Except for the occasional dud, the only reason for "bumping" I can think of is an impact at a to acute angle. The angle at which the torpedo impacts (not the angle at which it is fired) should be as close to 90° as possible, in both the horizontal and the vertical plane. Keep in mind that the hull is curved at the bow/stern as well as at the bottom, so the angle between the ship course and torpedo course is not necessary the same as between the topedo and the hull.
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