Agreed. At least at the level these cars are likely to enter the market, the whole concept of what the car "knows" isn't likely to extend to "other people", "my passengers", "inanimate objects" and a probability matrix of injury/death/damage among these categories. Instead of this heavily anthropomorphized view, cars are much more likely to have a highly simplified, "bug-like" level of information to work from.
This isn't harping on a "technology is neutral" vibe, which I view as obviously false. Just that many of the high-minded philosophical models presented to date don't appear to map well to a likely actual embodiment of "ethical" decisions that may get embedded into vehicular software. If the model is a bad fit for the real-world problem(s) encountered, it's simply not going to be very useful for informing solutions to that problem.