In NL, world famous for its cyclist-friendly policies, whenever there is a car / bicycle collision, the car driver is ALWAYS responsible, even if the cyclist ignored a red light or whatever. The driver will always be safe, but they are operating heavy machinery, so it's up to them to keep safety of the more vulnerable road users in mind.

That said, around where I live, car / cyclist collisions are still pretty frequent; I live in an area with a lot of roundabouts where cyclists have right-of-way, but because of angles, darkness, rain etc, visibility of cyclists is often very low.