With authority goes responsibility.  The ownership of any property automatically entails responsibility.

Just as the individual is rightly and morally the sole earthly authority over himself and is responsible for his own situation and actions, so also is he the sole authority over, and is responsible for, any property he owns - that property being a moral extension of himself.

This means that an owner of any property must meet any costs arising from the operation or the behavior of that property.

If you own a dog and the dog bites another person, it will be presumed on moral and often on legal grounds, that the dog is merely an extention of yourself.  Thus it will be considered as if you had bitten the other person yourself, as you will be held to be responsible for the actions of your dog.

If you own a car and the car collides with an item of property belonging to another, it will be morally presumed that the damage to the other person's property was inflicted by you personally, as the car is an extension of your person. 

The car is not an owner of itself.  It cannot start, drive, or control itself.  If it is operated remotely or under the control of a computer program previously written to control its movements, the control is by the remote person or the person who initiated the operation of the controlling program.