Not true, young padawan. I personally hit a jaywalker one time and didn’t even get a traffic citation. She was crossing against the light, at night, in a pounding rain, and apparently hadn’t bothered to look. I wasn’t quite able to stop in time. Witnesses confirmed my story and contradicted hers (that she was in the crosswalk with the light in her favor). If somebody disables their own hearing it’s on them, but if they claimed not to hear you and your car was in fact not making any sound because you disabled it (in violation of federal law) it would be on you.