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I don't see how you can know that, nor is it likely to be true, given that the insurance company doesn't particularly care about either one.
The insurance companies want to maximize public safety so as to minimize their payouts. They want to minimize the costs for their policy holders to maximize the demand for their products.
If they can profitably insure dangerous drivers, what is the problem? Society is being compensated for the risk those drivers pose.
No, only partially compensated. If I negligently run over and kill your child, the money is not going to fully compensate you for your loss. Ditto if I render her a brain-damaged quadriplegic.
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No, they want to minimize payouts. Effect on public safety depends on how well payouts (via laws and court system) are correlated with damage to public safety.
If payouts for accidents caused by someone driving with sleep apnea without XYZ treatment are much higher, then insurance companies will demand the same as discussed here.
If they can avoid payouts while damaging public safety they will happily do this.
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