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> If the car that did a hit-and-run was operated autonomously the insurance of the maker of that car should pay

Why? That's not their fault. If a car hits and runs my uninsured bicycle, the manufacturer isn't liable. (My personal umbrella or other insurance, on the other hand, may cover it.)

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They're describing a situation of liability, not mere damage. If yor bicycle is hit you didn't do anything wrong.

If you run into someone on your bike and are at fault then you generally would be liable.

They're talking about the hypothetical where you're on your bike, which was sold as an autobomous bike and the bike manufacturer's software fully drives the bike, and it runs into someone and is at fault.

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