Also- it’s very different going on holiday and using a rental car for say a week- for short stretches of time to moving to, and living in a foreign country and not giving yourself the adequate amount of time and practice to fully get used to the country’s roads.
Not if you hit someone, it isn't. AS could have driven perfectly in the UK for every day she was here - until she didn't.
The study isn't dubious - insurers have this sort of info. It's just really not unusual.
A prior traffic infraction would stop no one from driving a car abroad years later, unless it's a DUI or the like. If it was in the USA, she likely attended traffic school for it. (Though obviously I have no idea.)
I think it is absolutely fair to criticise her decision to flee the UK.
But the accident itself is not something I would throw stones over. It could happen to anyone, and indeed the mistake that caused Harry's death happens to scores of Brits, every year.