I was northbound on Bayview Ave. around Sunnybrook Hospital in stop and go traffic. Looked over to the southbound lanes and saw a person on an e-bike with a mobile up to her ear on a call. She was easily doing traffic speeds, which would have been 40kph - 50kph given the lighter traffic in that direction. Unbelievable! If she got in an accident, what would be the insurance consequences? Definitely, the outcome from any such hypothetical accident would not be good.