For a self-driving car, programmed to follow traffic laws to the letter, an at-fault collision indicates a problem with the vehicle, either caused by a manufacturer defect (which includes software bugs) or by maintenance negligence by the owner. If an owner of a vehicle maintains it to the recommendations of the manufacturer, then any breakdowns also become manufacturer defects.<p>If a company owns a fleet of vehicles, and maintains them according to the manufacturer&#x27;s recommendations, it is now impossible for them to be liable. A collision is always either the fault of the manufacturer or of another vehicle. Therefore, the owner of the vehicles need not have insurance. (This is not the current legal situation, but I expect that it would be in a few years.)<p>An individual person who owns a self-driving car would have exactly the same situation as above, provided they maintain the car to the recommended standard. In an attempt to deny a claim, the manufacturer would have the ability to argue that the vehicle was not maintained to standard, in which case the person would be liable for the results of that negligence.