I mean, their ratio's still way better than humans, and for insurance companies, that's all that's going to matter. After all, they don't have to be perfect (indeed, perfect is fundamentally unachievable), they just have to be better than us. At the end of the day, I see this as "Cyclist killed crossing street at an area without any marked crossing points." The autonomous element is almost irrelevant. Indeed, there was a safety driver in the vehicle, behind the wheel, and they didn't do anything about the woman crossing the street either. Edit: this is not to say I think the cyclist is at fault. What I mean is that I see this as something that could, would, and does happen with human-driven vehicles and is (unfortunately) not even an especially rare occasion.