Anyway, unless every single accident is something where it came out of nowhere with no way for her to prevent it, I really doubt that she's not somehow at fault. I'm an insurance underwriter, and I've looked at thousands of driving records. I've never seen any driver with multiple accidents that didn't also have more tickets than accidents. Good drivers drive defensively and avoid accidents; that is why I don't really buy "not-at-fault" accidents unless there are extenuating circumstances.
As you have to do a lot with statistics, you know that statistics dont say a word about the single person.
For example, after driving more then 10 years without any accident, a person I know got 3 heavy accidents in less then 2 years.
2 times someone crashed in her back while standing at a red light or normal crossing. The 3rd the other driver didn't respect right of way.
That definitely qualifies as multiple accidents, but in no cases it was her fault.
I also had an accident a year back. Someone decided that he didnt want to wait another traffic light roudn and drove out onto the turn-left lane where it was just a bit over 50% wide - with a boat hanger.
So I tried to drove as much right as possible to not get hit in the side by the end of the boat hanger, looking only left and right. And crashed (not very much, because I could brake most of speed) into someone who was standing in front of me. But he should not have stood there, he had right of way. He let another driver in - he stopped after I looked forward because of the boat.
I could have prevented that by hitting the brakes with full power, risking that the car in my back hits me and/or the boat hanger hits the sides of my car. But I drove on, trying not to get hit with the next car in front of me 100m away the time I stopped looking, still driving.
But even if you know all the facts now and - maybe - would have done otherwise, you have to make that decision in half a second.
Technically it was my fault. But the reason was one stupid driver and one friendly in a bad combination.