Re: Save the women and children first!
Time to think is the wrong approach if you want to know what people actually *do*.
Stick 'em in a driving simulator, let them drive real time for a while, and throw hazards at them in 'real life' situations... and see what they do.
Some of them won't even notice the incident and will plough straight into the victim; some will notice the ball bouncing into the road and brake before the kid follows it; most will likely try and react too late. Whichever they do, you'll have a good baseline to which the AI must merely do better than.
I am really unconvinced that people make ethical judgements in such circumstances; I do believe that they may attempt to make a choice of 'avoid hitting anything/avoid too much damage/hope the airbags work'.