> if car and a bike have an accident, by law, it is automatically the fault of the car, no matter what. Even if the person on the bike is drunk, driving in the wrong direction, etc.

Both drivers and cyclists seem to believe this, but it is an exaggeration. The law says a court may decide to hold your (mandatory) liability insurance liable for some of the damage 'without having to prove your guilt'. It does not say you get the blame no matter what the pedestrian or cyclist does. At the same time, you can still sue the cyclist or pedestrian for damage to your car.

http://www.anwb.nl/juridisch-advies/aanrijding-en-dan/aanspr...