The person who pulled out is clearly at fault, as if the other driver was driving within the speed limit (and nothing is there to suggest he/she wasn't), then the most likely outcome is swerve or have a head on contact.
Instinct will kick in and most people will swerve. Bearing in mind the incredible reactions of the driver who crashed, to avoid the car and the people at the cafe, it suggests that the speed wasn't as significant an issue as some might think.