Commentary: Will driverless vehicles drive insurance premiums down?

You are in a driverless private hire vehicle that's ferrying you to work. As the vehicle drives itself, you take a nap in the backseat. Suddenly, you are awakened by a loud thud and the sound of glass shattering. You come to your senses, and realise that the car has hit a pedestrian who is now lying motionless. All this happened while you were asleep, without any human input on how the vehicle manoeuvred or behaved.