You seriously have no idea what you're talking about about any of this.Insurance companies do not lose money because of deer claims.Deer claims are a very,very small part of their loss ratios.On top of that,they're predictable from year to year so that allows them to adjust premiums accordingly.They simply pass the cost on to the policy holders.I may not be a ceo but I'm constantly aware of and involved with managing risk at both an agency and a corporate level.When you run an insurance business that's what you do.Never once in the past 25 years have I ever heard deer being being brought up.Are deer claims an issue?Absolutely.They're an issue to every person who drives.Not only is their a safety risk but it costs people money when they hit them in terms of higher premiums and deductibles.Obviously the state wants less deer claims but it's not because they want to help out the insurance companies.I'm not sure how to make any of that any more clear to you.

I generally don't read Pa outdoor news so I can't comment on the article.However,we can talk about the habitat if you like.It's a complicated issue but anyone who claims that there's been no improvement is off their rocker.I live on the edge of Moshannon state forest which is several hundred thousand acres.Prior to HR,the habitat was a disaster and it still is in places because there were way too many deer for way too long.Ten years ago,they could get any regeneration without fencing the deer out.They haven't fenced a timber sale in this entire district in over six years.They also took everyone of their units out of dmap three years ago.