Answer:
Complex sentence.
Explanation:
I’m not that sure, but there is a subordinating conjunction ‘if’, and ‘if the bus is late’ is a dependent clause, whereas ‘Britta will have to walk to work.’ is an independent clause, which makes it a complex sentence structure.
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.
The setting, The main character, The theme, The problem and solution. The begining, middle or end. And lastly the POV (point of view)