air bag on front of the car

[cram_it_frog]

Hi I was watching 5th gear TV show they were discussing the new UK regulations on pedestrian safety cars being designed to reduce injury to pedestrians
They had a car and a discovery3 hit a dummy
the least amount of damage to the dummy was made by the discovery
the cars lower bonnet caused head trama
So they said some people are talking about fitting car air bags to the from of cars

They said laws are changing so quick and the pedestrian is number one and cars must be redesigned so that a frontal impact damage or injuries be reduced

what do think and how will this work who pays for replacement of air bag in pedestrian walk out in front of your car and set it off ?

also will this make insurance even more expensive