I feel like you could come up with long lists of cases where there is no direct human to blame. Someone may be at fault down the chain, but nobody who was directly controlling the machine. Just like if a mechanic screws up my brakes and I end up crashing, it wasn't directly me who caused the crash, even though I was sitting in the seat.
Robot cars would be the same. Insurance is financially responsible, and if the accident is deemed caused by a flaw, it would be the company that made them that is held responsible for fixing it.
Unless there’s a very bad and widespread issue. Then you join a class action and get $24 on a visa giftcard you can’t figure out how to redeem and then forget about.
When a robot car makes a mistake, all robot cars learn from the experience. When a human messes up, only that human learns from it.
The company owning and operating the robot?