Let me put it this way. Every day, the riders of the US delegation have to deduct 3 yuan to buy insurance. He only reported the accident when the rider received a food delivery. If the food delivery rider has finished the previous food delivery. 100% of the accidents at this time shall be borne by the rider himself. If his electric car or motorcycle buys a strong insurance. Then his car insurance will bear part of it. He will bear the rest himself. If his car doesn't even have insurance Then all the expenses will be borne by him. You have to ask the details. Moreover, Meituan riders can check the insurance issued on the same day on their own platforms! So there must be something wrong with this link.