The drivers action initiated the event. The rider's actions caused the outcome.
The driver has failed to see a group of riders in grey riding in and out of the shade from the trees, or not recognised how fast they were travelling, so a misjudgement on their part.
The cyclist in this case appears to have grabbed a handful of his probably very high spec front brake, tripped over his own feet and then been clipped from behind. The result of this is he's launched himself over the handlebars, while his riding companions have all managed to stay upright.
If he'd taken the 10 minutes required to insure his bike, then his insurance company would take up the fight to pay for the damage, if it was deemed the car driver was at fault.
As previously posted maybe a fine is in order for the driver for the unsafe driving, but the cause of any damage was the cyclist reacting poorly and throwing themselves down the road, so the cost of their actions rests with them.
I've had a few occasions when cycling where cars have pulled out in front of me, fortunately at worst I've ended up is leaning on the side of theiir car looking in the window at a startled driver, but have managed to not panic grab the brakes and create my own accident before even getting to the car.
The safety messaging has been around for a long time, make yourself visible, ride to the conditions, the bigger the speed the bigger the mess.
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