In the vehicle, is it still the fault of the driver, or the software company? Or insurance?

Is someone driving into you? Not much physically you can do to avoid it no matter who/what is driving.

Semi-autonomous cars can easily be blamed on the driver, because they're still in charge of the car, just being assisted, not commanded.

Is the car taking unlawful actions on it's own? Should propably fix that on the maker side. Why should any company be exempt when their product is not up to spec? The price increase to make it compliant is necessary, not a nice to have.

And with the trolley problem, you often can't compute philosophical questions with pure logic because of their fractal nature, but you can make it a legal argument. Does the car have the right to kill? If it doesen't, it can't and won't choose. It will be an accident just like any other would be.

Never mind what a person could do; the AI car will have a different expectation. And remember, there's the chance of suing Google when your mailbox is run over. Not just some schmuck.