Seriusly,I own an insurance agency and BTB was correct with his assessment.I watch my loss ratio very closely because myyear end nonus hinges on it.Deer claims are generally small.I pay no attention to them.I worry about fire,liability and multiple car accidents.

Look at it this way.Deer claims are covered under comprehensive as are glass claims,fire,theft,flood,falling objectsand vandalism.Even though deer claims are only one piec of total comp claims,comprehensive coverage is usually alot less than collision coverage.

Deer claims really aren't a big deal in the grand scheme of things.More importantly though,they're predicable and that predictability allows the companies to adjust the rates and make a profit.

Go back and look at the people who sponsored the audubon kill the deer conferences.Lot's of stakeholders there but not one representative from the insurance industry.Never has one attended a PGC meeting and asked for less deer.That isn't true with many other stakeholder groups.