I'm pretty sure all engines in production cars today can compensate for low octane fuel. With knock sensors the ecu will automatically cut timing (retard) on your motor. This ensures that knocking, a.k.a detonation, (the premature and uneven ignition of fuel) does not occur. Early spark means no detonation, see? So its like a failsafe to prevent damage to your engine, therefore running lower octanes than recommend doesn't do anything but cut a few hp. Also every ECU is different and will perform this task in a different way. I am almost 100% postive that every car has this for a few reasons. You can't always get premium, 'premium' is not always the same octane rating from place to place, there is always the possibility of a 'bad' tank of gas, and extreme ambient conditions can all preclude to knock, therefore making it mandatory that a car carries a knock sensor and be able to adjust accordingly.
You start with a bag full of luck and an empty bag of experience. The trick is to fill the bag of experience before you empty the bag of luck.