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 HABIMANA Robert ubwoko 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 HABIMANA Robert yagombaga 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 HABIMANA Robert Robert 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’uko ayo mafaranga yishyuwe koko. SAHAM ikaba rero isaba uru Rukiko gukora iperereza kuri iki kibazo kuko ubu bukode butarishyuwe mu by'ukuri. [16] HABIMANA Robert yiregura asobanura ko indishyi zasabwe n’izishingiye ku kutagoboka HABIMANA Robert nkuko 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] HABIMANA Robert akomeza 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 aho 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’o...
