I did actuarial work many years ago for insurance companies and Btbowhunter is correct. Insurance companies pay out claims from the money they collect in premiums. If you don't pay for coverage for hitting a deer they don't pay you when you hit one. The more people worry about hitting a deer the more people buy the coverage and therefore themore money the insurance company makes. So in a wierd way, the more deer the better for the company.Granted the less people that make a claim, the less moneyis paid out but that isn't the entire picture. The company knows statistically how much money they are going to be paying out for a given area. From that they know how much to charge individuals for coverage to insure themselves of a good profit. You can bet your last dollar that if it weren't profitable for companies to cover for deer damage they simply wouldn't do it. This is just an old explination for why there are less deer that is told over the deer camp dinner table. It seems logical on the surface but it just isn't true.