This! My wife was blindsided from a side road in her car by a motorist who ran a stop sign. Witnesses told the police that the driver had a cell phone up to his ear and never slowed at all for the stop sign. Her car was totaled. She was treated and released the same night, but was sore for weeks and had to take physical therapy as part of her recovery.

All he got was a ticket for running a stop sign, and presumably a higher car insurance bill.

If this had happened on one of our bicycles, or our motorcycle, it would have almost surely been fatal. If not fatal, permanently disabling.