I wouldn't be so quick to say insurance companies would pick up the tab. I don't know which country you're from but in the us getting insurance companies to pay

I wouldn't be so quick to say insurance companies would pick up the tab. I don't know which country you're from but in the us getting insurance companies to pay for a claim is very hard and until a set of laws are established I would expect dramatic pushback from them. Furthermore in most accidents insurance companies try to seek out the party at fault if it's not crystal clear to avoid paying. But an interesting situation would occur if the incentives from the insurance companies would be directed towards automated driving because of reduced risks and costs to the driver. That would be an interesting scenario