This is honestly why I tell people commuting to work to get moto gear. Having an impact rated helmet and pads, padded hard knuckles, and your countries self defense option of choice tucked in your jacket is the only real insurance policy for murderously negligent cagers. Bike helmets aren't suitable for road riding. Although I don't know if CE back armor would help a man who got hit hard enough to "[tear] his body apart". Although I suspect thats more describing the severe road rash that requires expensive moto gear to prevent.
Unseriously:
I as a patriotic American keep a 200. caliber AT hand mortar on me for all my bike rides for self defense reasons.
Do you have any experience in the moto world? There at mesh garments, ie summer gear, that have CE rated padding; primarily, jackets, gloves, and boots. The butt and knee padding in some moto pants might even make your ride more comfortable.
I'm not suggesting people swap their lycras for leather. Bicycle gear as a category is not roadworthy. There is suitable gear, especially in the moto gear category, that is. Especially for ebikers.