Ask the Car Insurance Expert
I hit a dog that ran out into the street. If the owner comes after me for medical (I'm still not sure he really can) would my comprehensive cover it?
You raise some interesting issues here.
First, although comprehensive insurance covers animal-vehicle collisions, it covers the damage to your car -- not the animal.
If you can be held responsible, your liability insurance would pay. (The property damage part of your liability insurance would pay, because the dog is considered property.)
Leash laws may come into play. If there is a leash law and the dog is in the street, you shouldn't be responsible for its medical bills.
But let's say you end up being responsible for the vet bills. If it were me, I'd consider paying them out of pocket and keeping my claims record clean.