As for people that recently got their drivers license. I'm pretty sure that demographic is over-represented in the statistics of who drives the least safely, traffic fatalities, etc. Also insurers and rental car agencies have policies that reflect those cold, hard statistics. It will be interesting to see what they do when level 5 starts happening (probably sooner rather than later). My guess is that they'll charge people extra for the privilege of taking control of the car as they are far more likely to damage the vehicle and otherwise cause trouble.

And obviously one of the points Waymo is trying to make with their press release is that they are already safer. It's a press release of course and not the same as cold hard facts. And you make a fair point about self reporting. But it suggests the obvious notion that computers are getting pretty good at not crashing into stuff (or people). I find that entirely unsurprising, BTW. It does not seem like a particularly hard problem.