Well you're just a travel insurance expert!! I think it's hysterical and awesome that you're the "go-to" person when your friends need trip insurance advice; especially when it's international travel. It can be tough being taken care of when you don't understand the language.
It's definitely a good thing that you and your group are protecting the trip investments they make. Let her know that she would likely be able to cancel her trip because of the car accident. Many travel insurance plans cover traffic accidents that keep you from going away, as long as the accident happened on the way to the departure. Some travel insurance plans even have delay benefits which may help if you miss your departure due to other transportation related delays. Not that they need it in this situation, but now you know another thing to keep being the expert. Missed departure and delayed departure benefits are examples of the different ways that travel insurance plans can provide a sense of security for travelers.