> No matter how hard you try, if its a problem with the driver the car will always win.

Which is why we have the "Betriebsgefahr" (operational danger) in Germany. Hard to explain, but it boils down to "You're operating something that is inherently very dangerous. So you will be held responsible to some degree when something goes wrong, even when its not your fault. You accept this responsibility by driving a car"

It's obviously way more nuanced than that, but generally if you hit a bycicle with your car (with no fault on your side), there is a very good chance that your insurance will have to pick up some slack as well, depending on the circumstances.