Correct answer
Yes
Yes. Under article 2, road users must avoid danger, harm and unnecessary inconvenience, and drive carefully. Adapt speed to avoid preventable splashing as well as loss-of-grip risks. A penalty depends on evidence of the conduct and circumstances; it does not require a personal complaint from the pedestrian, nor does every unavoidable splash automatically constitute an offence.
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Yes
No, it is not an offence because that is the correct way to proceed
It is not an offence, but it is a serious lack of manners
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