Some insurance policies also include coverage for psychiatric treatment and for disposition of remains in the event of death. The information below concerning Nigeria is provided for general reference only, and may not be totally accurate in a particular location or circumstance. Poor Roads are generally in poor condition, causing damage to vehicles and contributing to hazardous traffic conditions. Excessive speed, unpredictable driving habits, and the lack of basic maintenance and safety equipment on many vehicles are additional hazards. There are few traffic lights or stop signs.
Gridlock is common in urban areas.
The rainy season from May to October is especially dangerous because of flooded roads. Night driving should be avoided for several reasons. Bandits and police roadblocks are more numerous at night. Streets are very poorly lit and many vehicles are missing one or both headlights. Chronic fuel shortages have led to long lines at service stations which have disrupted or even blocked traffic for extended periods.