Playing devil's advocate here for a moment, there were one or two occasions where I had to apply more energy to avoid an accident. The one I remember most clearly was shortly after I learned to drive my Audi S4 (manual). There was a pickup truck that began drifting out of the left lane - I became aware of it because of the sound of his tires on the pitted surface of the roadway. I prepared for an accident by turning down the music system and becoming more alert. The next thing I knew, his left rear tire blew, and it caused him to spin sideways down the freeway. His rate of deceleration was very high, and he also began heading towards my lane. I had only seconds to downshift and accelerate to get in between him and the retaining wall on my right. As soon as I passed him, he entered my lane, and miraculously the truck righted itself without hitting anything.
The only thing I've observed so far is that every challenge we've faced has been considerably more difficult to solve than we originally estimated. Whether this applies to the ethics or just to the technology remains to be seen.
Yup. Accidents are often complicated, unpredictable events. An autonomous car has a better understanding of the physics/geometry and faster reactions but less imagination than a human - I'm not sure how that'll work out when it comes to avoiding weird accidents.
But accidents where the car has to decide between killing one person, or five, or the driver, and has time to make that choice are more imagined than real IMHO.