"How does a driver making a turn into the path of the motorcycle become Ben's fault? Did Ben intentionally hit the car?"
Easy, Ben was inexperienced. He did NOT have respect for the intersection. He entered that zone with mind of cager.
He left that zone with "intersection allergy" of an experienced rider.
Two kinds of rider: them that been down, them that are going down.
The first respects the intersection, and believes the oncoming is aiming. The second trusts oncoming traffic.
That's why helmets are still required in PA.
If you have the experience, then we say, you have the option to ride without.
Uh, no they're not.
Ouch ........... well said.