Read Roadcraft. Every RTC involving 2 vehicles could have been avoided if EITHER party had taken a different course of action. To use your example, had the rider been more aware of that particular risk, he may have positioned himself more to the side of the lane, or he may have noticed the car speeding towards him in his mirror and moved. He may have accepted responsibility for his own safety instead of sitting there waiting for an opportunity to scream "car driver at fault" I'm not suggesting that car drivers are never at fault, simply saying that all road users have a duty to look after their own safety, and no matter how "at fault" the other party is, it's small comfort to your family if they have to arrange your funeral knowing that you were somehow "blameless".