Pet insurance in Pennsylvania

There is one peculiar difference between dogs and cats when it comes to pet insurance in Pennsylvania and pet policy in US. It also perfectly describes the difference between cats and dogs. When you drive a car and suddenly your dog has somehow caused a car accident, then, if you can actually prove it somehow, your dog will be officially guilty of this. Dogs are usually quite short on money, so it is still you who will pay for the damage caused to other people in this accident. If you insure him, it will be covered for you. But if a cat with PA pet insurance does the same thing, and again you have a proof - you are both free from any responsibility, because cats are free to do whatever they want and can not be obliged by any law.