About 15 years ago, my oldest son was driving his Suburban at night up a long hill on a street near our local university (WWU). As he approached the intersection where he intended on turning left, he put on his turn signal, seeing no one coming the other way he turned and then BAM he was hit in the front end by someone on a bicycle at high speed, coming down the hill, with no lights. The rider went flying across his hood landing on the curb, suffering a compound fracture of her leg. There was a fire hall with an EMT right across the street. They responded an a matter of minutes and the police arrived.
Fortunately there were also two pedestrians who were walking up the sidewalk who witnessed everything and stuck around till the police arrived. After a brief investigation, on the scene, Julian was sent on his way, while the bike rider was given a ticket for failure to display the legally required lights on her bike at night.
Without the presence of eye witnesses, the outcome may have been quite different.
A month later, he got a call from an insurance adjust for the injured girl's, father's insurer, demanding he pay over $30,000 in damages. We went down the police dept, and got a copy of the accident report, which clearly put all the blame on the cyclist. I sent the guy an email with a copy of it telling him that any further communcation will be responded to by an attorney. That was not enough to discourage him. He kept trying to intimidate my 20 year old son into accepting some degree of responsibility. Finally I had a lawyer friend write a go screw yourself letter and that was the last we heard from him.
Julian, with the image of the loud bang and then the shadow flying across his windshield, was so traumatized that he sold his Suburban, bought a bike and didn't drive for almost another year.
Frankly, I think that there should not be neither a presumption of responsibility nor innocence for either motorist or cyclist. Let the facts dictate who has to assume responsibility with no initial bias.