AmyLee,
Yes, that happened to me. I think it was back in 1994. I was following an 18 wheeler southbound on I-5 when the thing threw a re-tread. I had to make a split-second decision, which was "swerve or hit it square." I chose to hit it square (I have dirt bike experience). My bike back then was a Honda ST1100, and the damage that resulted from that trucker shedding his bologna-skin was that I lost my entire fairing lowers. It cost me $450 bucks to repair (doing the works myself).
But, I did make the right decision. Same is true with, say, a small pet dog. If you're not sure you can swerve safely, I say, hit them square (and yes I'm an animal lover).
-BT
