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Consideration about self-driving cars and accidents

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Kerry:
If a self-driving car hits something/someone, who pays?  Clearly it would be my responsibility but wouldn't it be the car's fault? It seems as though the insurance company should sue the car's manufacture.

I believe the person in the driver's seat should be held financially liable for any accidents. Eventually insurance premiums will be extremely high for self-driving vehicles.

Post your considerations.

Note: Although the various computers on NASA's Cassini (Saturn) aircraft were remarkably responsive to being controlled from earth I have not found my last three computers (which I custom built from ordered parts) to be consistently reliable enough that I would let one drive me. For certain Saturn's components are a higher quality (Military Specs) than civilian components and the software has been tested thousands of times before sending it into space.

Update: 11/7/23

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