Of course you get the same with automated driving. Accidents will cause either the insurance rate of the whole company to raise, or the company will have to pay out of pocket. In both cases accidents have direct financial "punishment" and if a car company is seen to be "unsafe" (see cruise right now) they are not allowed to drive (or drive "less"). I don't see a big difference to normal people. After a while this is is my opinion even better, because "safer" companies will push out "less safe" companies.. Assuming of course that the gov properly regulates that stuff so that a minimum of safety is required.

Increased rates aren't a punishment they're a risk calculation and insurance (outside of maybe property insurance in case a tree falls on the car for example) may not even be needed someday if everything is handled automatically without driver input. Why are you so stuck on the punishment aspect when these systems are already preventing needless death?