请教: 老公夜晚骑自行车被车撞伤,明天手术,

老公直线走,车左转没看见他.警察给老公一罚单 because his bicycle without flashlight.He almost lost his consciousness after the accident happened.我们该如何处理这起事故和老公的医疗费.
此罚单 is same as 汽车罚单吗? 影响我们的汽车保险吗?