Waymo hits you -> you seek relief from Waymo's insurance company. Waymo's insurance premium go up. Waymo can weather a LOT of that. Business is still good. Thus, poor financial feedback loop. No real skin in the game.
John Smith hits you -> you seek relief from John's insurance company. John's insurance premium goes up. He can't afford that. Thus, effective financial feedback loop. Real skin in the game.
NOW ... add criminal fault due to driving decision or state of vehicle ... John goes to jail. Waymo? Still making money in the large. I'd like to see more skin in their game.
John Smith hits you -> you seek relief from John's insurance company. John's insurance premium goes up. He can't afford that. Thus, effective financial feedback loop. Real skin in the game.
NOW ... add criminal fault due to driving decision or state of vehicle ... John goes to jail. Waymo? Still making money in the large. I'd like to see more skin in their game.