Charlie, our white 50 lb., 7 year old labradoodle mix will not miss an opportunity to run out of the house and streak through the neighborhood if someone forgets to hold his collar when the door opens. Our biggest fear was that he would get hit by a car. On Feb 27, 2012 it happened. It could have been much worse. The car that hit him was rolling out from a full stop. We took him to the animal hospital because we didn't know if he had internal injuries. It could have been a lot worse - just a sore dog and a scraped up back leg.We sent our claim for $556 that night and less than 2 weeks later, no questions asked, our check arrived less our deductible. This is what you hope for from an insurance company.