Earlier quoted context omitted.
Dutch law has a nice solution: liability correlates with weight. The more weight you put on the street, the more explaining you have to do, because you chose to potentially cause more damage. In a collision, the weightiest vehicle therefore is by default liable, unless they can prove otherwise. This means that in bicycle-car accidents, drivers almost always pay, and in bicycles pedestrian accident the cyclist.
> you chose to potentially cause more damage Seriously? I surrounded myself with a metric ton of rigid metal and bazillion safety systems (and pay ridiculous sums for that, mind you) to protect myself and my family in a deadly environment. Cyclist chose to go there practically naked. And before you say it's not a "deadly environment", it's "deadly people" - that's mostly false. Any human has limits to reaction time,…
Fortunately hospitals here are accessible by both bike and public transport, and there are insurance provided taxi's for people who can't use them but do have to get to a hospital.
But, none of this means you can't drive a car. It just means by doing that you accept the appropriate responsibility, which plenty of Dutch people do every day! We are known for bikes, but the truth is that we are also amongst the biggest drivers (in terms of distance) in Europe.