They don't care about the fee; they don't want to report accidents.

Reporting accidents is terrible PR for a self-driving car company. If they can hide away all their mistakes, that tells a better story for when they launch.

The biggest obstacle for self-driving cars at launch will be customers afraid of giving over complete control. If there is a paper trail of all the times they screwed up, even if those bugs were fixed, then they have to account for that in everyone's mind. Similar to experienced politicians that can have prior votes held against them.