Why would insurance companies do this? They stand to lose a TON by autonomous vehicles. Estimates are in the 60 to 80% of the market to go away.
For an alternate perspective of a potential (lucrative) future for insurance, see my post here: https://news.ycombinator.com/item?id=12245312
Any large scale car accidents will be re-simulated, analysed and scoured until they are fixed, the general public will not permit them to persist. This means a complete collapse of the entire industry except for enterprise scale underwriting of the car manufacturers which they may already have for recalls.