bigger'n a semI?
Truck driver with 18-wheeler died when he hit a moose that then came thru' the windshield - thrashing that great head with mammoth horns.
I'm guessing you don't live in moose country?
Nope; just elk & bison. Naturally, speed is also a factor, as well as front end slopes & other geometry.
I’d still rather take my chances not swerving, rather than roll off an embankment or hit someone else head on...my comp deductible is half what my collision deductible costs.
(NOTE: I said and meant “swerve”; never said I wouldn’t try to slow (even stop if possible) and CONTROLLABLY steer around one.)