Not gonna lie, I wouldn't just run through a line of ducks with my car if they were already in the middle of the road. I'm not creating 1000+ dollars of damages for myself on a low slung car (Wonder if insurance would even cover it).
They teach you in driving school to look light years in front of you for hazards, and to maintain a safe following distance. Ducks don't just spawn in the middle of the road they slowly walk in a line and wait for cars to stop.
If the Kia Rio safely stopped before the black car, why didn't the biker stop before the kia rio? My answer: Inattention, following too close, not looking ahead of the road or a combination of the three.
I've had to stop for ducks so many times on 80+ kmh roadways for ducks why did it work out for me so much? Hell, I've had random stops on highways over broken cars who didn't pull over on highways as well. If you maintain distance and pay attention you'll be alright.
At the end of the day, you as the following motorist, are supposed to create a safe following distance and expect the unexpected. I'm not going to eat a financial situation for myself just because you can't pay attention or follow behind at a reasonable distance. Bumpers aren't cheap nowadays... Neither is a human life -- which is why you should be attentive on the road.