I get your point.
But the manufacturers have always had the liability when their product are defective. I’m thinking of the old Audi acceleration problems. And the recent Jeep transmission lever problems and all the Takata airbags that are defective.
If a SDC kills someone, the manufacturer as well as the current owner will be sued to death.
This legal/insurance change isn't really the problem. The real problem is that once the car manufacturers are 100% liable in all crashes, they are likely to design their vehicles in a way that completely negates many of the potential advantages of self-driving vehicles -- i.e., they'll drive slowly, they'll maintain wide following distances, etc.