[Henk]

Here in the Netherlands cyclists are legally entitled to do anything they want, well almost.

If you hit an under 12 (or 16) the insurance will not pay your damage at all. In all other cases you have to prove that the accident could not be avoided, almost impossible. So you would end up with 50% of the damage. 

All to protect the cyclists from getting hurt. While you only have a dent in the car, the cyclist could end up in hospital.