Well we always hear don't swerve to avoid an animal in the road for safety reasons. After talking to my insurance company, don't swerve for insurance reasons too!
Turns out my incident with the raccoon is covered by Comprehensive. $300 deductible with no rate increase. She said if I would have swerved to avoid the animal and hit anything to cause damage...a curb, mailbox, etc regardless if I hit the animal..it now becomes a Collision insurance claim. And your rate goes up.
So don't swerve...