FYI on Insurance Hoop-Luh,

I was a field claims adjuster(road warrior)for 22 years with 3 major insurance carriers. I was everbodys friend unless you tryed to Cheat,or Stole from the honest insureds who paid premiums. There were many insurance cheats and thieves out there in various forms. In that case I was your worst friggin nightmare! Its all about loss control,competitive rates and yes - profit.

Having said that - Insurance companies have very little if anything to do with ALT plan or the perceived demise of the PA Deer herd. That's a fact! Insurance companies have lobbiests. You can be assured the issues with PA Deer is on the bottom of the list!

There ar many factors affecting rates but simply stated - every insured pays a rate(s) based on "risk factors" "claims paid" "amout paid" based on his/her claims history and claims history of a particular state or local in some cases.