一年半前无驾照骑scooter被撞头上伤了个大口子还能索赔吗?买保险的时候还说这起事故我是at fault, 美国这么偏向汽车吗?国内都是偏向非机动车

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(d) Operate a motorized scooter without a valid driver’s license or instruction permit.

(b) Operate a motorized scooter on a highway with a speed limit in excess of 25 miles per hour unless the motorized scooter is operated within a Class II or Class IV bikeway, except that a local authority may, by ordinance or resolution, authorize the operation of a motorized scooter outside of a Class II or Class IV bikeway on a highway with a speed limit of up to 35 miles per hour. The 15 mile per hour maximum speed limit for the operation of a motorized scooter specified in Section 22411 applies to the operation of a motorized scooter on all highways, including bikeways, regardless of a higher speed limit applicable to the highway.