My dad used to say that the city lights always look best at midnight.
If I'm understanding you correctly (sorry, I'm new at this) It sounds like you are describing an accident that either didn't actually happen, or was minor compared to what could have happened. I would call this a "near miss" or "close call"
Explanation:
For example: I had a near miss today when a dog ran out in front of me.
Or: He had a close call when his foot almost slipped over the edge of the cliff.
Explanation:
Your request should include the specific reason why you need the advance, exactly how much you need and how you intend to pay it back. You should also explain your plan for making this a one-time request. Be prepared for your employer to deny your request or to ask that you make some changes to your terms.
Forced to walk over 1,000 miles of rough terrain, thousands of men, woman, and children were made to abandon their Georgia homelands for Oklahoma.