IANAL, but actually it's even stronger. If the cyclist/pedestrial is at fault, the car driver is normally responsible for 50% of the damage. The reason is that a cyclist (or pedestrian) has a higher chance of heavy injury due to the mass of a car. The primary exception to this is 'force majeure', which is apparently exceptionally hard to prove [1] (the example that the linked page gives is someone pushes a person in front of a car).

[1] https://www.anwb.nl/juridisch-advies/aanrijding-en-dan/aansp...