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I don't know about the laws in the state you live in - but in both states where I've worked in insurance, a dog but is ALWAYS covered by the owners homeowners or renters policy under the liability section. Also - if they are renters and don't have a policy, the landlord sure does and it would fall to them. In the end, as long as you weren't somehow abusing the dog, the owner is 100% liable for the dog biting you and all of your medical bills should be covered completely. It sounds like you've already got some kind of case going though - so you probably know all of this... I hope you're healing well.