There’s no such thing as fate or luck. Either you live in a bad area for crashes or your wife is a terrible driver. I’ve been in cars with “safe“ drivers, btw; by that, I mean that they drive too slowly, merge late, cut people off inadvertently or generally create an atmosphere of high tension in which an accident is probable, even if they’re not eventually found at fault. They simply drive obliviously and others react and throw emotion into the mix. In these situations, they cause others to act erratically, even though the route cause, if properly examined, might show the “safe” driver to be at the center of things. This is common with overly timid drivers and is in no way a dig at your wife. It either is or is not true and only you, who have driven with her, can determine this, even if you don’t want to admit it here on BITOG.
If this is the case, a larger vehicle may make her safer, despite what others say, but it may also give her a false sense of security.
Finally, how many accidents have you gotten into, assuming a similar route and driving history (mileage) to her’s? That might shed some light on the route cause, as well.