Whose fault is it in this situation?

[Vanilla]

A scenario that has happened to me a few times....

Queue of traffic, you are about to turn left as soon as the cars move forwards but a cyclist come along the inside - you go to turn and he has to stop dead / you hit him / etc.

This has also hapenned to me at a small roundabout. I stopped to let a car go as they had right of way, as I went to go I luckily notice a cyclist out of the corner of my eye who had hardly bothered to stop - I nearly turned into her.

What happends in this situation?

 

[Vanilla]

So i'm not going mad, it is down to the cyclist to stop behind a car that is turning.

Why do so many of them so it!!

Next question, rpobably a bit of a silly one, if you turn and a cyclist goes into you....how can you make them pay for the damage? They don't have insurance....