This is why the self-driving car will take so long to develop.
If I fall asleep and hit your car and injure you, you will nick my insurance, probably up to the limit of my liability. If that is exceeded, you will probably stop there, or stop after putting me into bankruptcy.
Now, if the Google(r) Self Driving Car(tm) hits you, you will sue Google for $Billions. Especially if you find out that the car hit you because of a *known* bug. That will go over very well in the hands of a non-technical jury. All software ever written (even software for the Apollo Lunar Lander) has known bugs. No company can fix every bug *immediately*. They have to prioritize, write fix, test fix, distribute fix, etc. During that time, an accident could happen. In the current 'deep pockets' liability theory, the expected cost of these lawsuits would be more than the cost of developing the software and the cost of the sensors and hardware necessary to implement it.
Even if, on average, the Google(r) Self Driving Car(tm) is safer than driving yourself, unless something like the vaccine liability fund is implemented, then the car is a non-starter (pun intended). Which is a shame because 1) I want one and 2) it's likely to be safer than the Human Driven Car (tm).