While it is wise and desirable to try and predict the stupidity and poor driving/cycling/walking of others, it does seem silly trying to reduce an analysis of this complex incident to a simple ratio of blame. I think the driver was fully at fault, but that some foresight may have helped avoid or reduce the impact speed.
Gaz, regarding your frame, I would get it ultrasound tested to check its OK. To be honest I would not feel happy to sell that frame if it were mine, but might well be tempted to ride it. Would you sell it as OK, if not then get a new one on their insurance.
Gaz I hope your OK healthwise and no further injury has developed.