I believe for the insurance purposes, this difference is irrelevant. The point is under the current condition, Waymo driverless cars are safer than human controlled cars, thus the question of liability and permit to operate should be cleared.
The question whether humans are truly inferior to robots in term of controlling cars is rather a question of ego than a practical one.
The question whether humans are truly inferior to robots in term of controlling cars is rather a question of ego than a practical one.