All of that is part of the reason why I will never own a robot car until they hammer out those details. Currently, when I buy a car, the manufacturer/dealer specifies what they are responsible for and how long. The rest is on me. So I have to purchase driver's insurance.

A robot car? I'm not the driver. The manufacturer is, by robot proxy. So, perhaps the manufacturer should be insuring the car. After all, at that point, I'm just a passenger.