This proposal has got nothing to do with guilty until proven innocent.
Strictly, yes. AFAIK only criminal courts pronounce on guilt or innocence and this relates to civil law of tort.
However, what it proposes to do is effectively to reverse the burden of proof.
Standard procedure in English courts is that the plaintiff must prove (on a balance of probability) that the defendant caused him some loss (usually through negligence in this type of case) for which the defendant is liable to provide recompense, or damages. Strict liability, which is what the proposal is about, suggests that the defendant must provide restitution unless he can prove that he was
not responsible for the loss.
As I understand it:
Accident happens between a car and a bicycle. Cyclist is injured. Cyclist makes claim against the motorist's insurance for damages (loss of earnings, repairs to/replacement of the bicycle, etc.).
Current situation
Insurance company refuses to pay. Cyclist takes the issue to court and has to prove that the driver's negligence caused his injuries.
Proposed situation
The insurance company is required to pay out. Insurance company takes the cyclist to court to prove that the cyclist's negligence caused the accident, not the motorist's.
The court then apportions liability and damages on that basis.
Especially in the absence of witnesses, the defendant is in a stronger position in either situation as there may not be sufficient evidence to substantiate the claim of the plaintiff. Moreover, since court cases are expensive, Insurance companies would probably be more likely to not pursue legal action to defend their clients and simply pay the claim, with a knock on effect on premiums for the motorist.
Where the bar is set for the liability of the injured party (cyclist) would be in the detail of any legislation. It might be that the motorist would have to prove that the cyclist was extremely reckless and the sole cause of the accident before they could avoid the claim.
In some jurisdictions even this may not be enough. I believe in Belgium, persons under 14 are specially protected as victims and there is no way for the driver to avoid the claim, however little they contributed to the accident. In France this encompasses those under sixteen and over seventy years of age and those at least 80% disabled.*
In Greece, the owner of the vehicle is ultimately liable, even if he was not driving the car at the time of the collision. As mentioned earlier, in France, it seems that only a determined suicide by the victim will avoid liability.
[source:
The Common European Law of Torts by Christian Von Bar]
How this would pan out if it were a claim between an uninsured cyclist and pedestrian would be interesting to see.
e2a: Also mentioned up the page: English Common Law does operate in a rather different manner to the Civil Codes of many other European countries - which are highly regulated by Statute from first principles. Shoe-horning approaches from different legal systems could pose difficulties in our framework.
* maybe this is a case for compulsory carrying of RFID enabled ID cards so that motorists will know which people to avoid by scanning the road ahead
