The law is more complex than I perhaps made it seem. The car's insurer can for example sue the bicyclist afterwards to get some money back if they think they ca

The law is more complex than I perhaps made it seem. The car's insurer can for example sue the bicyclist afterwards to get some money back if they think they can prove something (but they have to pay first, that's the default). There's also a provision that it doesn't apply for knowingly getting into a dangerous situation (but, on the other hand, if a bicyclist runs a red light thinking it's safe, this provision wouldn't be triggered). I haven't heard anyone call it ridiculous before, so it's probably down to me not explaining it very well or not knowing all the details. It's also not a law tailor-made for bicyclists, it applies to all 'vulnerable road users', i.e. pedestrians, skaters, also passengers in cars...