Re: Not going to work because based on logic
" the legislators have got it back to front "
The insurance companies won't though. Legislators will have a hard time arguing with actuaries, or forcing them to take on unacceptable risks.
Expect insurance premiums for manual driving to skyrocket and a presumption that the monkey is at fault in any crash, as the robot(s) will have a nice video evidence collection that the meatsack will have to argue with.