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Dutch person here. I believe the driver is at fault, unless it can be proven that the cyclist had a serious part in the crash.

Having said that, there is significant effort made here to just reduce conflict points between modes of transport. No law can help you if you're dead.

This makes sense, even though I'd be on the receiving end of that, being the guy in the car. I'm assuming the actual text of the law is a little more nuanced, being written more in terms of responsibility to act to avoid the accident.

Despite appearances cars are far more agile than anything else on the road, and even if a biker makes the initial mistake, a driver has the biggest toolbox to mitigate or completely avoid the accident. This is something to be aware of when sharing the road with motorcycles as well.

That seems short-sighted, if the "weaker" party can still cause the incident. If a bike swerves in front of a car, they are to blame regardless of how strong the car is.