Joe rode home with his family, wife in front, and kids playing video games. He had purchased a fully self-driving automobile, capable of errands like picking up curbside groceries.

  An angry mob of rioters surrounded the car and pounded on it.

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  “Everyone brace for impact!” Joe grabbed a handle.

  The car self-accelerated, driving through the crowd—bodies flung up top while the car bounced, swerved, and tilted.

  Joe’s wife, Mary, said, “Joe, we’re getting in so much trouble!”

  “Don’t worry, dear. I went for the supplementary Trolley Problem Insurance. Legal protection, medical, and life insurance coverage for these exact situations.”