News that a Bronx jury awarded $50 million to a guy clipped by a city garbage truck as he was crossing the street while on his cellphone is just the latest sign of how out-of-whack New York’s liability laws are — and they’re about to get even worse unless Gov. Kathy Hochul vetoes a pack of lawsuit-boosting bills headed for her desk. This legal regime is actually a huge affordability issue: Juries often figure the insurance company can afford to pay big, but insurers then just raise their rates