I know the insurance question keeps coming up, but I'm not sure I understand it. The way I see it, these cars won't be released into the wild until and if they

I know the insurance question keeps coming up, but I'm not sure I understand it. The way I see it, these cars won't be released into the wild until and if they can perform on par or better than human drivers...which will require that they be able to follow the rules of the road as well as or better than human drivers. That being the case, I don't see why the insurance would be any more of a factor for the autonomous cars than for current drivers. If they fail to follow the rules of the road and cause an accident (or negligently contribute to one), they'll be on the hook and insurance will have to cover it. If not, there's no insurance liability to consider. Am I missing something that the liability would somehow be greater in an autonomous vehicle in the case of the same accident that would otherwise be caused by a human?