Respectfully, an article from four years ago that I cannot read in full without creating an account, which seems to just reference a calculator from FT that is over a decade old at this point (whose sources I also cannot seem to find) doesn’t impress me. Do you have anything more recent, preferably that sites sources, that you can share? I’m genuinely interested in what data is actually worth
I mean, if a car doesn’t see a cyclist until the last moment, swerves to avoid it, and hits something else, the cyclist being there created a dangerous situation for the driver.
Even just considering a driver hitting a cyclist, the driver still has to live with that outcome for the rest of their life. Unless your expectation is that the driver is a psychopath who only cares about the condition of their vehicle, which I suppose is a possibility.