Have you not seen what happens in some parts of the world where people throw themselves in front of vehicles as a form of insurance fraud? And you want to extend that to make the driver guilty of a crime when that happens?
I live in germany, traffic law works like that here, and the insurance fraud you mention is not known here. Not sure why. Maybe because of other aspects of the law culture here.
Maybe because you don‘t get a lot of money if you get hurt, so it doesn‘t pay off?
Because you rarely get damages above 50k for even severe injuries.