Buy comprehensive insurance.... You don't have to swerve for anything
I have totaled 3 vehicles hitting animals. I consider myself a VERY competent driver (I have a class A CDL) but would never swerve in the name of saving an animal. If you hit a dog in the road, the owner of the dog is at fault, and can legally be prosecuted to pay for the damages. While it may sound unkind, that is the law (at least here in NY). There are leash laws for a reason, least of all the fact that they could get hit... What if it wandered off the property and bit someone? I am a dog lover, but have the firm belief that they need to be trained or contained.