I would call law enforcement and insist that charges be pressed. It is your right to do so. I would also send all charges to the dog owner. Don't put it on your insurance. Put it on their homeowner's. Let their rates go up, not yours. I would send a letter to the dog owner reuesting their homeowner's insurance information. These type of dog owner's digust me. If you need the homeowner's insurance sooner than you can get it by requesting it in writing, have somebody else call the dog owner. Don't talk to the owner yourself if you don't know her well. Have somebody else call. If you don't have a lawyer, have a friend call as your agent. They should just say, "I am calling on behalf of JJ. She has has medical and veterinary expenses and will need you homeowner's insurance information." If she doesn't have insurance, she will just have to bear the financial burden of her irresponsibility. If the dog owner left the message on your answeringmachine, save the recording.
I would really consider getting a gun if I were you. This has gone too far.