URUKIKO RWISUMBUYE RWA HUYE RURI IHUYE, RUHABURANISHIRIZA IMANZA Z’IMBONEZAMUBANO MU RWEGO RWA MBERE, RUKIRIJE MU RUHAME URU RUBANZA RC 00002/2016/TGI/HYE MU BURYO BUKURIKIRA:
URUKIKO RWISUMBUYE RWA HUYE RURI XXXXX, RUHABURANISHIRIZA IMANZA Z’IMBONEZAMUBANO MU RWEGO RWA MBERE, RUKIRIJE MU RUHAME URU RUBANZA RC 00002/2016/TGI/HYE MU BURYO BUKURIKIRA:
HABURANA:
UREGA :XXXXXXXXXX Xxxxxxx mwene Nindereye na Nyirarukundo Xxxxxxxx yavutse kuwa 24/04/1972, atuye akagari xx Xxxxx, umurenge wa Ngoma, akarere ka Huye , intara y’ Amajyepfo .
UREGWA: Radiant Insurance Company Ltd. mu izina ry’ uyihagarariye ibiranirwa na Me Xxxxxxxxxxxx Xxxxx .
IKIBURANWA: Indishyi zikomoka ku mpanuka y’ikinyabiziga (Indishyi ziregerwa zishingiye ku kuba kuwa 07/04/2016 harabaye impanuka xxxxxxxxxxxx Xxxxxxxxxx Xxxxxxx. Iyi mapanuka yatewe no kugenda nabi mu muhanda k’uwari atwaye Minibus TOYOTA HIACE RAD 289C yari yishingiwe muri Radiant insurance company Ltd kandi nyuma y’iyi mpanuka urega yagerageje ubwumvikane burananirana).
I.IMITERERE Y’URUBANZA :
[1]. Kuwa 07/04/2016 mu masaha ya saa saba z’ ijoro mu kagari ka Kabutare mu murenge wa Ngoma habereye impanuka, y’imodoka yo mu bwoko bwa Minibus Toyota Hiace RAD 289C yari itwawe na Xxxxxxxxx Xxxxxxx wagonze aturutse inyuma moto yari ihetse Xxxxxxxxxx Xxxxxxx wakomerekeye muri iyi mpanuka yatewe no kugenda nabi mu muhanda k’ uwari utwaye Minibus yavuzwe haruguru yari ifite ubwishingizi muri Radiant Insurance Company Ltd . Nyuma y’ xxx mpanuka Xxxxxxxxxx Xxxxxxx wahohotewe muri iyo mpanuka yagerageje kwaka indishyi mu bwumvikane Radiant Insurance Company Ltd. ubwumvikane ntibwashoboka ikaba ariyo mpamvu yaregeye urukiko.
[2] Me Xxxxxxxxxxxx Xxxxx avuga ko Radiant Insurance Company Ltd. itigeze yanga gutanga indishyi ko yifuza ko Manirakiza yerekana ibimenyetso by’ indishyi aregera ko zifite ishingiro
nk’ uko biteganywa n’ ingingo ya 3 y’ iteka rya Perezida .n⁰31/01 ryo kuwa 25/08/203 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’ umubiri buturutse ku mpanuka zitewe n’ ibinyabiziga.
IBIBAZO BISUZUMWA MURI URU RUBANZA:
1. Kuba amasezerano y’akazi y’ umukozi yenda kurangira si impamvu yo kutamugenera indishyi hashingiwe ku musaruro w’ umwaka atahana ;
2. Kumenya umushahara muto w’ umwaka ntarengwa (SMIG) wagenderwaho hatangwa Indishyi , n’iminsi y’akazi mu kwezi, imyaka uwahohotewe yari asigaje kubaho akora ;
3. Ibijyanye n’ indishyi z’ibangamira bukungu (préjudice économique);
4. Ibijyanye n’ indishyi z’ ibangamira buranga ;
5. Indishyi z’ ibangamira ry’ uburambe mu kazi ;
6. Ibijyanye n’ amafaranga yakoresheje yivuza ;
7. Ibijyanye n’ amafaranga y’ ikurikiranarubanza n’ igihembo cy’ avoka.
II. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA
1. Kuba amasezerano y’akazi y’ umukozi yenda kurangira si impamvu yo kutamugenera indishyi hashingiwe ku musaruro w’ umwaka atahana.
[3] Me Mbituyimana Xxxx xx Xxxx avuga ko barebye indishyi uko zabazwe basaba ko zabarwa haherewe ku mushahara Gervais yahembwaga naho Radiant ikavuga SMIG isanzwe , uregwa yahembwaga amafaranga 200.000 ku kwezi , ibimenyetso batanga bikaba ari bitatu
(3) birimo amasezerano y’ akazi yo kuwa 01/08/2015 mu ngingo ya 3 , umushahara wari wumvikanyweho n’ impande zombi ukaba wari 250.000frw ikindi kikaba ari Historique bancaire yatanzwe na Banque de Kigali , ikindi kimenyetso ni license ya Catégorie C d’ entraineur CAF yahawe gukora akazi k’ ubutoza , ibyo bikaba aribyo bimenyetso bigaragaza akazi akora n ‘uko yahembwaga , ko ibyo biteganywa n’ ingingo ya 18 y’ iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyurai ndishyi ivuga ibyiciro
bitanduka xxx , bikavuga ku wahohotewe umurimo akora , umurimo uhemberwa , icyicuro cya kabiri kivuga ku mushahara hepfo bakavuga ku ndishyi igatanga formule igomba gukoreshwa ikaba izwi ariko bakaba barabaze nabi imyaka asigaje yo gukora kuko yari asigaje imyaka
22 akora kuko yavutse 24/04/1972 impanuka iba kuwa 07/04/2016 , indishyi z’ ibangamirabukungu ari 8.130.434 frw bakaba babishingira ku gika cya 19 cy’ urubanza RCAA003/11/CS rwaciwe n’ urukiko rw’ikirenga kuwa 12/10/2012 ruri mu cyengeranyo cy’ inkiko akaba yarahereye ku mafaranga 2.500 ku kwezi , kuri Taux de placement yahereye ku gika cya 22 cy’ urubanza yavuze haruguru babarira ku 8%, akaba asaba ko umunsi wo gutanga indishyi urukiko rwazareba xxx bigeze nk’ uko bivugwa mu ngingo ya 4 aln 4 ,6 y’ itegeko n⁰41/2001 ryo kuwa 19/09/2001 ryerekeye imyishyurire y’abangirijwe n’ impanuka , iyo ngingo ya 4 ivuga ku muntu usanzwe afite umushahara , agasoza avuga ko Gervais atabarirwa umushahara bahereye kuri SMIG isanzwe kuko ingingo ya 4 aln.8 ibivuga ariko ku ndishyi z’’ ibangamiraburambe mu xxxx xxxx irakoreshwa ko ingingo ya 19 y’ iteka xxx Xxxxxxxx bavuze ko amezi 6 ku zindi ndishyi z’akababaro , indishyi z’ibangamiraburanga hakoreshwa SMIG isanzwe kuko babariye kuri 2.500 , igika cya 10 cyaruriya rubanza rwaciwe n’ urukiko rw’ikirenga kirabivuga, kuko bafashe iminsi 30 , ibindi birimo amafaranga no kugura dosiye ni amafaranga angana na 8.400, amafaranga yo kugura Expertise médicale ni
5.000 , ibindi bikubiye mu mwanzuro , ko kuba Me Odile avuga ko Gervais yari asigaje amezi ane ko hatarebwa igihe yari asigaje ko harebwa ko yari asanzwe akora ko urukiko rwazashingira ku mushahara yahembwaga n’ umwuga yakoraga ko basaba indishyi z’ibangamirabukungu zingana na 250.000x12x22x35% = 8.639.565
1+(8%x22)
-Indishyi z’ibangamira riterekeye umutungo zingana na 4%x250.000x30x12=360,000 frw
-Indishyi z’ibangamira buranga zingana na 4%x250.000x30x12=360,000 frw
-Indishyi z’ibangamira burambe mu kazi zingana na 4%x250.000x30x6=1.500.000 frw
[4] Me Mbituyimana akomeza avuga ko ibindi byishyuwe bingana n’ amafaranga 523.630 frw aribyo :
-Amafaranga yo kugura expertise médicale : 5.000frw
-Amafaranga yo kugura Attestation ku murenge :500 frw
-Amafaranga yishyuwe certificat de consolidation :5.000 frw
-Amafaranga yatanzwe mu ngendo zo kwa muganga 220.000 frw
-Amafaranga yatanzwe kwa muganga : 287.730 frw , ko ibindi bikubiye mu mwanzuro.
[5] Me Xxxxxxxxxxxx Xxxxx uburanira Radiant Insurance Company Ltd. avuga ko nk’uko bigaragazwa n’abaganga , ko ku ruhande rw’uregwa, iyo mpanuka yamusigiye ubumuga bungana na 34%. ko indishyi z’ibangamirabukungu zibarwa ku myaka 44 yari afite ko asaba ko urukiko rwazagendera ku ngingo ya 18 aln. y’ iteka rya Perezida kuko amasezerano yari asigaje amezi ane (4), kuri Taux de Placement bagendera ku cyifuzo cy’ urega , SMIG basabye ko yaba 2.000, bashingiye ku rubanza ko mu mwanzuro iminsi xxxxxx xx iminsi 26 kubera ko habaho iminsi y’ ikiruhuko no ku zindi ndishyi niho babariye kuko bikubiye mu mwanzuro , ko amafaranga yo kwivuza bafatiye kuri Facture bahawe hari izafashwe inshuro ebyiri bakaba barasanze ari amafaranga 140.302 . naho amafaranga y’ ingendo nta bimenyetso bayaboneye ikaba ariyo mpamvu batayabaze kuko ingingo ya 21 y’ iteka rya Perezida ivuga ko babanza kwerekana ibimenyetso ko igihembo cy’avoka bari bacyumvikanyeho ari amafaranga 500.000 , ko bagendeye ku bipimo byavuzwe haruguru yagenerwa indishyi z’ibangamirabukungu zingana na 2000.000x12x16x35% = 2.055.529 frw
1+(10%x16)
Indishyi z’ibangamira riterekeye umutungo zingana na 4%x2000.000x26x30x12=288.000 frw Indishyi z’ibangamira buranga zingana na 4%x2000.000x30x12=288,000 frw
Indishyi z’ibangamira burambe mu kazi zingana na 4%2000.000x30x6=360.000 frw
[6] Me Xxxxxxxxxxxx Xxxxx avuga ko Manirakiza asaba indishyi zirimo amafaranga yo kwivuza kandi impapuro zihari zigaragaza amafaranga 140.302 harimo n’ ayo yakoresheje Expertise medical légal , ko amafaranga y’ ingendo nayo adakwiye kuyahabwa kuko nta kimenyetso ayagaragariza .
[7] Xxxxxxx ingingo ya 18 y’iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’ umubiri buturutse ku mpanuka zitewe n’ ibinyabiziga1 ivuga ko iyo ubumugaba burengehe 30% indishyi y’ ibanganirabukungu abarwa
1 iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’ umubiri buturutse ku mpanuka zitewe n’ ibinyabiziga ingjgo ya 18
hakurikijwe umusaruro w’umwaka umuntu atahana x umubare w’imyaka ashigaje kubaho akora x ijanisha ry’ ubumuga , bigabanywa na 1+ igipimo cy’ ibitsa x umubare w’imyaka ashigaje kubaho akora , kuba rero ME Odille avuga ko Manirakiza yari asigaje amezi ane (4) ngo amasezerano ye arangire bikaba bitamubangamira kuko hatarebwa igihe cyari gisigaye ahubwo harebwa umushahara yari amaze igihe ahembwa kandi nk’ uko Historique ibigaragaza yakoze impanuka yinjiza umusaruro w’ amafaranga 250.000 fr xxx xxxx akwiye gushingirwaho abarirwa indishyi z’ibangamira ry’ uburambe mu xxxx xx’ uko inzira yatanzwe n’ iteka ryavuzwe haruguru yabiteganyije kuko kuba amasezerano y’akazi y’ umukozi yenda kurangira atari impamvu yo kudashingira ku musaruro w’ umwaka umukozi atahana .
2.Xxxxxxxxx n’ umushahara fatizo w’ umukozi
[8] Urukiko rusanga xxxxxxxxxx Xxxxxxxxxx Xxxxxxx yari aherutse guhembwa igihe yakoraga impanuka ari amafaranga 250.000 xxxx xxxx asaba ko urukiko rwahera ku mushahara wa
250.000 ukaba ariwo waherwabaho abarirwa indishyi z’ibangamirabukukungu ,igipimo cy’ iz’igama ry’ amabanki akorera mu Rwanda ari amafaranga 8 %, naho umusharara muto wemewe n’amategeko hakifashishwa urubanza RCAA0202/07/CS rwo kuwa 09/04/2009 , rwaciwe n’ urukiko rw’ xxxxxxxx0 xxx rwemeje ko umushahara fatizo (SMIG) ari amafaranga
2.500 frw ku zindi ndishyi hagashingirwa ku mushahara muto wemewe n’amategeko wa 2.500frw , naho ku bijyanye n’ iminsi urukiko rusanga nta kigaragaza ko yari umukozi wo mu biro akora iminsi 22 gusa kuko nta gihamya ko yagiraga iminsi ibiri y’ ikiruhuko mu cyumweru kundi kuruhuka iriya minsi bikaba atari ihame ko abantu bose bagomba kuruhuka kuko ari uburenganzira bwe , izo ndishyi zikaba zikwiye kubarirwa ku minsi 30 y’ ukwezi , ingingo ya 2 y’iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’ umubiri buturutse ku mpanuka zitewe n’ ibinyabiziga iteganya xxxxx xx igihe uwahohotewe yari asigaje kubaho akora hashingirwa ku myaka iteganywa muri stati rusange y’ abakozi ba Leta , ikaba iteganya imyaka 65 yo kujya mu zabukuru ikaba xxx xxxx ishigirwaho abarirwa igihe yari asigaje kugira ngo ajye mu zabukuru. 3.Xxxxxxxxx n’ indishyi mbangamira bukungu (préjudice économique)
2 RCAA0202/07/CS rwo kuwa 09/04/2009 , rwaciwe n’ urukiko rw’ ikirenga
[9] Urukiko rurashingira ku ngingo ya 18 y’iteka rya Perezida ryavuzwe mu gika kibanziriza iki kuko rusanga yaragize ubumuga buhoraho burengeje 34% nk’ uko raporo ya muganga yashyikirijwe urukiko ibyemeza , rugasanga umushahara Manirakiza aheruka guhembwa ari amafaranga 250.000, akaba abarirwa indishyi z’ibangamirabukungu zingana na :
250.000 x30x12x22ans x34%=8.369.565 frw.
1+(8%x34ans).
[10] Urukiko rusanga Me Mbituyimana uhagarariye Xxxxxxxxxx Xxxxxxx avuga ko indishyi z’ akababaro bashingira ku ngingo ya 19 y’ iteka rya Perezida , xxxx Xxxxxxxxxx afite ubumuga buciriritse , ari mu rwego rwa kabiri kuko afite ubumuga bwa 34% xxxxx xxx hagati ya 21% na 40% akwiye guhabwa indishyi z’ibangamira riterekeye umutungo zibanzwe ku buryo abona 40% x 2.500 x30x12= 360.000frw .
4.Indishyi z’ibangamira ry’uburanga
[11] Urukiko rurashingira ku ngingo ya 19 y’iteka rya Perezida n⁰31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’ umubiri buturutse ku mpanuka zitewe n’ ibinyabiziga3 rumugenera indishyi z’ibangamira ry’uburanga zingana na
:40%x2.500x 30x12= 360.000 frw .
5.Indishyi z’ibangamira ry’ uburambe mu kazi
[12] Urukiko rurashingira ku ngingo ya 19 y’iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/2003
4 ryavuzwe mu gika kibanziriza iki , rumugenera indishyi z’ibangamira ry’uburambe mu kazi zingana na 2.500x30x6= 450.000frw.
6.Ibijyanye n’ andi amafaranga yakoresheje ,agura dosiye , ibyemezo no kwivuza
[13] Urukiko rurashingira ku ngingo ya 13 y’iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/20035 ryavuzwe mu gika kibanziriza iki , kuko rusanga amafaranga Xxxxxxxxxx Xxxxxxx agaragariza
3 iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’ umubiri buturutse ku mpanuka zitewe n’ ibinyabiziga ingingo ya 19
4 Ibdem
ibimenyetso ari amafaranga yakoresheje yivuga angana na 140.302 ayaguzwe dosiye angana na 8.400 , aya raporo ya xxxxxxx xxxxxx na 5.000 n’ amafaranga angana na 5.000 yishyuwe certificata de consolidation , hashingiwe kuri ibi bimenyetso byashyikirijwe urukiko Radiant Insurance Company Ltd. ikwiye guha Xxxxxxxxxx Xxxxxxx indishyi z’amafaranga agaragariza ibimenyetso angana n’ ibihumbi ijana na mirongo itanu na bibiri xx xxxxxx arindwi n’ amafaranga abiri
(152.702) .
[14] Urukiko rurashingira ku ngingo ya 9 y’itegeko n°21/2012 ryo kuwa 14/06/201 2 ryerekeye imiburanishirize y’imanza z’imbonezamubano iz’ubucuruzi ,iz’umurimo n’iz’ubutegetsi ivuga ko :“urega agomba kugaragaza ibimenyetso by’ibyo aregera iyo abibuze uwarezwe aratsinda…..” 6iyi ngingo ihujwe n’ingingo ya 3 y’itegeko n°15/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo7 kuko rusanga Me Mbituyimana uburanira Xxxxxxxxxx Xxxxxxx amusabira indishyi z’ amafaranga yatanzwe mu ngendo zo kwa xxxxxxx xxxxxx na 220.000 frw , ariko ataratangiwe ibimenytso by’ uko ayo asaba guhabwa ariyo akwiye, urukiko rugasanga nta kimenyetso rwashingiraho rumubarira izo ndishyi kuko nta kigaragaza ko kuva xxx atuye ajya xxx yivuzaga hari amafaranga yakoresheje .
7.Ibijyanye n’ amafaranga y’ igihembo cy’avoka
[15] Urukiko rusanga Me Mbituyimana uburanira Xxxxxxxxxx Xxxxxxx avuga ko ibindi aregera bikubiye mu mwanzuro, ko ashingira ku ngingo ya 258 CCLIII. asabira uwo yunganira gusubizwa amafaranga 800.000 y’ igihembo cy’ avoka n’amafaranga y’ igarama yatanze xxxxx xxxxxx na 50.000, urukiko rugasanga hari amasezerano Me Mbituyimana yagiranye xx Xxxxxxxxxx agaragaza ko bumvikanye ku mafaranga 800.000 , kuba uburanira Radiant Insurance Company Ltd, avuga ko bumvikanye ko amafaranga 500.000 bikaba nta shingiro bifite kuko ubwimvikane butagezweho kandi uwareze akaba yarasabye 800.000 , kuba itarigeze yemera kumvikana n’ uwahohotewe kugeza xxx ikirego kigereye mu rukiko uwahohotewe
5 iteka xxx Xxxxxxxx n⁰31/01 ryo kuwa 25/08/2003 rishyiraho uburyo bwo kwishyura indishyi ku bubabare bw’ umubiri buturutse ku mpanuka zitewe n’ ibinyabiziga ingingo ya 13
6 itegeko n°21/2012 ryo kuwa 14/06/201 2 ryerekeye imiburanishirize y’imanza z’imbonezamubano iz’ubucuruzi ,iz’umurimo n’iz’ubutegetsi ingingo ya 9
7 itegeko n°15/2004 ryerekeye ibimenyetso mu manza n’itangwa ryabyo , ingigo ya 3
yarakoreshaga umwunganira mu mategeko guhera mu bugenzacyaha, ku cyicaro cya Radiant kugeza mu rukiko bigaragaza ko indishyi asaba zifite ishingiro bityo Radiant Insurance Company Ltd. akaba ikwiye kumuha amafaranga y’ igihembo cy’ avoka 800.000, ikamusubiza n’ igarama yatanze arega ringana n’ amafaranga ibihumbi mirongo itanu (50.000).
Urukiko rusanga Radiant Insurance Company Ltd ikwiye guha XXXXXXXXXX Xxxxxxx indishyi z' ibangamirabukungu , iz'ibangamira ry' uburambe ku kazi , iz' ibangamira ry' uburanga , iz' amafaranga yakoresheje ,agura dosiye , ibyemezo no kwivuza zingana na miliyoni icyenda n’ ibihumbi xxxxxx xxxxx na mirongo inani birindwi n’ amafaranga xxxxxx xxxxx na mirongo itandatu n’ arindwi ( 9.287.267).
8. Amafaranga muri rusange Radiant Insurance Company Ltd. Igomba guha Xxxxxxxxxx Xxxxxxx
[16] Urukiko rusanga Radiant Insurance Company Ltd. ikwiye guha Xxxxxxxxxx Xxxxxxx indishyi z' ibangamirabukungu , iz'ibangamira ry' uburambe ku kazi , iz' ibangamira ry' uburanga , iz' amafaranga yakoresheje ,agura dosiye , ibyemezo no kwivuza zingana na miliyoni icyenda n’ ibihumbi xxxxxx xxxxx na mirongo inani birindwi n’ amafaranga xxxxxx xxxxx na mirongo itandatu n’ arindwi ( 9.287.267).xxxxxxxxxx y’ igihembo cy’avoka kingana n’ ibihumbi xxxxxx xxxxx ( 800.000 ) no kumusubiza amafaranga y’ ingwate y’amagarama angana na 50.000 frw yatanze arega.
III.ICYEMEZO CY’ URUKIKO
[16] Rwemeje ko ikirego rwashyikirijwe na Xxxxxxxxxx Xxxxxxx gifite ishingiro kuri bimwe .
[17] Rutegetse Radiant Insurance Company Ltd. guha Xxxxxxxxxx Xxxxxxx indishyi zingana na miliyoni icyenda n’ ibihumbi xxxxxx xxxxx na mirongo inani birindwi n’ amafaranga xxxxxx xxxxx na mirongo itandatu n’ arindwi ( 9.287.267).
[18] Rutegetse Radiant Insurance Company Ltd. guha Xxxxxxxxxx Xxxxxxx amafaranga y’ igihembo cy’avoka kingana n’ ibihumbi xxxxxx xxxxx ( 800.000 ).
[19] Ruyitegetse gusubiza Xxxxxxxxxx Xxxxxxx xxxxxxxxxx y’ ingwate y’amagarama angana na
50.000 frw yatanze arega , itayatanga ku neza uru rubanza rubaye indakuka akavanwa mu byayo ku ngufu za Leta.
NI UKO RUKIJIJWE KANDI RUSOMEWE MU RUHAME NONE KUWA 13/02/2016 N’URUKIKO RWISUMBUYE RWA HUYE .
Sé | Sé | ||
NIYIKIZA | Xxxxxxx | XXXXXXXXXX | Annonciata |