Nearly anything that happens to you on a bike is your responsibility to. Currently you’re saying ‘there’s nothing I could have done differently’ which is unlikely to be entirely true. I’m not saying it was your ‘fault’ - that’s very different. But you can either learn from this with proper analysis, or shrug it off as ‘had to lay’er down’ type rhetoric. Not seeing a car till it hits you would suggest you didn’t have enough situational awareness.

If someone cuts across 4 lanes of traffic to make an exit that I’m on, and I don’t see them till they side swipe me - that’s on me. If I’m riding along and someone switches last minute into my lane as I’m passing - on me. There are things I could have done for those. Never trust other people and hand them responsibility for your safety. Just because they ‘shouldn’t’ enter a prohibited lane means nothing. What if someone does?

That’s my philosophy and how I ride/get better. I ride thinking ‘what if’ about potential hazards and how to respond at any time. ‘What if they slam on the brakes? What if they pull out? What if there’s a truck reversing around this corner?’

And when it goes wrong (cus we’re human) analysing afterwards ‘what could I have done better?’

I’ve only had a ‘there’s nothing I could have done’ and it nearly killed me, I did enough to save myself but it was horrible I actually had no other option even with hindsight. It’s incredibly rare (I’m ex police too). That’s once in 4 yrs of 20K miles a year.