Do you think your anecdote is more likely to be true than an insurance company putting its money where its mouth is?
"Tesla Full Self-Driving is twice as safe, so Lemonade takes 50% off every mile driven with FSD."
"Tesla Full Self-Driving is twice as safe, so Lemonade takes 50% off every mile driven with FSD."
Beyond that, the effect size of my anecdotes assures me that it is not safer than a human driver. It's just obvious.