I do not know what insurance actuarial stats you are using.
I did post an article on April 9 on FR regarding State Farm paying out twice as much as anyone else for pit bull attacks.
Is this to what you refer?
That does sound similar to an article I saw. I am in the medical insurance industry so I get to see a lot of actuary tables and they interest me. Did you know that hang gliding and scuba diving have very similar risk profiles?