I disagree because we're comparing what this individual driver would have done without a feature advertised as Autopilot.

I'm a partner in an auto insurance company, and most of our no-accident records will stay that way, statistically speaking.

If this driver had a one in a billion miles chance of crashing and Autopilot (with an inattentve driver, as they all tend to be) had a one in a million miles chance, then Autopilot is decreasing safety.

At a certain level of safety, Autopilot would make everyone safer, but it's definitely not there yet.