[what if the dog was useing the bathroom, or whatever regardless there is no remorse shown when you dont report it
well anyway its his loss because insurance doesnt cover anything unless a police report was filed and makeing a bogus police report is fraud
insurance would cover it under comprehensive and most companies don't require a police report for hitting an animal. It is very common.
As far as the situation- he shouldn't have been speeding if he is going to be preoccupied doing other things. I text with my phone and talk on my phone but I try to be more careful if I'm doing that. I don't speed.
I think the big thing here is-it could have not been a dog, and it might be a person next time. We're glad you are okay and yes, it was just a dog (even if it was someone'* dog who meant alot to them-it was still just a dog, could have been worse), but everyone should take this as lesson to slow down, pay attention for their own sake and anyones who'* around the roadway.