I'll bet you this is the real cause of the up-roar. And I expect that the amount of the rate hike is unjustified, but is being leveraged an opportunity to increase profits, using cyclists as the scapegoat.

I've never been involved in a case here in the US, but barring a few exceptions, the cyclist is presumed guilty. Or at least, the motorist is let off with little more than a nod and a wink.

There are exceptions. A recent incident in North Carolina comes to mind. An intoxicated driver hit a stopped cyclist, apparently on the side of the road, and "left the scene." There must have been witnesses, because amazingly, the vehicle and owner were located and charged with an assortment of infractions. The cyclist was in critical condition... I don't know the outcome. They may have found some way to fault the cyclist.