Wouldn't it be great if we had cycle friendly countries with legislation to protect us like in Holland.........no wait a minute, has anyone tried cycling through the rush our in Amsterdam.
If i was a car driver in Holland I'd be super pee'd off with the system that says its my fault if I'm involved in an accident involving a cyclist regardless if it was the cyclists fault. A lot of Dutch cyclists I've observed (this leaves out those I've not observed thus preventing the accusation of a national targeted sweeping statement) are law breaking nutters. They pile along the streets on one braked tons of scrap iron often straight through red lights, texting or talking on their mobiles, no helmet, often no lights sometimes frankly oblivious to danger. Safe in the knowledge that they'll always be viewed as the poor wee victim of the nasty car driver. I for one do not want that system in the UK.
We all need to take responsibility for transporting ourselves by whatever means responsibly, courtiously and safely.
I can't speak for the Netherlands.... But certainly in Denmark I think you've totally got the wrong end of the stick about what we call "objective liability". Basically - as third party insurance is a legal requirement for motorists, but not for cyclists - then this is the way of sorting things fast and simple for the "weaker" party. But if negligence, culpable behaviour or whatever - then the insurance companies involved can battle it out afterwards - and usually outside of a courtroom, using precedent, case history and agreed practice as legal basis.
The texting-while-cycling and wotnot is a permanent feature of Danish urban cycling - but I don't think that your line of reasoning enters into the equation atall. Some people are just dim.
By the same reasoning - if I crash into another Danish driver when I'm in my car, then we cover each others' costs - by rule of thumb. But then the insurance companies agree on the settlement by apportioning blame.
Basically this is just to get people up and running again, as fast as possible - and the financial aspects just get tied up in the aftermath.
So if the Dutch have a similar model to the Danish one, I think you may be missing the point slightly.
Completed: 94 Stumpjumper w. M733; ; 92 Dave Yates 731 ; 97 Parkpre Pro-Elite ; Pace RC200 F6 ; Pace RC300; 82 Gios Super Record ; 97-8 De Rosa Giro D´Italia; ; Banani SPX Track bike ; 89 Alan/Mavic Cross Bike ; 05 Focus Cross Team ; 90 Look MI-80 all-Mavic ; 12 Focus Izalco Team/custom build ; 11 Focus Thunder Custom build
Projects : , Brouwer all-Mavic
Stripped : Pace RC303
Gone : GT Karakoram
Stayed in the family: Kuota Kharma, 04 Stumpjumper FSR
Ceased to be : Dynatech MT3, killed by corroded seatstays.