Is this actually a real problem? There is a robust insurance environment around cars, with a huge amount of both pricing experience, case law, and experience with payouts for people injured in accidents. There is also plenty of experience with recalls and fatal manufacturing flaws.

Is there any reason to believe that insurance companies won't just happily write policies priced for automated cars, and everything will proceed pretty much like it does now? You drive around, accidents happen, insurance companies pay out to the injured parties, and adjust the rates on automatic cars to match the real cost to operate?