Fault is moot in that case. Whoever is insuring the vehicle that malfunctioned and caused the accident will pay out. You won't have to wait for anything. There will be lawsuits afterwards, sure, but it will be the insurance company trying to recover their costs from the manufacturer, and it won't really have much of anything to do with you.
And socialism is not the answer to ANYTHING. We already have socialism in medicine, and have for more than 100 years. More specifically, fascism/corporatism. Before that, we had a free market, and even the poorest family could afford a middle of the night housecall from a doctor. They had a harder time paying for the medicine than the doctor.
A basic income is better than the current haphazard welfare system, but it is unneccessary. Do you need free money from the government to pay for access to internet websites? No. Machines have brought the cost of such services down so much that its not even worth it to charge you anything. Robots will do the same thing with real world goods and services. Once everything is automated, everything will be free. If you have some weird thing that you want that requires human intervention, you will have to pay for that, but that's about it. Socialism will only delay that lofty goal.