Whose fault is it if a cyclist "T-bones" you at a T-junction

[Bennet]

I turned in to a T-junction accross a lane of standing traffic this morning. Despite the fact that I was leaning forward in my seat looking down the lane of traffic of in order to try to avoid this exact situation, I still had a reasonably near miss with a cyclist. We both stopped in time. As you can see, there is no cycle lane and everyone on the scene was driving a Mitsubishi FTO.

If I hadn't been looking for him and we'd colided, would it have been my fault? Or is it his fault for filtering through a junction without due care? Does it make a difference if there is a cycle lane? If the car you're turning in front of is actually an HGV, and you can't see past it at all, should you refuse to turn?

[Bennet]

Fairly clear consensus there then. The rules seem out of sync with reality to me in this case because in practice, you're likely to need to stick your bonnet accross the cyclists' path in order to be able to see him, unless you happened to have a mirror on a stick.