Well, I find a couple things wrong with this story.
First, raccoons don't taste good, I don't now why you were hunting them with your motorcycle.
Second, insurance companies just don't really work as well as stated.
Third, NO HUMAN is awake at 3AM, Much less riding a motorcycle.
Oh, scratch that last one, Now I recall you were fire-hunting raccoons. Carry on.
Seriously Steve, glad you didn't get hurt - every time I've run a critter over I had to check my pants afterwards
! Steve