> If a truck driver gets in to serious accident every 20 years, an algorithms will be blamed for a serious truck accident every 2.4 months - even if it was 100X better than human! It's an inescapable law of large numbers.

You're comparing 1 driver driving 1 truck to 1 "algorithm" driving 1000 trucks and then comparing the nominal number of accidents.

I'm not an insurer, but I highly doubt they care about individual (human or otherwise) performance. I would bet they do care quite a bit about the accident rates you're attempting to dismiss.