I think this may have appeared in the Bunty annual, maybe around early 90s. Short story where a girl is cycling home in the dark and is run over and killed but she doesn’t realise and thinks she just had a near miss - I think it might have been a lorry but could be wrong.
I remember that she goes past a new supermarket and is surprised because she thinks that just the other day it was still a building site. Then she goes home but a new family live there.
At the end she realises she was killed but I can’t remember how.
I seem to remember at the start she’d won an award. I’m sure I ‘adapted’ the idea of the story for an English lesson at school!