Bro,this is subjective. But I know of someone who hit an old lady who was crossing the road and died but the driver wasn't fined or anything. Reason was simple. There was an overhead bridge. He wasn't speeding. All he got was emotional trauma and sleepless nights.
Like you say. If you want to avoid hitting them, got to be more careful when you riding at residential area. Slow down and be more alert. Especially riding beside a bus or large vehicle. You need to be careful if people will dash out. Though technically not your fault but if you speeding then it becomes your fault. So really subjective.
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