Your thought experiment doesn't work
The point of a thought experiment is to think about that proposition, not to replace with whatever you think makes sense
- AI driver causes a fatal accident.
Nobody gets criminal charges. Insurance pays out depending on policy.
Now here is my concern... You are reducing a human life to a dollar amount just like Ford did with the Pinto. If Mercedes (who is apparently liable), decides they are making more money selling their cars than paying out to people injured or killed by their cars, what's left to force them to recall/change/fix their algorithm?
PS: I also never claimed I rather have 20000 more people die for accountability... So, I guess you have to argue that with the part of your brain that made it up