Neither. Choose the 3rd option.
The "train tracks" problem is that, someone decided to make a train that hurdles along a track at speeds that can kill, and puts no barriers up to stop a child on one track and a grandma on the other. THEN offers control to a clueless philosophy student to ponder over. ;)
The actual answer is don't let the AI get in a situation like that. OR put enough explosives on the car that it instantly evaporates and everyone is safe... oh, perhaps enough LO2 to neutralize the explosion? They are tech people, they must have a solution... right?