Comment by AnthonyMouse

> We can’t let AV manufacturers use “there’s no driver” as a way to escape responsibility, externalizing the harms AC cause onto society.

There is essentially nothing to be gained from doing this because it will not in either case be manufacturer; it will be an insurance company.

If the liability is paid by the vehicle owner's insurance then things work as they do now. You buy a car, insure it, if there is a liability there is an insurance claim and then the victim has someone to pay them for their injuries. Meanwhile the manufacturers still have a financial incentive to make safer cars because buyers want neither accident prone vehicles as the one they use nor high insurance rates. The insurance rates in particular are in direct competition with the car payment for the customer's available income.

Whereas if you try to put the liability on the manufacturer, several stupider things happen.

First, they're just going to buy insurance anyway, but now the insurance cost has to be front-loaded into the purchase price, which increases costs because now you're paying car loan interest on money to cover insurance five and ten years from now, when you otherwise wouldn't have needed to pay the premiums until the time comes.

Second, what happens to cars from manufacturers who no longer exist? They can't continue paying for insurance if they're bankrupt, so you need it to be someone else. Worse, if a company produces a vehicle which is unsafe, that will tend to cause them to go bankrupt. But then people still have them, and would continue to operate them if they're allowed to point victims at the bankrupt manufacturer, whereas the incentive you want is for the premiums on those cars to go up for the vehicle owners so that they stop operating them.