There are probably quite a few ways to provide some feedback on this theory will try to illustrate some thoughts clearly, but I may ramble... (imagine that!).
Some points first that we can all agree on...
1) Insurance companies prefer not to pay out, a perfect situation for them would be folks who pay in and never have a claim or get to collect.
2) Deer (and other wild ungulates including, elk, moose, pronghorn, bison, wild sheep) do indeed cause major amounts of vehicle damage and loss each year on highways around our country.
3) Wolves kill and consume every one of these groups of species in our country
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Those would likely be "given" statements to all of us, though I may be wrong, they are a good starting point to discuss this.
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Now, to address the question at hand, let us walk through the proposed hypothesis and the statements that are needed to support the hypothesis that insurance companies would have a vested interest and support wolf reintroduction and keeping numbers in established wolf states high to keep deer numbers low or reduce deer numbers to reduce vehicle damage.
To do this we must believe true the following...
1) G&F agencies want more wolves than they already have, or desire to keep them at higher than biologically logical numbers...
2) Insurance companies have found statistical evidence that shows in areas of high wolf populations there are lower vehicle collisions with ungulates (in this case deer).
3) Insurance agencies have a method to influence wolf policy with G&F agencies in various states in an attempt to increase their bottom line.
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No matter what my comments are on this they would be considered opinion, but often that is what any of us are giving on here as fact is often not applicable to fluid situations in our work day...
So, my opinion is that not only do wolves cost state wildlife agencies a ton of money that they often don't have to manage a species that is loaded with lawsuit potential at every corner, but insurance companies work on statistics, cold hard numbers and though the numbers I'm sure show that deer play a huge role in annual vehicle damage, deer and other ungulates that use road side areas and graze in the strip along the highway are less vulnerable to predation by wolves.
For an illustration of this, when wolves were added back to yellowstone, the coyotes moved where? Right up next to the highways where the people were, why? The wolves were not in these areas...
Insurance companies back studies of warning systems to tell people "hey dummy you are driving through a migration corridor for mule deer" or "ever see what a moose does to a car?"
In southern UT on a wildlife society trip for school I remember we were passed in our university van in the middle of a flashing migration corridor by a sports car zipping along with not a care in the world, literally 1/2 mile down the road we pulled over and checked on the same folks who had just smacked a large muley.
I worked as a technician for a grad student while in school in UT, think I received $40.00 a week to go on two trips in the state to different research areas and spotlight (thats right) wild ungulates and do track counts on highway crossings. Saw people hit moose, mule deer, and so forth during this study and most hit them in warning areas with flashing signage... (p.s. would have done that tech job for free!)
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Okay, so rambled off there, if you are still with me, lets assume the insurance folks found some statistics saying in X county in northern MN deer vehicle collisions are 50% of what they are in areas in the state without wolves. Now this would certainly spark some interest by them so we now go a step further....
How would they actually become a player that affects the DNR or G&F agency to protect or enhance the wolf population? There isn't a direct conduit to put money in that causes wolf reproduction to increase or pays for protection of wolves.
I believe many many folks believe that wildlife agencies are wild for wolves when in reality wolves are one of hundreds of species they work with including both game and non game, endangered, threatened, sensitive, and abundant. Most of these agencies are severely and even grossly underfunded and are always under attack for not doing more to protect for example, the wolf.
Lawsuits rule where wolves and other T&E species are concerned and so in closing this excerpt I'd state clearly that if insurance companies want to promote wolves, they would likely back an wildlife group that needs money to sue the DNR or G&F agency as that is frankly how it is done.
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Now if you want my simple off the cuff on these types of theories and conspiracies....
In MI we were stopped no less than 4 times a month during a 4 year field research project on radio collared coyotes and we were asked with deadpan straight faced honest delivery, "are you the folks responsible for reintroducing the grizzly bears around here and mountain lions?"
These were not folks who just fell and bumped their heads, folks truly believed the G&F agency was releasing their own under the radar grizz and lion and why..... (wait for it....)
To control the deer numbers!
And that folks is why I prefer that theory by Occam... "The simplest explanation is usually the right one."
(In case anyone is wondering busiest year yet for the wife and I however I type 60 wpm and love some of these topics, hope that once in a while something I say is valuable, but enjoy the debates either way!)
The state wildlife folks I know are great people whether they work with bats, or fish, or reptiles or big game. Some of the most dedicated and selfless people who don't make near what their time would be worth in the private consulting world. Plus they get to take a ration of crap from the bulk of the public who either want to kill everything, or want to save everything, never a right answer that works for the masses, just trying to find the spot that yields the least amount of backlash and hopefully jives with enough science to stand by...
If you made it through this, you have way more attention span for my stories than my wife!