I hit a lady a few years ago (on the bike). I was in a long moving queue of traffic between a car (in front) and a wagon (to the rear) all doing about 30mph in a 40mph zone. As I approached, she was looking right at me (so I thought, but it would appear it was the wagon behind me actually). Despite the fact that I was wearing a full fluoro jacket, when I got to about 5 metres away from her she just ran out in front of me... did all I could to avoid her but with the road being really greasy, I unfortunately clipped her with the right hand side of the front fairing as the bike went down.
She was really apologetic... sorry love didn't see you... all my fault.. God, look at your bike, I'm so very sorry etc etc etc
Next day I got a phone call from the insurance and she'd completely changed tack... "Yes, he was definitely speeding... overtook the lorry and wasn't there when I looked blah blah blah"
Thankfully the wagon driver witnessed evrything and his statement confirmed that I hadn't stood a chance of avoiding her.
God I really wish I'd hit her harder, lol
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