Here's your ice cream. Insurance companieswork well ahead of themselves. A rate filing takes many months to more than a year to accomplish. State approval can then take as much time. Especially in PA.

As you can also imagine, they will naturally be more methodical and cautious when it comes to decreases. They may even experience a small bump in profits on this small part of their business but in the long term, less deerclaims will eventually mean less profit