It's really just another example of cops in the US choosing to not do their job. We have plenty of laws on the books that could punish inattentive or reckless driving especially when it results in a severe outcome, but that would require a cop to open an investigation and all that noise so they just write up a report for your insurance and try to get you to believe there's nothing else they can do.
The complete inefficacy and refusal to do any work of most american police departments is absurd. It's like they still believe their primary mission to be slave retrieval and violently suppressing strikes, as if it's still 1890.
It's a huge contrast between the US and European approach though.