Why is navigation so bad? I have a thought.

There's an intersection near me by a shopping mall and I saw an article one time that listed it as the most dangerous intersection in my area. So let's say I own a car company, and I have a bunch of AI programmers. They could determine a risk assessment on the various navigation routes and send you not the best route, but the route that has the least chance of them having to pay for repairs. Back to the dangerous intersection, my Tesla tends to avoid it. There is a lot of traffic there and multiple stop lights and you can get stuck there. But to me, that is the best route. Unless you add in the risk. I don't think they are doing this, but they could.