That sounds quite plausible!
we own a new model Y and especially when we were getting used to full self driving, it would often do something that scared us. Not because it was making a mistake, but we just hadn’t built up enough trust yet to just let it drive.
It wouldn’t take much to scare someone new to FSD. Just taking a turn a little faster than you might yourself would be enough. Respond by slamming on the brake.. but hit the gas pedal instead and WHAM accident.