Then I won't own the vehicle, I'll rent it and leave the maintenance up to the rental company.
Who would pay to own a car that sits around parked >90% of the time anyway? A rental company could have that car out making deliveries and ride share pickups until it's time to pick me up at the end of the work day.
Then sure, absolutely, but there will always be people who will want to own the car not rent it for a plethora of different reasons that perhaps do not apply to you. And the argument here is that those people who chose to own self-driving cars will still have to insure them - the fact that the car drives itself doesn't change the fact that you could be liable for any damages that happen when it's on the road.
And as an aside - how is this different than a taxi then, at that point? If that model already works for you, then uber fills that niche already. Unless there is some assumption that somehow it would end up being cheaper than uber? I can bet it would be cheaper for me to take ubers to work than own my car, and yet I'd prefer to have my own person vehicle and not deal with shared vehicles.
Uber doesn't fill that niche. I'm talking about a long-term rental whereby the car is guaranteed to be available to me during specific time windows. Uber is only for one-off trips, not a long-term replacement for my commuter car.
I feel like that's a distinction without a difference. If I call an uber, it will arrive in 5 minutes max and take me to where I need to go. I can call one in the morning to go to work, and another one after work to get home. It could 100% replace my commuter car that I have right now.
Because I like having my personal car, where I hop in and the seats, temperature and music are set to what I like, there's no weird smells and I have privacy and comfort. Besides, I think that about 60% of taxi drivers should never be in charge of any motor vehicle and are completely incompetent at driving, I don't feel safe at all. But that's beside the point and will be fixed by autonomous cars. But being in a vehicle shared by others will not, and I have no interest in doing that, just like I have no interest in taking a bus.
But yes, I have just done the calculation and it would in fact be cheaper for me to uber to work than to own my car. Yet I still prefer to have my own car that yes, does absolutely nothing for 95% of the month.
I still think fully autonomous cars would let you have your cake and eat it too. Maybe you don't want smelly passengers in your car or to have it unavailable at certain times of the day or week. That could be done. Maybe the rental car is available to you during the day but moonlights as a driver for Amazon packages?
It could all be spelled out in a service level agreement.
Then I won't own the vehicle, I'll rent it and leave the maintenance up to the rental company.
Who would pay to own a car that sits around parked >90% of the time anyway? A rental company could have that car out making deliveries and ride share pickups until it's time to pick me up at the end of the work day.