Good evening community, I had an accident earlier at about 17.30 clock (dark and road wet) whereby I overlooked a cyclist, or could not estimate his speed exactly. To the brief explanation: Was on the main road on the road, at the edge of the road there is a bike strip where also a cyclist was on the road, which I had also noticed. A few hunert meters further I wanted to turn right and had looked in the side mirror, the cyclist was in the first moment still we It was removed (though I thought about it) then turned off and the cyclist banged me in the back, but had already turned off 3/4 with the vehicle. Ambulance police of course informed and recorded the accident, now the shock of course still sits in the bone and ask me a bunch of questions. Of course I am aware that remote diagnosis is always difficult to judge, trotzdem I hope for a few helpful answers to my questions, which I a among other things, I wanted to point out that the cyclist came with him to the hospital, was later released again. I went home to ask his wife / family how he was doing. Luckily he himself was at home and had asked me in and accepted my apologies. Now my questions: Who now answers the question, if I am guilty or if the cyclist gets a co-indeed? What comes to me? Driver’s license away? Building seminar? How will my insurance respond to the incident, have a driver’s license on 13.08.2015 and currently pay 120Euro insurance( per month), the contribution will probably increase dramatically then,or?