let's say you have a self-driving car vs human driver.
let's say a cat crosses the road. 99 times out of 100 the human driver will panic and swerve to avoid the cat. but you might get yourself killed. emotions come into play, panic, fear, humans are not that good at making split-second decisions.
the self-driving car will be programmed and may only swerve if it's safe to swerve. it may have to decide to sacrifice the cat instead of the driver.