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Tldr: the little guys will be pitted against megacorps with infinite money to assert their rights in a court of law.
It'll be the insurance megacorps vs the automotive megacorps. There's no suggestion that the obligation to maintain 3rd party insurance will disappear.
Fatal crashes are prosecuted by District attorneys / Crown prosecution services, not insurance companies (which would cover property damage)
The criminal matter is, the liability for damages is still going to be thrashed out between insurers.
The purpose of "driverless cars" and ultimately of any automation is to obscure responsibility and prevent accountability.
The strapline of the article literally says that the manufacturer would be held accountable.
Dystopian future
I mean, it makes sense. What could you prosecute them for? They have no control.
They chose to use a machine, ignoring personal responsibility to control it, killing someone because they bought into marketing hype.
But if you get into an uber and it kills someone that's fine? Why does putting an overworked and easily distracted human in control absolve you of consequences more than putting an occasionally broken ai?
If an auto maker is running a scam by selling features that don't work, doesn't it make more sense to go after the scammers for the deaths their scam lead to?
So that's how you get rid of your ex-wife and the alimony payments?
this is exactly why we're never getting full self-driving cars, whether or not they are actually safer. no manufacturer is going to take on strict liability for 100,000's of auto-driving cars let loose in the hands of legally immune "operator"/customers.

but what's the point of even having self-driving cars if you the user are still on the hook for some hallucination or oversight of the product of that manufacturer? you would never cede full control in this case. and why pay $10K, $20K extra for the privilege of something you can't use?

exactly. there's no point.

Insurance companies do. The human driver is only free of liability when the autonomy is activated so the hands of the customer are not so relevant