Again show me where an insurance company says "We don't care about the economic impact of the deer populatiuon or controlling it in PA" and I will sing your praises as the Knowledge Man to all and be humbled!
You made the claim, the burden of proof is on you. The stuff you produced is about as credible as the stories of coyotes with an Allstate Logo tatooed on their lip! An industry doesnt comment on something they don't care about. Your demand is just plain silly. The PGC, however,
has stated that they do not hear anything from the insurance companies about deer claims. Once again, why would they lobby against something that makes them money?
Maybe to help you understand, I'll use another example that is very similar in structure to the insurance industry. Have you ever played the lottery or gone to the race track? When you win there, you dont take money from the track or the state. That money came from the other bettors. The state or the racetrack is not gambling, the customers are. The lottery or the racetrack is selling a product. Period. The state or the track simply took their cut as a profit and delivered their "product"
As for the insurance industry, it's actually very similar. The industry has bean counters better known as actuaries that analyze and predict claims. The law of large numbers makes their predictions extremely accurate.
(BTW, actuaries are the people that are too boring to become CPA's
)
They have gotten very good at what they do. When's the last time you heard of an insurance company going out of business due to claims? The few times that an insurance company has gone broke have been from events like 9-11 or from bad investments like AIG not from regular everyday, predictable claims. Deer claims, theft, fire, accidents, are all everyday predictable claims and the cash register rings every time it happens. To use the industry standard numbers, roughly $1000 in comprehensive premiums is charged for every $650 in expected deer claims across the state. 10,000 deer claims with an average of $650 per deer would mean an influx of $ ten million into the auto insurance industry.
You may see some occasional lip serviceabout preventing claims from the insurance industry but that stuff is pure PR. The bottom line is that claims make them money so long as they are consistent and predictable. Some claims are more predicatble and consistent than others but deer claims are among the most predictable of all.