Sadly, Jeff, I think you're right. Several years ago, on her way to work, my wife was driving sedately through a recently built housing estate with grass verges at least 40 feet wide between road and houses on both sides. Except for one spot, where an old pub had been left at the roadside ... with an enclosed bus-shelter right outside. She knew the road well, but despite this still encountered a kid wearing a "Parka" (in June!) who walked straight out from behind the shelter. The hood was even more efficient than a "walkman" at obliterating his senses and he bounced off the front nearside of the car bonnet and wing. Fortunately for him ... and my wife ... there was an ambulance parked a little way up the road on the other side. The driver saw what happened and ran over to help. He gave my wife his card and said that he would be her witness to the fact that she was entirely blameless for the accident. The ambulance immediately took the kid to hospital, with a broken leg and bruising. My wife's insurance had to pay an emergency medical fee of £25 and, following the car repairs, they tried to reduce her NCB and collect an excess of £50. After a good deal of heavy correspondence from me, they relented on all of this. We moved the insurance cover shortly afterwards. Happily, the kid was OK and the Police never got involved, otherwise ... who knows what might have happened. And that was without a "walkman".