Insurance Covers 27,000 Yuan for E-Bike Rider Injured in Intersection Collision

An electric bicycle passenger injured in a collision with a car at an intersection has recovered compensation through compulsory traffic insurance. The case shows how insurance coverage works when fault is shared between a motor vehicle driver and an e-bike rider.

In December 2011, a driver making a left turn at an intersection struck an electric bicycle traveling in the opposite direction. The e-bike was carrying a passenger. Both the rider and the passenger were injured, and the bicycle was damaged.

Traffic police determined that the car driver bore primary responsibility, while the e-bike rider carried secondary responsibility. The passenger was found to bear no fault.

The passenger was hospitalized for 16 days with total medical expenses of 27,468 yuan. The e-bike rider claimed vehicle damage of 250 yuan plus towing and assessment fees. The car driver had already paid 1,000 yuan to the injured passenger.

The insurance company agreed to pay within compulsory coverage limits but disputed some claim items. The car driver accepted liability and offered to pay according to the traffic police determination.

The court found that compulsory traffic insurance should apply without strict sub-limits between medical, disability, and property categories. From the perspective of protecting the lives and health of accident victims, the court held that the full 122,000 yuan compulsory coverage limit should be available for legitimate claims.

The court confirmed the passenger’s medical expenses at 27,468 yuan and hospital meal subsidies at 48 yuan, totaling 27,516 yuan, which fell within the insurance coverage limit. The insurance company was ordered to pay this amount in full. A small copying fee of 10 yuan was allocated to the car driver at 80 percent based on the primary responsibility finding.

For the e-bike rider, the insurance company covered the 250 yuan vehicle damage. Remaining costs for assessment and towing were split between the parties according to their respective fault shares. After offsetting the car driver’s inspection fees against the rider’s secondary liability, the driver owed the rider an additional 28 yuan.

This case illustrates that compulsory traffic insurance provides meaningful coverage for non-motorized road users injured by motor vehicles, and that courts take an expansive view of coverage limits to maximize victim protection.

Disclaimer: This article summarizes a court judgment for educational purposes only and does not constitute legal advice.