Insurance companies are actually undergoing something of a silent revolution in terms of underwriting policies. Many of them are upgrading to some sophisticated

Insurance companies are actually undergoing something of a silent revolution in terms of underwriting policies. Many of them are upgrading to some sophisticated machine learning algorithms instead of the traditional actuarial tables. Assuming tesla cars are really safer you would see the algorithms pick up on that (there may be some lag until they catch on) and then price the policies appropriately, assuming that the insurance company is willing to pass that value to the customer.