My son hit a mastiff on his Ninja 250 a few years ago on a one lane rd going about 25mph. CHP was on scene, a report was made and insurance was exchanged. When the dog owner's insurance contacted the dog owner, he denied that it was his dog. Then I was told I was out of luck. I pointed out that the CHP report had a statement from the homeowner admitting it was his dog. They replied by saying " Just because that's what it on the report, doesn't mean it happened" We got a lawyer and after a few months of battling, the insurance wanted to go to a trial. The lawyer then said it wasn't worth their time to go after a $3800 medical bill. I'm thinking the medical bill got paid behind the scenes or written off because I have not seen another bill since then. Moral of the story- Have full coverage and med pay if possible. Sucks that you have to deal with it, best of luck.