I agree that small dogs are more likely to bite, I'm a groomer, small dogs try to bite way more than big dogs. But I do think this is a bit on the ridiculous side, especially considering there was no medical report on the bite. I'm sorry but I would be pissed if somebody said my dog bit them but had no photos or medical report to prove it. I feel like that is necessary, especially to be declared a "dangerous dog." I think the million dollar insurance policy is beyond ridiculous. If the dog (any dog, any size of dog) inflicted some serious damage, okay, but but a bite that didn't even require medical attention? Require the dog be in a securely fenced yard or on a leash at all times, problem solved. Which I feel like EVERY dog owner should be required to do, I don't care if you have the friendliest dog on the planet, unless they have awesome recall skills and they will not leave your side or yard, EVER, don't allow them to be loose.