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Amazing the amount of damage that can be done by an animal to a car or truck that out weigh them by 200 -300%. Sorry about your luck hitting the raccoon, but at least your insurance will pay for the repairs.
IMO always better to hit it than to try to avoid it. I had a buddy total his restored fox body mustang because of a raccoon. Swived to avoid it and sent him spinning into a guard rail totaling that pretty car.