafata umwanzuro. Avuga ko urukiko rwanzuye ko kugena abahanga ari bwo buryo bwonyine bwakemura impaka. Ko Radiant yifuje ko umu expert wayo yajya muri abo bahanga, we agaragariza urukiko ko icyiza xxx xxx abo ba experts bagenwa, baba ari abatarigeze bagira xxx bahurira n’iyi dosiye, bakora raporo nta influence y’umuntu waba hari icyo azi kuri iyi mpanuka. Avuga ko Radiant yabyemeye,

urukiko rugategeka ko abahanga batatu xx xxxx Onatracom bakora iyi expertise. Ko iki cyemezo urukiko rwafashe kinyuranije n’amategeko kuko ingingo ya 77 y’itegeko ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko: “ 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.” Ko amahire xxx xxx iki cyemezo cyafatiwe mu iburanisha ababuranyi bombi bahari, xxxxx xxxxxx umwanzuro w’urukiko wo kugena abahanga.

[29] Asobanura ko kuba Radiant itemera ibyavuye mu murimo w’abahanga ngo kuko ugaragaramo ikinyuranyo cya 160.500 frw, ko ari ukwigiza nkana kuko raporo ya mbere Radiant yayanze n’ibikubiyemo byose xxxxxxx xxxxxxx, hagategekwa ko hakorwa indi. Xxxxxx impamvu ki raporo yatesheje agaciro ubu yayishingiraho ayigereranya na raporo yakozwe ikurikije amategeko. Avuga ko ingingo ya 98 y’itegeko ryerekeye ibimenyetso mu manza n’itangwa ryabyo, igena ko xxxxxxx xxxxxxxxxxxxx byanze bikunze ibitekerezo by’abahanga mu gihe binyuranye n’imyumvire y’abacamanza. Ko rero kuba Radiant itayemera bitavuze ko itashingirwaho mu gukemura impaka mu gihe umucamanza abona ko iyo raporo ihura n’imyumvire ye ikaba yamufasha gufata umwanzuro. Ko rero icyemezo cy’umucamanza gisobanuye neza kuko cyagaragaje impamvu.

[30] Mu gika cya 6 cy’urubanza rujuririrwa, urukiko rwaranzuye ko hagomba kujyaho abahanga batatu basuzuma ibyangiritse ku modoka, runavuga ko Radiant itanenga abahanga kubogama, ubumenyi buke cyangwa ubushishozi buke ndetse no kwibeshya, ko ibyo bemeje ko byangiritse ku modoka bisaba gusimbuzwa ari byo byakorwa. Aha uru Rukiko ntirwumva impamvu Radiant yumvaga ko expert wayo agomba kuza mu bo urukiko rwashyiraho, mu gihe nyamara byagaragaye ko expertise yakoze xxx xxx o yanatumye ikibazo ifitanye na Xxxxxxxxxxxxx xxxxxx mu Rukiko, kuko iyo baza kumvikana kuri expertise yakozwe n’umuhanga wayo, ntabwo iki kibazo kiba cyarageze mu nkiko. Hashingiwe ku ngingo ya 77 y’itegeko ryerekeye ibimenyetso mu manza n’itangwa ryabyo iteganya ko: “ 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.” Uru Rukiko rurasanga nta kosa urukiko rwakoze ryo gushyiraho abo bahanga hatagiyemo umuhanga wa Radiant Insurance Company Ltd wari wakoze raporo ya mbere. Rurasanga na none Radiant itanashingira kuri raporo abo bahanga bari bakoze mbere batarahiye ikayanga maze urukiko rukayitesha agaciro hagakorwa indi. Kuba iyo raporo yarateshejwe agaciro, nta mpamvu yatuma Radiant iyishingiraho yitwaza ko xxx xxxxxx yahawe agaciro yarengejeho

163.500 frw. Iyi mpamvu y’ubujurire yatanzwe na Radiant ikaba nta shingiro yahabwa.

4. Ku bisabwa na Harindintwari Come mu bujurire.

[31] Xxxxxxxxxxxxx Come arasaba ko yagenerwa 500.000 frw y’ikurikirana rubanza mu bujurire, na 2.000.000 frw y’igihembo cy’avoka. Uru Rukiko rurasanga

500.000 frw y’ikurikirana rubanza mu bujurire yayahabwa, ariko akagenerwa

500.000 frw y’igihembo cy’avoka mu bujurire kuko ayo asaba atagaragaza ko ari yo yishyuye avoka wayo koko mu buryo budashidikanywaho.

ICYEMEZO CY’URUKIKO

[32] Xxxxxxx Xxxxxx rw’Ubucuruzi:

Rwemeye kwakira ubujurire rwashyikirijwe na Harindintwari Come. Rwemeje ko bufite ishingiro kuri bimwe.

Rwemeye kwakira ubujurire rwashyikirijwe na Radiant Insurance Company Ltd. Rwemeje ko bufite ishingiro kuri bimwe.

Rutegetse indishyi z’ubukode bw;imodoka zingana na 4.050.000 frw zari zahawe Xxxxxxxxxxxxx Come mu rubanza rujuririrwa zivanwaho.

Rutegetse ko indishyi z’ikurikirana rubanza ku rwego rwa mbere zingana na 556.700 frw akubiyemo ingendo n’ibindi bikorwa byo gukurikirana urubanza zishyurwa na Radiant Insurance Company Ltd mu gihe cy’iminsi 15 uru rubanza rubaye itegeko, itayatanga akavanwa mu byayo ku ngufu za Leta.

Rutegetse Radiant Insurance Company Ltd kwishyura Xxxxxxxxxxxxx Come

628.000 frw yo gucunga imodoka, ikayatanga mu gihe cy’iminsi 15 uru rubanza rubaye itegeko, itayatanga akavanwa mu byayo ku ngufu za Leta.

Rutegetse Radiant Insurance Company Ltd kwishyura Xxxxxxxxxxxxx Come

1.000.000 frw y’ikurikirana rubanza n’igihembo cy’avoka mu bujurire, ikayatanga mu gihe cy’iminsi 15 uru rubanza rubaye itegeko, itayatanga akavanwa mu byayo ku ngufu za Leta.

Rutegetse ko habaho irangiza rubanza ry’agateganyo ku mafaranga yose yo gukoresha imodoka angana na 4.750.242 frw.

Rutegetse ko igihano gihatira kwishyura gishyizwe kuri 52.000 frw ku munsi.

Rutegetse ko amagarama y’urubanza buri wese yatanze ajurira aguma mu isanduku ya Leta.

NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KUWA 21/03/2016 N’UMUCAMANZA WARUBURANISHIJE, NIWEMUGENI Solange, HARI N’UMWANDITSI W’URUKIKO MUNYEHIRWE Protogene.

UMUCAMANZA UMWANDITSI

NIWEMUGENI Solange MUNYEHIRWE Protogene (Sé) (Sé)

Copie conforme à l’originale