Did that near miss really happen?

Driving home yesterday there was a lady on a bicycle riding a little ahead of me on the footpath.
The footpath was blocked by a Telecom Protective fence so the lady attempted to go around it by riding up the slight incline closer to the road.
She lost her balance and toppled onto the road in front of me. Brakes applied very hard, screech of tyres, smell of burnt rubber.
I stopped 2 meters away from her. She lying on the road, unhurt.