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.

“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.”