Learn what "why'd she have" means, when people say it, and how to use it naturally in English.

It means the speaker is asking why the accident happened and may also be implying it was careless.
From The Escort, Episode 9
Someone reacts to an accident by questioning why she drove into a ditch.
Use this when asking about an accident or bad decision. It can sound judgmental if you already think the person was at fault.
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