That! "I paid money for it, it should protect my life." is the key principle the car should be built to.
If this was public transportation, it can be have AI designed to protect public, minimize damage or whatever.
But if it your property, then it should protect it's owner.
It is kind of like hiring a robot bodyguard and then bodyguard not shooting at band of people trying to kill you because of course life of multiple people is more important than life of one person?
The car's responsibility is towards the owner, not some not very well defined public good.