Self-driving cars are the subject of more hype than even true artificial intelligence, perhaps because they already exist and a number of big companies are committed to making them a marketable reality. So it's worth listening when a top executive of one of these companies says self-driving vehicles are a long way off.

"The technology will be held back by the ultimate moral question on who's responsible," said Ian Robertson, head of sales for BMW in Munich.

Figuring this out isn't as easy as simply changing insurance rules. Imagine you're driving along a narrow mountain road at high speed, and a child jumps in front of your car. If you swerve to avoid hitting him, you'll crash into a cliff or plunge into an abyss. In both cases, it means certain death for you.