Accident or Blessing...?

Remember the accident we had back in Nov.? We just got a call from the insurance company asking to see the damage to the vehicle. We explained that we weren't hurt and there was no damage to the vehicle and even if there was it was so slight that we wouldn't need it fixed. The insurance company said that they would determine any damage and we could do whatever we wanted with the settlement. So, we arranged a time to inspect the truck. The inspector came out and did determine that there was damage done. When he was finished he wrote us a check. We had enough money to pay bills with a little left over for Christmas. So, you tell me, was our accident really an accident or a blessing?