I'm like you. I don't believe in a God, but I believ more in forces (like your guiding angels) I am a firm believer in Karma and another force that just helps you out. I still think that we have full control over our lives but when we need a of help, those forces (I'm trying to think of a better word) help us out a little.
And so I think your little incident with nearly been hit with a ton of truck is a perfect example. That wasn't fate, it was just someone saying "Hey, you know what, I'm gonna help this person out" and somehow distracted you for 5 seeconds.
That's what I think.