Self-drive cars currently have a driver behind the wheel who has an impeccable license record and a high tolerance of boredom. The police will speak to him if there is an accident.
Whoever writes the software for self-drive cars that do not have a driver watching over things and being personally liable will be sued for every accident that occurs for the rest of eternity that comes off his coding. Ultimately, there will be accidents where the litigation will be against the writer of the software code. That can never be avoided.
There is criminal liability for the self-drive car software writer which can neither be contracted out of or insured against.
Utopia, you are standing in it! 
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