I would not have paid out either.
In some of the pp's admission the child isn't the OPs responsibility.
As the child behaved badly, it goes to the guardian of the child to take responsibility of the child and their actions.
I have a 3 year old and if she got upset she couldn't stroke a dog and kicked off I'd make her sit with me until she calmed down.
Equally the child throwing the toy is something a 3 year old would do but as its the child's actions I feel the parent should get a new one and explain.
If the dog snatched off the child then yes the owner should pay up no question.
My DD has had several dogs jump up at her- I'm surprised how stoic she is she just stands stock still. I never taught her how to react but we have a larger dog at home (guide dog) so anything smaller is kind of a new territory.
She knows not to stroke DSis's dog as he's old and a rescue who can't hear well so if he's alarmed he will panic. Plus he's a grumpy bigger.
I like dogs but you have to be sensible with them and not let them impact negatively on others lives.
I used to be terrified of dogs until. 14 and my friends Rottweiler of all things helped me not be afraid. She was a beauty and so gentle I was surprised.
I woke up one morning at a sleepover at friends house and the Rottweiler was laying across my chest, face in mine. I nearly pissed myself then it locked my face. It also had a habit of snogging your feet!
I find smaller dogs try to compensate for something and can be quite nippy.
I always get DD to ask if she strikes a dog or a cat (any pet really, bar a gold fish).
Anyway I digress.
Can we see a picture of contented terrier with stuffy jowls?