Comment by danieldk

If its clearly the biker its still 0% for the car.

It's a bit more complicated than that. The car is only 0% responsible in the case of 'force majeur'. Which means that it was impossible for the driver of the motorized vehicle to avoid the accident.

https://news.ycombinator.com/item?id=41625337

Quoting it here:

I briefly studied law in the Netherlands and it was used as an example. Our lecturer told us that if "A person on a bike would jump out of an airplane on a bike, land with a parachute on a highway and get hit by a car, just maybe would the car have a case." The reasons for this are varied. Cars are insured, bikes are not. But most importantly, in basically all traffic situations with cars and bikes the car introduces the danger and should thus bear the responsibility of any accidents.