Surely the default assumption should be that because a cyclist or pedestrian will come of so much worse, he'll be likely to take extra care to avoid being hit? It is more likely to be the road user who is safest in a collision who causes the collision.
A better approach than assumption of liability for insurance would be to educate courts on these facts; as that isn't going to happen either, we're left with a fairly naff situation in which nothing seems likely to change.
A better approach than assumption of liability for insurance would be to educate courts on these facts; as that isn't going to happen either, we're left with a fairly naff situation in which nothing seems likely to change.