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I suppose if you're cycling around in the dead of night on a full black bike with all black clothes and no lights and you get hit by a car, it sort of is your own fault. If you get hit by a car riding a normal bike, wearing normal clothes, without a reflective ankle bracelet in the day time it's the driver's fault.
It would be hard to legislate that, really, so I suppose a law with some wiggle room is the best way to deal with it.
The level of my responsibility for a given accident could therefore be altered by whether I was
wearing a reflective ankle bracelet. Great.