Yes, you can legally split hairs about it. But the practical upshot is that if you're involved in an accident with a cyclist as a motorist it is extremely likely that you will be held responsible.

That the actual law is more complex is obvious from the 'more or less' bit in the sentence above, it's not black and white but in the vast majority of accidents between cars and cyclists the driver of the car will be held responsible and this is one of the bigger items in keeping the number of such accidents down, Dutch motorists are quite aware of this reality.

And it makes good sense too: assuming a 'minor' accident between say a cyclist that forgot to indicate left and a motorist coming up from behind the motorist will likely do what he or she can do to avoid an accident even if technically the cyclist is at fault because the cyclist will likely suffer extensive damage to themselves and their property whereas the car will probably not suffer any damage at all and the occupant of the car is perfectly safe.

Let me translate the first bit of:

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

which gives a much less hard to interpret view of the legal situation in nl.

"Aanrijding met voetganger of fietser
Wie is er aansprakelijk bij een aanrijding met een voetganger of fietser

Fietsers of voetgangers worden gezien als zwakkere verkeersdeelnemers. Omdat zij kwetsbaar zijn in het verkeer, kent de wet een speciale regeling bij een aanrijding met een motorvoertuig. De automobilist is aansprakelijk voor de schade van de fietser zonder dat zijn schuld bewezen hoeft te worden. Andersom kan de automobilist de schade die hij oploopt door een fout van een fietser of voetganger, claimen bij de fietser of voetganger (of diens AVP-verzekering). Dan gelden de normale wettelijke regels.
Bescherming door de wet (artikel 185 Wegenverkeerswet)

Normaal gesproken moet je na een ongeluk bewijzen dat de tegenpartij aansprakelijk is. Dit geldt niet wanneer je als fietser of voetganger wordt aangereden door een motorvoertuig (auto, motor, bromfiets, snorfiets etc.). De wet bepaalt dat de bestuurder van het motorvoertuig aansprakelijk is, tenzij hij overmacht kan bewijzen. Dit is een vorm van 'risicoaansprakelijkheid'. Daarbij hoeft men geen schuld te hebben aan het ongeluk, maar is men wel aansprakelijk. Dit lijkt onrechtvaardig maar de fietser of voetganger loopt meer risico op zwaarder letsel vanwege de massa van het motorvoertuig."

"Accident with pedestrian or cyclist

Who is responsible for an accident with a pedestrian or cyclist?

Cyclists or pedestrians are seen as 'weaker' traffic participants. Because they are vulnerable in traffic, the law has a special arrangement when there is an accident with motorized traffic. The driver is responsible for the damage of the cyclist without having to prove they were in the wrong. If the cyclist or pedestrian is at fault the driver can claim his damage with them (or their insurance). In that case the normal rules and laws apply.

Protection in law (article 185 of the relevant law book)

Normally after an accident you have to prove that the other party is liable. This is not the case when as a cyclist or pedestrian you are hit by motorized traffic (car, motorbike, moped, etc). The law dictates that the driver of the motorized vehicle is liable unless he can prove 'overmacht' (a situation exceeding his/her control). This is a case of 'risk liability'. The driver does not have to be at fault for the accident but still is liable. This may seem unjust but a cyclist or pedestrian runs more risk of serious injury because of the mass of the motorvehicle"

That page has a whole pile of example situations and outcomes illustrating what the effect is on the liability of the driver for those cases.

The ANWB website (where I took these paragraphs from) is the Dutch official provider of traffic signs and many other traffic related services, they're a powerful lobby entity as well and deal with all kinds of road traffic related affairs. Originally started as a cyclist movement they included cars and are now the main go-to point for information about traffic and traffic related issues outside of the government.