>The insurance is yet another interesting puzzle to the self-driving car. If there is a crash, who is going to be a fault? The person behind the wheel? The company that created the software that makes the car drive itself? The maker of the hardware that is controlled by the software? The car manufacturer? ... and how will they calculate the rates to begin with?

That will be interesting. As in any debugging of a weird problem, I guess it will be a new level of ball tossing game from "it's your app" to "it's the OS" to "it's the network guys" to "it's the IT police guys" to "it's hardware". Endless fun.