Dogs are wonderful. They can be affectionate and playful and can quickly become a member of the family. However, it is important to remember that dogs are still very much animals and can react to stimuli in unpredictable ways. When scared or in protection-mode, for example, a normally friendly dog can bite.
Car insurance is one of those things that you pay for, but hope you will never need to use. The fact that you do pay for your insurance, though, makes it particularly frustrating when you get into an accident, only to learn the other driver was not insured.