I agree with your conclusion, but for different reasons. There will be loads of situations that are far less clear-cut than this. A lot of times, they will in

I agree with your conclusion, but for different reasons. There will be loads of situations that are far less clear-cut than this. A lot of times, they will involve other cars. By always taking the options that prefer the passengers, the car will be reacting in far more predictable and simple manner. This will make it safer for other cars that do the same to react to. Communication with the other cars might help reduce danger overall, but all of them will need to be able to manage traffic even in situations where this doesn't work. If the choices of other cars are too unpredictable for a given situation, that's a recipe for disaster. Unfortunately, the selfish choice will always be the simpler.