> If you are today a big insurance like Munich Re, and you see already today that self-driving produces already much less accidents

Insurance companies don't really care that much if accidents are more or less likely, what they care about is that they can be underwritten effectively.

The most interesting shift here as it pertains to insurance is the fact that losses might be correlated in brand new ways. Today there's no simple way for 100,000 cars to all crash a few minutes apart, worldwide, for the same reason. In the future that may in fact be plausible.