There’s a lot of stupid to unwind here, but I'll just leave at this: your plan would leave a tremendous amount of ambiguity that skilled lawyers would wriggle through. That is, “what is an accident?”
Is it an accident if the driver takes control of the automated system and drives straight into a wall? Is it an accident if a non-automated truck truck with a huge branch sticking out the back obscures the automated car’s cameras, leading to a crash?
Maybe you're a cowboy coder like me who bristles at detailed project specs and prefers some sort of goal or vision to work for. I totally get that. But when it comes to accountability, nothing beats a checklist.
Bad law can be either broad and vague to the point of endless litigation and uselessness (what you're proposing), or hopelessly detailed and self-contradictory (the kind of law you're likely reacting against). This article is celebrating a good, readable middle ground. That's exactly what we want out of law.