In your hypothetical situation, you'd probably deal with the owner's insurance company, just like with a human driver. The insurer will have already priced the

In your hypothetical situation, you'd probably deal with the owner's insurance company, just like with a human driver. The insurer will have already priced the policy lower based on underwriters' analysis that AI is safer than human drivers. In the case where the AI made an egregious error, I'm sure the insurer would be interested in pursuing legal action. In my medium-sized metro area, I can recall at least a half-dozen deaths of cyclists this year caused by humans making similar errors. It doesn't take much for software to be better than that.