Who’s to blame?

… Hello together … When I was on the road the other day I thought a little bit. How I was driving through the area I noticed a cyclist driving on the bike path next to the road. This stimulated my thoughts a little bit and I imagined what would be if: The cyclist was a woman and in the back a child’s seat was sitting in it. I am about 10m behind her and I don’t want to drive past her with 50km/h. But if now out of the bushes a a cat jumps or else a creepy animal and the cyclist is so scared that it falls down with the bike and lands on the road. (between the car and the bike are still about 6m) Should one try to put a full brake on it? Or should one pull into the oncoming traffic? Above all … Who is the fault? … Would I then be to blame because I pull into the oncoming traffic? … Or is the okay if I have the child on my conscience? well…vllt. can you explain something to me… Thank you in advance!!! Greeting M!CHA