They don't, not at the moment. The software detects the situation is outside its capability space and says "jesus, take the wheel!".
For all practical intents and purposes the only reasonable way to interpret the current self-driving car statistics is to treat every single human intervention as a would-be accident. That rate is somewhere in the 1 per 10000 km ballpark. That's - for now - orders of magnitudes worse than human drivers.
Not necessarily. If the AI response is to stop the car when it can't figure something out, then the cost of each of those situations is the car not continuing on as quickly as it should (and maybe stuck cars if we dont have a way to override the stop/take control manually).
Every hand over to a driver is not an accident.
Not to mention that many of the times control has to be taken have nothing to do with other drivers or even other cars.
The reality is that a car can only be driven by a general artificial intelligence. We're nowhere in that ballpark.
That's assuming accidents are caused by complex and unusual scenarios instead of humans being inattentive during routine tasks. If machines fail at complex tasks but fail safely then that's not an argument against self-driving cars being safe, it's only one about their limited usefulness.