Bambi Is an Insurance Company Actuarial Liability

My dad, Tom, always had a theory that automobile insurance companies would eventually destroy deer hunting. Not because they hated hunters or because a shadowy cabal of claims adjusters met beneath Lansing every full moon, but because Dad understood basic economics: deer hit cars, insurance companies pay for cars, and insurance companies don’t enjoy paying for cars. To a hunter, a big Michigan whitetail is November tradition. To an insurance actuary, he’s a hood, grille, radiator, two airbags and a rental vehicle standing beside the highway eating grass. Dad didn’t need a conspiracy theory. He understood something far more powerful—incentives. Eventually, somebody was going to put Bambi into MS Excel.

Oregon’s Coming Expensive Lesson

For decades, hunters and fishermen have quietly funded conservation while everyone else took credit. In Oregon alone, sportsmen contribute nearly a billion dollars annually to the economy and generate tens of millions more through Pittman-Robertson excise taxes that fund wildlife habitat, hunter education, and conservation programs. Yet lawmakers continue treating these same people as a problem rather than partners. Perhaps Oregon should proceed and learn the lesson firsthand. Numbers don’t care about politics. When the funding shrinks, the jobs disappear, and conservation budgets start hurting, the state may discover who was paying the bills all along.

The Michigan Deer Debacle: How the DNR Managed to Fail Hunters, Farmers, and the Deer Herd All at Once

For generations, deer hunting has been woven into Michigan’s identity. Opening day used to look like a state holiday. Orange jackets in diners at 4 a.m., rifles leaning in pickup trucks, kids learning from their dads and grandfathers that hunting wasn’t just about venison—it was about discipline, stewardship, and tradition. But if you look at the numbers today, something has gone badly wrong. The Michigan Department of Natural Resources has spent decades regulating, restricting, tweaking, and “managing” the deer herd, yet the results speak for themselves: declining harvests, shrinking hunter participation, and a system so tangled that it now struggles to produce enough hunters to even keep the herd under control.