High deer densities may actually be good for some other species?!?!?!
05-07-2009 | 07:57 AM
#32
Nontypical Buck
Joined: Feb 2004
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RE: High deer densities may actually be good for some other species?!?!?!
No offence taken.Ialso take everything they say with a grain of salt.However,I have close to 20 years worth of experience to make an informed decision on.Loss ratios are very important to me and deer claims are the least of my worries.If we totally eliminateddeer,the claims from one bad winter would easily more than make up for those gains.You also have to remeber that the cost to repair and replace vehicles doesn't godown over time.
Deer claims are a very tiny piece of the overall picture.
Deer claims are a very tiny piece of the overall picture.
05-07-2009 | 08:00 AM
#33
Nontypical Buck
Joined: Feb 2004
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RE: High deer densities may actually be good for some other species?!?!?!
ORIGINAL: bowtruck
btb douge So you are saying if i hit a deer id be making the insurance company money right?
btb douge So you are saying if i hit a deer id be making the insurance company money right?
05-07-2009 | 08:37 AM
#34
Thread Starter
Giant Nontypical
Joined: Feb 2003
Posts: 7,220
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From: SW PA USA
RE: High deer densities may actually be good for some other species?!?!?!
ORIGINAL: bowtruck
btb douge So you are saying if i hit a deer id be making the insurance company money right?
btb douge So you are saying if i hit a deer id be making the insurance company money right?
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.
05-07-2009 | 08:58 AM
#35
Typical Buck
Joined: Sep 2008
Posts: 659
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From:
RE: High deer densities may actually be good for some other species?!?!?!
ORIGINAL: BTBowhunter
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.
ORIGINAL: bowtruck
btb douge So you are saying if i hit a deer id be making the insurance company money right?
btb douge So you are saying if i hit a deer id be making the insurance company money right?
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.
I think I get it. Sort of like (x)=the number of deer, and (y)= the number of hunters, and as x decreases, and y remains (relatively) constant, the variable of (N) representing the allocation of tags must increase to maintain the herd at the same levels, to give you the current sum-(BS).Gives you the scientific formula for deer mangement in PA: (Y+N)-X=BS
05-07-2009 | 04:35 PM
#36
Thread Starter
Giant Nontypical
Joined: Feb 2003
Posts: 7,220
Likes: 0
From: SW PA USA
RE: High deer densities may actually be good for some other species?!?!?!
ORIGINAL: Screamin Steel
I think I get it. Sort of like (x)=the number of deer, and (y)= the number of hunters, and as x decreases, and y remains (relatively) constant, the variable of (N) representing the allocation of tags must increase to maintain the herd at the same levels, to give you the current sum-(BS).Gives you the scientific formula for deer mangement in PA: (Y+N)-X=BS
ORIGINAL: BTBowhunter
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.
ORIGINAL: bowtruck
btb douge So you are saying if i hit a deer id be making the insurance company money right?
btb douge So you are saying if i hit a deer id be making the insurance company money right?
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.
I think I get it. Sort of like (x)=the number of deer, and (y)= the number of hunters, and as x decreases, and y remains (relatively) constant, the variable of (N) representing the allocation of tags must increase to maintain the herd at the same levels, to give you the current sum-(BS).Gives you the scientific formula for deer mangement in PA: (Y+N)-X=BS
I figured you wouldnt be able to understand a 9th grade algebra example
05-08-2009 | 04:09 AM
#38
Typical Buck
Joined: Sep 2008
Posts: 659
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From:
RE: High deer densities may actually be good for some other species?!?!?!
I figured you wouldnt be able to understand a 9th grade algebra example
05-08-2009 | 05:00 PM
#40
Nontypical Buck
Joined: Mar 2008
Posts: 1,212
Likes: 0
From: 3c pa
RE: High deer densities may actually be good for some other species?!?!?!
ORIGINAL: Cornelius08
Looks good to me SS. I had Algebra 3, trig, calculus, etc. etc... And that is the exact same answer I came up with.
Looks good to me SS. I had Algebra 3, trig, calculus, etc. etc... And that is the exact same answer I came up with.
thou.