Sorry to hear that you've suffered the same way, Harry. Although I have the greatest sympathy for the pedestrian, it seems that the only reason I'm being sued is because I've paid for insurance.
As the pedestrian was, apparently, uninsured (which may seem obvious, but some household policies provide third party cover) I will have to pursue him personally for my uninsured loss (which was substantial, as I had already done a deal on a new car just before the accident, so all told I lost out to the tune of a few thousand pounds.
My simplistic view would be that all road users should be treated equally, whether they be driving cars, riding bikes or walking/running. I can't for the life of me see why any one category of road user should be treated differently to another, except, perhaps, with regard to "give way" rules at junctions or crossing places.
It seems that insurance companies pay out on the basis of it being cheaper than going to court, even if they know they would win. Unscrupulous personal injury claims lawyers take advantage of this and advise their clients to sue, even if their client is wholly in the wrong.
The most bizarre case I've heard of was that of a colleague. His car was parked, perfectly legally, on the road. A pedestrian walked into his parked car, fell over and broke his leg. Believe it or not his car insurance paid up to the chap. It's no wonder that car insurance premiums keep going up.
Jeremy