I've had close calls with squirrels too. They can scare the daylights out of you when they come from nowhere and then do that little dance in the middle of the road trying to decide which direction to go I've also had deer and wild turkey jump in front of me but, thankfully, have never hit one.

DH on the other hand had a cat jump from side of the road straight into his front wheel! He thought he was going down for sure and that "oh, this is going to hurt" thought went through his mind but he managed to keep the bike upright. The cat was tossed into the air, landed on all fours on the other side of the bike and ran away. Both DH and the cat survived unscathed. We still see kitty in the same place on our morning rides but he runs the other way now!