i don't understand people posting saying that you'd still get charged if they walked out in front of you- as long as you weren't driving through a red light or a crossing, speeding or drink driving then i don't see what you would be charged for-its not your fault if someone decides to throw themselves in front of your car at the last minute, you can't magically grind the car to an absolute halt.
to your point about learners and careless driving, learners can still be charged for careless driving and be given speeding penalties-in the eyes of the law a learner should be extra careful and should never be going over the speed limit if they don't even know how to handle a car properly.