Road Safety
IAJ, a trusted voice within the insurance industry
- Road Safety
Safer Roads. Fewer Losses. Stronger Communities.
Road safety is a shared responsibility that protects lives, reduces injuries, and prevents unnecessary financial hardship. The Insurance Association of Jamaica supports road safety awareness as a critical part of risk prevention, public education, and national development.
Why Road Safety Matters
Road traffic accidents remain one of the leading causes of injury, loss of life, and property damage. Beyond the human impact, road crashes create significant financial and emotional strain on families, businesses, and communities.
Practising safe and responsible driving helps to:
- Save lives and prevent serious injuries
- Reduce damage to vehicles and public property
- Lower insurance and healthcare costs
- Protect livelihoods and economic stability
Classes of Insurance
Common Causes of Road Accidents
Many road accidents are preventable. Common contributing factors include:
- Speeding
- Distracted driving (including mobile phone use)
- Driving under the influence of alcohol or drugs
- Failure to obey traffic laws and road signs
- Poor vehicle maintenance
Addressing these behaviours significantly reduces the risk of accidents.
The Link Between Road Safety and Insurance
Motor insurance provides financial protection in the event of an accident, but it is not a substitute for safe driving.
Road safety and insurance work together:
Road safety helps prevent accidents
Insurance helps manage financial loss when accidents happen
Safer roads lead to fewer claims, quicker recovery, and more affordable insurance for everyone.
The IAJ’s Commitment to Road Safety
The Insurance Association of Jamaica supports road safety initiatives through public education, advocacy, and collaboration with stakeholders. By promoting responsible road use, the IAJ works to reduce accidents, protect policyholders, and support safer communities across Jamaica.
Every road user has a responsibility to act safely and responsibly.
Drivers can help by:
Obeying speed limits and traffic laws
Avoiding distractions while driving
Never driving under the influence
Ensuring vehicles are properly maintained
Wearing seat belts and ensuring passengers do the same
Pedestrians and cyclists also play an important role by using designated crossings and safety gear where appropriate.
Road accidents can result in:
Loss of life or permanent injury
Medical expenses and loss of income
Vehicle repair or replacement costs
Emotional trauma for families and communities
Safe driving reduces not only physical harm but also long-term financial consequences.