docurukiko rw`ubucuruzi rwa musanze ruri ku cyicaro cyarwo
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urukiko rw`ubucuruzi rwa musanze ruri ku cyicaro cyarwo
IKIZA RY’IMANZA RCOM 0438/14/TC/MUS 1 URUKIKO RW’UBUCURUZI RWA MUSANZE RURI KU CYICARO CYARWO GISANZWE RUHABURANISHIRIZA RWAKIJIJE URU RUBANZA NONE KUWA 24/04/2015 MU RWEGO RWA MBERE MU BURYO BUKURIKIRA : ____________________________________________________________________ HABURANA UREGA: Sebatware Assumani mwene Sebatware Ladslas na Mweramana Chantal utuye mu Mudugudu w’Urubyiruko, Akagari ka Nengo, Umurenge wa Gisenyi, Akarere ka Rubavu, Intara y’Iburengerazuba. UREGWA: COGEAR Ltd mu izina ry’Umuyobozi wayo ifite icyicaro mu Kagari ka Kiyovu, Umurenge wa Nyarugenge, Akarere ka Nyarugenge, Umujyi wa Kigali. IKIREGERWA: Gutegeka COGEAR Ltd gushyira mu bikorwa, amasezerano y’ubwishingizi bw’imodoka HIACE RAB 676 B (Assurance tout risque) I Imiterere y’urubanza [1] Hari amasezerano y’ubwishingizi JTGJX02P360004365 yabaye hagati ya bw’ikinyabiziga HIACE RAC 676 B châssis yagombaga gutangira kuwa 22/01/2014 akageza kuwa 22/07/2014. Hagati aho kuwa 31/01/2014 habaye impanuka iyi modoka ntiyongera gukora ( iba déclassé), Sebatware asaba COGEAR Ltd ( yahindutse PRIME INSURANCE Ltd) kumwishyura agaciro kayo, ariko iyi nayo ivuga ko atakwishyurwa kuko impanuka yatewe n’uburangare bwe bitewe nuko freinage zayo zitakoraga ( cyangwa se zitari zakoreshejwe kandi ngo zari zifite ikibazo). Ibibazo twibajijeho muri uru rubanza ni : 1. Ugusuzuma niba impanuka ivugwa muri uru rubanza yakwishingirwa na COGEAR Ltd. 2. Inyungu n’indishyi zatswe muri uru rubanza. II .ISESENGURA RY’IBIBAZO BIGIZE URUBANZA A) Ku bijyanye no kwishyura iyo habaye impanuka. [2] Me Habinshuti Jean Bosco yasobanuye ikirego ko Sebatware yagiranye amasezerano na GOGEAR Ltd y’ubwishingizi (Tout risque) bw’imodoka ye Toyota Hiace RAC 676 B, iyi iza gukora impanuka kuwa 31/01/2014 imodoka irangirika ku buryo budasubirwaho (déclassé), Sebatware abimenyesha GOGEAR Ltd aho kugira ngo imwishyure ahubwo kuwa 21/03/2014, imubwira ko IKIZA RY’IMANZA RCOM 0438/14/TC/MUS 2 itazigera imwishyura ngo kuko impanuka yatewe na chauffeur kuko yatwaye iyo modoka azi neza ko ifite ikibazo cya za freins. Ngo ibyo COGEAR ikabishingira ku mvugo z’abatangabuhamya bari muri iyo modoka ubwo impanuka yabaga. Me Habinshuti yakomeje asaba ko GOGEAR Ltd iha Sebatware 15.000.000 Frw y’iyo modoka yari yarafatiweho ubwishingizi. [3] Me Simbizi Fulgence uburanira GOGEAR Ltd yisobanuye ko iyi itarikuriha mu gihe inyandikomvugo ya Police yo igaragaza ko impamvu yateye impanuka ari uburangazi bwa chauffeur utarakoresheje freins z’imodoka kandi abagenzi bari bayirimo bagerageje kumubuza gukomeza kuyitwara idakozwe aranga. Ngo bityo COGEAR Ltd ishingiye ku ngingio ya 56 igika cya 1 mu ngingo rusange (Conditions rusange) ivuga ko COGEAR Ltd itishingira impanuka y’ikinyabiziga kitasuzumwe neza (mauvais entretien). [4] Me Habinshuti avuga ko ibyo Me Simbizi avuga nta shingiro bifite mu gihe imodoka yari yarakorewe contrôle technique, ngo urukiko ntirwashingira ku mvugo z’abari bakimara kurokoka impanuka kandi ngo na PV y’umupolisi nawe udafite ubundi bumenyi (expertise) nbwo kumenya impamvu y’iyo mpanuka. Asaba urukiko ko rwita k’umpamvu y’amasezearno nta kindi kuko yari ubwishingizi tout risque, kandi tout risque guhirima k’ikibazima biba birimo. [5] Urukiko rurasanga kuwa 22/01/2014 harabaye amasezerano y’ubwishingizi (tout risque) hagati ya Sebatware Assoumani Twagiramungu na COGEAR Ltd bw’imodoka ye Hiace RAC 676 B, umwishingizi ayigenera agaciro ka 15.000.000 Frw, hashize iminsi umunani gusa ni ukuvuga kuwa 31/01/2014 haba impanuka y’iyo modoka ku buryo iyo modoka yataye agaciro kose (déclassé) nkuko bigaragazwa na rapport yo kuwa 21/02/2014 yakozwe na n’umuhanga (Expert Nyamuniga Jean). [6] Urukiko rushingiye ku ngingo ya 47 yo mu ngingo rusange zashingiweho mu masezerano hagati y’ababuranyi muri uru rubanza, ivuga ko iyo ikinyabiziga cyangiritse ku buryo bwa burundu (lorsque le véhicule accidenté est déclaré en perte totale) COGEAR Ltd yishyura agaciro kacyo kuri uwo munsi (la société paie à l’assure l’indemnité résultant de la valeur vénale). Muri uru rubanza ntacyabuza Sabatware Assoumani Twagiramungu kwishyurwa (être indemnisé) kuko ingingo ya 11 mu Itegeko -Teka n°20/75 ryo kuwa 20/06/1975 ivuga ko uwishingira yishingira ibyaba kuwishingiwe byateganijwe mu masezerano. Yishingira ibyaba bitewe n’impamvu zitunguranye, n’ibyaba bitewe n’ikosa ry’uwishingiwe, keretse iyo byateganijwe ukundi… IKIZA RY’IMANZA RCOM 0438/14/TC/MUS 3 [7] Ibyateganijwe ukundi uburanira COGEAR Ltd avuga ko ari freins z’imodoka zitari zakoreshejwe agendeye ku mvugo z’abari bari muri iyo modoka ari nazo police yashingiyeho, avuga ko ingingo ya 56 agace ka 1° yo mu ngingo rusange (Conditions Générales) yemerera Prime Insurence Ltd) kutishyura, urukiko rwo rurasanga ibyo bitaba impamvu ukuriraho GOGEAR Ltd ( yahindutse Prime Insurence Ltd) inshingano mu gihe imodoka yari ifite contrôle technique ahubwo igomba gutanga indishyi ( indemnités) zingana na 13.200.000 FRW kuko ariko gaciro (valeur vénale) iyo modoka yari igezeho nkuko bigaragazwa na rapport de déclassement n°070//014/NJ yo kuwa 21/02/2014. b) Ku bijyanye inyungu, indishyi ndetse n’igihembo cy’Avoka byatswe muri uru rubanza [8] Me Habinshuti yasabye 1.236.000 Frw yaho imodoka iparitse kuko ihishyura, asaba 18.000.000 Frw y’amafaranga yakabaye yarakoreye kugeza kuwa 31/03/2015, 1.000.000 Frw y’igihembo cy’Avoka wamuburaniye na 1.000.000 Frw y’ikurikirana rubanza. Uburanira COGEAR Ltd (yahindutse Prime Insurence Ltd) asubiza ko nta ndishyi COGEAR Ltd yatanga asaba ahubwo ko ariyo ihabwa indishyi za 1.000.000 Frw kuko ariyo yashowe mu rubanza bitari ngombwa. [9] Urukiko rushingiye ku ngingo ya 258 yo mu gitabo cya 3 cy’urwunge rw’amategeko mboneza mubano cyerekeranye n’imirimo nshinganwa, ivuga ko igikorwa cyose cy’umuntu cyangirije undi gitegeka nyir’ukugikora kuriha ibyangiritse rurasanga COGEAR Ltd (PRIME INSURENCE Ltd) igomba guha Sebatware indishyi kuko itubahirije amasezerano cyakora izigomba gutangwa zikagenwa mu bushishozi n’ubwitonzi b’urukiko kuko izatswe ari ikirenga. III CYEMEZO CY’URUKIKO [10] Rwemeje ko COGEAR Ltd (yahindutse PRIME INSURENCE Ltd) itubahirije amasezerano yagiranye na Sebatware Assoumani y’ubwishingizi (Assurance tout risque) bw’imodoka kuko habaye impanuka iyi yanga kwishyura. [11] Rutegetse COGEAR Ltd (ariyo yahindutse PRIME INSURENCE Ltd) guha Sebatware Assoumani Twagiramungu indishyi zingana na 13.200.000 Frw ahwanye n’agaciro k’imodoka ( valeur vénale) umunsi impanuka yabaga. IKIZA RY’IMANZA RCOM 0438/14/TC/MUS 4 [12] Ruyitegetse nanone kumuha indishyi zingana na 3.000.000 Frw ajyanye n’indishyi zikomoka ku kuba imodoka idakora mu gihe kingana n’amezi 15 abarwa kuva k’umunsi w’impanuka na 500.000 Frw y’igihembo cy’Avoka. [13] Rutegetse COGEAR Ltd (yahindutse PRIME INSURENCE Ltd) kwishyura Sebatware Assoumani indishyi zingana na 16.750.000 Frw zihwanye n’agaciro k’imodoka, igihombo yatejwe no kudakora kw’imodoka ye kimwe n’igihembo cy’Avoka ndetse n’amafaranga Sebatware Assoumani yagwatirije uru rubanza. Ibi ikabikora ku neza no mu gihe giteganywa n’amategeko itabokora agakurwa mu byayo ku ngufu za Leta. NUKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME RWA BENSHI NONE KUWA 24/04/2015 RUGIZWE NA: Sé RUBONEZA Philippe UMUCAMANZA Sé MUREKATETE Christine UMWANDITSI
