pekak > Car damages aren’t more difficult than “bull fighting”. The basis for nezikin is the beginning of Bava Kama.
Yes, you can take your car damage case to a talmid chochom and he might be able to apply Bava Kama to your car bumper by looking at responsa as you are saying. This is not the usual way. Just several hundreds years ago, a Jewish farmer would (or at least could) know what to do what he will owe when his cow eats neighbor’s grass and would also know to take care that this does not happen. Nowadays, there is no “mishna” that teens could learn before getting a driving license. Just for comparison – how often you see someone in a “frum” levush eating a cheesburger – not often, right. How about driving reckelessy? Pretty often. This is not only due to the haraas shaaa that we need to be “frum” first and middos later. In older times, such person would have his cow “muad” pretty quickly and he would be responsible for damages. In our times, nobody is going to take him into a beis din (as far a I know, prove me wrong!) – his insurance will pay. Also, car damages are happening less often but with more damage, I think (although maybe I never met a raging bull).
A little example how shallow our halachik knowledge is nowadays: I was listening to a yeshiva rov teaching halochos of washing/hamotzi/benching in an airplane – even if the meal says “mezonos” and even as only benching is meduaraita, if this is your real meal – you should do all 3. I asked him – if there is an inyan of bothering people (and also of those people who can read “hamotzi” and then see you bothering them anyway) – would it follow that benching is still a hiyuv, but one can skip washing? He said “good question”, thought for some time, and said “if so” [which I read – if you are so sensitive], then you should wash and start eating in the airport. My observation here is that our rebbeim did not yet collect all these halochos into one coherent set.