This right here is another fault in regulation that eventually will catch up because Especially with level three where it's primarily the vehicle driving and the driver just gives periodic input It's not the driver that's in control most of the time. It's the vehicle so therefore It should not be the driver at fault
Honestly, I think everything up to level two should be drivers at fault because those levels require a constant driver's input. However, level three conditional driving and higher should be considered liability of the company unless the company can prove that the autonomous control, handed control back to the driver in a human-capable manner (i.e Not within the last second like Tesla currently does)
Dude, in today's world we're lucky if they stop at the manufacturer. I know of a few insurances that have contracts through major dealers and they just automatically get the data that's registered via the cars systems. That way they can make better decisions regarding people's car insurance.
Nowadays it's a red flag if you join a car insurance and they don't offer to give you a discount if you put something like drive pass on which logs you're driving because it probably means that your car is already getting that data to them.