Core Viewpoint - The rapid growth of the food delivery industry in China has led to significant issues regarding the use of over-standard electric vehicles by delivery personnel, resulting in insurance claim difficulties when accidents occur [1][2]. Group 1: Insurance Claim Difficulties - Many delivery personnel face challenges in obtaining insurance compensation after accidents involving over-standard electric vehicles, as these vehicles are often classified as motor vehicles by traffic authorities, leading to insurance companies denying claims based on "driving a motor vehicle without a license" [2][7]. - In 2025 alone, over 450 cases were found on the Chinese court document website where delivery personnel were denied insurance claims due to the classification of their vehicles [7]. - A notable case involved a Meituan delivery rider whose insurance claim was denied after a fatal accident, but the court ultimately ruled in favor of the rider, ordering the insurance company to pay [4][6]. Group 2: Characteristics of Over-Standard Electric Vehicles - The Ministry of Industry and Information Technology reported that the total number of electric bicycles in China has exceeded 350 million, with many delivery personnel relying on these vehicles for their work [10]. - Delivery personnel often modify their electric vehicles to enhance speed and efficiency to meet platform algorithms and delivery deadlines, leading to vehicles that exceed legal speed limits and technical specifications [10][11]. - The legal definition states that electric bicycles must not exceed a speed of 25 km/h, a power of 400 watts, or a weight of 55 kg; exceeding these limits classifies them as motor vehicles, which complicates insurance and liability issues [11][12]. Group 3: Solutions to Insurance Claim Issues - Legal experts suggest that platforms, delivery personnel, and the insurance industry must collaborate to improve the insurance system, enhance awareness, and optimize service to protect the rights of delivery personnel [12][13]. - Recommendations include developing specialized insurance products for delivery personnel, clarifying insurance terms regarding vehicle classification, and ensuring comprehensive coverage for various risks associated with delivery work [12][15]. - Recent regulatory actions in cities like Shanghai and Guangzhou aim to address the issue of over-standard electric vehicles, with measures to penalize illegal modifications and improve safety standards for delivery personnel [14][15].