I'm not sure of the value of hindsightery, outcomes coalesce around brief moments and judgements, and I think we've all made errors. I'd no idea of the personalities involved. I still think they both should have treated it as a learning experience, neither was seriously injured, and it seemed the cyclists was willing to treat it as so. These things seem a waste of time and effort, bankrupting something isn't a veryefficient reward.
A pedestrian walked out in front of me this morning, like a rocket across the lights with Borough High Street. I could have slammed my brakes on, but hey, Brompton and wet road, plus a taxi driver behind intent on a close up of my rear end. So I had to opt for a swerve behind her. Not my preference, had she returned to reality and noticed the taxi she might have opted to jump back. It's the sort of momentary judgement call. I could have tried skidding to a halt, I could have gone ahead of her, I could have frantically rung my bell like a very motivated campanologist, I could have yelled. Grabbing her attention at that point would have, I suspect, led to panic and unpredictability. But who knows how it would have been judged months later in a court if I had hit her. It's easy to pick apart these things afterwards, but in the reality you have often less than a second to make a decision.