Most mortgage companies won't allow you to buy a house without homeowner's coverage. Its a safe bet that there is indeed homeowner's coverage. You may have to serve the neighbor with a lawsuit, which would then prompt them to turn it over to the insurance company. I am not aware of a public method of identifying whether they have coverage. If they are refusing to disclose the coverage, then a lawsuit may be the only way to properly motivate them to do so.
I agree with counsel that you need to consult an attorney who is willing to fight for their money not just send a form letter and see if they can collect money for no work. Keep in mind though that being bitten doesn't mean you automatically get money. You have to prove damages. If you didn't go to the doctor/hospital you may be out of luck getting any money. You also have to ask yourself is it worth the amount you may actually get. Even if you win a lawsuit you may get a judgment that is uncollectible because the defendant does not have any resources.
Attorney Chris Beck
Beck Law Office, L.L.C.
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