Driver may have been drunk. When drunk, a driver will tend to aim toward the light. Unconsciously thinking that is the right path forward, not realizing they are aiming at YOU.
I ride with my mental radar on all the time, and that's not enough. Bright random blinking front and rear lights are a must, as is my Take-A-Look rear view mirror. But my main defense strategy is, "God is my copilot". I pray before every ride.