The complicated part is not bad road, its other drivers/vehicles. A couple potholes are not going to send the system into a fit. Google already has some ReallyFuckingSmartPeopleTM throwing the system curveballs all day long trying to break it, so they can teach it to deal.
Insurance is a non issue, you are still responsible for your car, period. You want to blame the manufacturer, sue like you would over any other mechanical defect.
The manufacturers are not complete morons and stand to lose alot if they put out a self driving car with shitty driving skills.
Sure there are people who can out drive the computer. They will probably be in the top 5-10% of drivers, not the top 50% that will claim to.
Too many variables for a computer? Yet morons who didn’t start high school can do it effectively? Driving computers will be tracking and doing things no human could hope to manage especially in a crisis:
Monitor individual wheel RPM
Apply brakes to individual wheels
Awareness Of angles, vector, and position no human could follow
360 degree visibility and awareness of moving objects the driver cannot see
the ability to stop a car safely even with the driver incapacitated
If a car sees something that confuses it, it can always default to stop and have the human driver handle it.
A computer can run half a dozen sets of calculations modifying those calculations as the situation develops and choose a best case scenario faster than a human being would even realize he has a problem.
Ask anyone in EMS, its not a lack of skill that causes accidents, its shitty decision making. People try to “beat the light”, try to turn too fast on wet roads, driving under the influence, tired, not paying attention, distracted, the list goes on.
Trucking companies are already drooling over the idea that long haul trucks might be able to run longer days if not 24 hours and making better gearing/speed decisions for better mileage. I heard a rumor walmart is already hoping to run things like having trucks running without a driver between distribution centers and stores then have the dock crews on each end handle parking/docking at each end.
My concern is more with customization. Change rims/tires and you can introduce shifts in how the car perceives its situation. granted common tire types can be tested but plenty of folks will try to do their own tire swaps then blame the car when it starts erroring out of auto drive when wheel speed and sensor speed do not line up.