This strikes me as immoral for the same reasons that organ harvesting is immoral: nobody owes their life to sustain another.
Now you frame it as the passengers which are taking dangerous (to their own health) actions but you exclude that you (or someone) is standing in the middle of that equation, forcing cars to kill their owners- and this force will be necessary because no one will voluntarily purchase a vehicle so misaligned with their interests.
Now you frame it as the passengers which are taking dangerous (to their own health) actions but you exclude that you (or someone) is standing in the middle of that equation, forcing cars to kill their owners- and this force will be necessary because no one will voluntarily purchase a vehicle so misaligned with their interests.