Just a nitpick, a car driver is by default 50% liable when involved in an accident with a weaker road user (cyclist, pedestrian, skateboarder, etc). That just means their liability insurance will have to cover the costs.

For most crashes and/or road traffic accidents, no "fault" is usually determined, FAFAIK.

The funny detail is that cyclists can choose to prosecute the car driver if they want the car driver to take on 100% liability, and in that case fault will be determined. But if a judge then finds the cyclist at fault, the car driver's liability decreases to 0% and the cyclist gets nothing.