I don't believe this is harsh at all. If anything totally reasonable. I can't believe we do not have laws in place to hold people to a higher level of accountability when they are involved in an accident where they kill or severely injury someone. Especially in a case such as this. I only saw a frame grab of the position of the bike and the SUV. To me it was quite obvious the driver of the SUV was at fault.
The biker appeared to be also breaking a law (riding in the HOV lane with a single rider) but that has no bearing on the crash. She could have been two-up and the SUV still would have crossed the solid line because they didn't feel like waiting. I would hope that courts and insurance would consider her 0% at fault (unless she was also speeding in which case she may be a small part at fault), but who knows how it would play out. Do H-D have crash loggers in them?
I'm also all for Brian P's solution. I think it is a very reasoned response to people that obviously don't know or don't care about how they drive.