Absolutely, that’s without any doubt. There’s a difference though. The “cool” Terminator Skynet pursues its own goals, and wasn’t programmed by humans to kill.

Absolutely, that’s without any doubt. There’s a difference though. The “cool” Terminator Skynet pursues its own goals, and wasn’t programmed by humans to kill. The “boring” insurance-rejecting Skynet is explicitly programmed to reject insurance claims by other humans, unfortunately. So still, no need to worry about our AI overlords, worry about people running the AI systems.