That makes sense, and Tesla should be pricing lower for liability insurance if they have private data showing their cars are safer. But the "put your money where you mouth is" evidence would be if they offered a large discount for their own insureds that used FSD for most of their driving. I strongly believe FSD is safer than human drivers, but not sure about the magnitude. I think the FSD discount Tesla offers is a good clue, and I expect this discount to increase in the future.