Vulnerable road users — whom you give way to

What the rule isWhere it goes wrong
Pedestrian on the crossingArt. 49(2): you give way to pedestrians and users of a disabled person's vehicle who are crossing OR are clearly about to. Two exceptions: a military convoy or funeral cortege (art. 49(3)) and a red pedestrian light or the flashing amber of art. 74(2) (art. 49(4)).Waiting until someone is already on the road. The law also names whoever is “clearly about to” cross — the duty starts at the kerb, not on the asphalt.
Blind and mobility-impaired peopleArt. 49(1): blind people with a WHITE STICK bearing one or more RED RINGS, and everyone else who moves with difficulty — always give way.Tying this duty to the crossing. Paragraph 1 names no place: it applies everywhere on the road, crossing or not.
Overtaking at the crossingArt. 12: you may not overtake just before or on a pedestrian crossing. Unconditionally.Driving past a car stopped at the crossing. That is exactly the situation where someone steps out from behind it.
Boarding and alighting passengersArt. 52: to pass a stationary tram or bus on the boarding side you must give the passengers the opportunity.Thinking only of trams. The text names tram and bus, and the boarding side can be on the left — with a tram in the middle of the road.
Loose livestockArt. 51(1): riding or draught animals and livestock may not roam the road unattended. The duty lies with their keeper.Thinking it is not your problem. For the driver art. 19 still applies: you must be able to stop within the distance you can see to be clear.

The law itself

RVV1990 art. 49 lid 1RVV1990 art. 49 lid 2RVV1990 art. 49 lid 3RVV1990 art. 49 lid 4RVV1990 art. 52RVV1990 art. 12RVV1990 art. 51 lid 1

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