I'm glad it's not like that in the USA. If the bicyclist is breaking the law and causes the accident then they are 100% liable for it in most states. When you choose to use a bike you make choices that have consequences and choose to take risks in the current version of reality. I do feel cities should lower speed limits in heavy traffic areas though and provide far more bike lanes than they do in most US urban areas. I would never ride a bike in most cities unless I knew of a bike path (lane) from source to destination that was clearly marked off.