The American approach is just idiotic all around. It gives plenty of plausible “accident” explanation given crappy road designs and the lack of will to fix them.
I tell my kid that it will be the car’s fault if they hit you when you are walking out into the street behind some parked cars, but even if they pay some money you’ll still be dead. This is not just about cars being liable (like seriously, get rid of on street parking if you are going to have lots of cyclists and pedestrians on that busy through fare, Seattle sucks at this).
See eg https://www.nytimes.com/2013/11/10/opinion/sunday/is-it-ok-t...