I (28M) have always told my girlfriend (26F) that she needs to be a better driver. She can drive but she is overly cautious, takes longer than needed to look around when parked, stops completely for a good few seconds at stop signs, keeps checking her speedometer and braking the moment she is 1mph more than the limit etc.
Yesterday she crashed the car, and claims a semi suddenly swerved into her lane as she was passing it. She lost control and hit the barrier. Luckily it was not too bad and the car is drive-able and fixable.
When she explained what happened, I told her, I knew that would happen someday and she argued saying that it "wasn't her fault". I told her a single vehicle collision is always your fault and that if she had not over corrected, and slowed down gently she would not have lost control or even if she had hit the truck, then it would have been their fault.
The truck did not stop.
EDIT: Seems like I am the AH, I will apologize. I really meant to say in terms of insurance. Obviously I know the truck initiated it by swerving. Usually unless an accident is really serious, police do not bother finding the other driver and if insurance does not have that info they consider you at fault in terms of deductibles and premiums.