Aerial view of a city intersection at night with rings of orange and purple light rippling out from one point

The Momentum Papers · 06 of 15 · Insurance and ESG

One junction. Six claims.

A serious junction crash does not trigger one insurance claim. It cascades across six lines at once. In the US, about half of all traffic injuries happen at intersections, and global motor premiums run to around a trillion dollars a year.

The insurance cascade

One crash, six policy events

A serious collision at a junction is a multi-line insurance event, often spread across several insurers, jurisdictions and years of claim handling.

01 Motor

Vehicle damage, repair or write-off, third-party liability and hire vehicles.

02 Health

Emergency response, surgery, treatment and rehabilitation, sometimes for years.

03 Life

Death benefits where a fatality occurs, often across several policies.

04 Income protection

Lost earnings during recovery or permanent disability: a long-tail liability.

05 Employer’s liability

Shared exposure where the journey was work-related.

06 Public liability

Exposure for authorities and infrastructure owners where road design contributed.

The scale

Where the claims start

~$1TGlobal motor insurance premiums a year
~50%Of US traffic injuries happen at intersections
6Policy lines a single serious crash can trigger
Cost categoryWho bears itIndicative global scale
Motor damage and liabilityMotor insurersHundreds of billions
Medical treatmentHealth systems and insurersHundreds of billions
Life claimsLife insurers and familiesSignificant
Income protection and disabilityIncome protection insurersSubstantial, long-tail
Legal costs and compensationLiability insurersHundreds of billions
Infrastructure design liabilityAuthoritiesEmerging

Indicative ranges. Intersection injury share: US Federal Highway Administration.

The at-grade junction is one of the largest generators of claims in the motor insurance system, and its effects reach into health, life, income protection, employer’s and public liability at the same time.

The human cost

What no claim can pay for

Insurance puts a price on a crash because it has to. But a payout cannot replace a person. A family that loses someone at a junction does not get them back, and the pain, the empty chair and the years that follow are not losses any policy can settle.

There is another person in every one of these crashes: the driver. Many are not reckless, just human, glancing at a touchscreen to change a setting, following a navigation prompt, or reaching for a phone. A moment’s distraction that would have been harmless on an open road meets a person on a crossing. That driver has to live with it for the rest of their life, and no compensation fixes that either.

Cars now carry more screens and controls than ever, and phones are never far from a driver’s hand. Asking every driver to be perfectly attentive, at every crossing, every time, is asking the impossible. Designing the conflict out is not.

At a free-flow junction, people on foot and bike pass beneath the traffic in daylight, on their own level. A distracted driver and a pedestrian are never in the same place at the same time, so a lapse of attention does not become a tragedy.

Some losses cannot be insured, only prevented. Separating people from traffic by design is how a junction prevents them.

The investment case for insurers

Why insurers should fund the fix

Insurers have long been passive bearers of infrastructure risk, collecting premiums to cover the losses that road design creates. Umpireal offers a different relationship: an insurer can take equity in a node SPV and help remove the conflict points that generate its claims.

Financial return

  • Income from the node, anchored by Colocation rent for the AI compute housed in the structure
  • A long-life infrastructure asset with a 100-year design life

Claims-reduction return

  • Fewer conflict points at the junctions it helps replace
  • Potential reductions across motor, health, life and liability lines

Free-flow junctions also cut fuel waste, CO₂ and brake wear, and every node is permanent, measurable and reportable for ESG purposes.

An insurer investing in a free-flow junction is investing in fewer of its own claims.