Yes, you can now sue a 4-year-old for negligent bike riding

There's never such a thing as a coincidence, everything that happens is ordained and brought about by mystic forces.

There's never such a thing as an accident, someone always needs to be at fault and punished.

Some people tut, sigh, and shake their heads, but it seems inevitable that people will try to assign blame and receive reparations for what in earlier times would have been called accidents. Insurance companies get away with clauses about "Force Majeure," but they have money to make sure the law-makers listen to them.