When you individually hit a deer, you generate a cost to the insurance company. But collectively, your deer claim as well as thousands of ohthers form the basis from which they determine the premiums thay charge.

Like the pound of nails on the hardware store shelf, it's a cost of doing business.It doesnt quite work as directly as when you buy that pound of nails but it's close. Deer cause a cost of x per policyholder. The insurance company charges that cost plus their profit and operating costs of y for that coverage.y is a percentage of x so if x (claims per driver) gets bigger so does y (profit per driver)

Just as the hadware store makes more money by selling more pounds of nails, the insurance comapnies actually benefit IN THE LONG TERM from a higher level of PREDICTABLE claims.

All that having been said, and even more importantly, the insurance companies lobbying for less deer would be proprtional to Doug or myself counting paper clips in our insurance agencies. It is so insignificant andsuch a very small number in the big scheme of things that it doesnt even get their attention in a state that ranks among the highest states for deer car collisions.