[burroak]

What part of cheap skating don’t you get?

He saved all the C/C costs, spent it how ever he wanted and expects other policy holders to pay for his greed.

[Arguendo]

He's not responsible for the damage. The dog's owner is. Even if he had insurance, his insurance company could sue the dog's owner to recover the costs, meaning the outcome would be the same (with a few additional administrative costs).

Why should he have to buy insurance to protect against damage for which other people are responsible? Why shouldn't they (or their insurance company) pay for it?