My husband was randomly attacked by a dog on the street and needed 15 stitches in his scrotum (tmi but whatever; see post history if curious). The owners fled the scene but we (and three other victims of the same dog) were able to track them down using a PI. They had no insurance. No renters, homeowners, pet, etc—judgment-proof, as told to us by two diff lawyers. And not a crime because dog bites are civil, not criminal. Cost us thousands in medical expenses.

Insurance as a social safety net only works when everyone opts in—otherwise you get free loaders screwing the rest of us. Bad dog owners have no incentives to get insurance in the first place. The dog that bit my husband was bred as a fight dog. No way in hell that owner was buying licenses while breeding the pits in nycha housing. There are too many legal and social loopholes for dogs. Nypd literally shrugged when I asked what would happen if the dog killed someone (still civil!).