If you have a homeowners or renters policy your insurance company will defend you. If you're in college and still a dependent of your parents then your parents policy will defend you. In my state regarding these cases there is a saying "first bite is free" which means if your dog hasn't shown any aggressive signs and and never bitten anyone then you're not usually guilty of negligence but you might be liable for med bills. Unless your dog bit a 5 year old beauty queen in the face then you're probably going to be fine. Dog bite claims are not always clear cut and are handled on a case by case basis.