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A fancy idea, but I see several problems with assurance companies and laws.

Will you agree for example to be billed more for your assurance company because one of the co-proprietaries of your car is a bad driver?

And there is also the real use time, ie: you buy a car that is crashed each month when used by other guys and must remain in boxes to be repaired four months/year.

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Both your problems (bad driving, buying a car) seems to completely ignore the 'autonomous' and 'club' parts of the idea.

If does not matter if your car is autonomous when you use it in different roads, streets or contexts. Two people will use it and one of them will have more accidents or more wear than the other. Each street has different probability to having a crash or get your tires stoled. And 'club' means that you pay an average, you'll pay for both your errors and the other's errors.

The idea that "everybody will want to share their car with strangers" is probably just this, a marketing desire IMHO. Bad drivers will want to share the car for sure, but a lot of common people would probably frown at the idea.

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