feelgood

There's really no legal option. The insurance company has perfectly valid reason to drop your friend due to her record. It doesn't matter if she has 9 not at fault accidents on her record. They take a look at her record and compare it against the average for everybody and go "Hmm..this person has high risk of getting into accidents and is costing us money". The key word is high risk and now that she has a 30mph over speeding ticket to reinforce that statement. How do you think the insurance company is gonna look at that as? It's just gonna make them realize that she's is not worth it and just as likely to drop her.

Look at it this way; insurance companies don't give a living fuck if a bird shit on your car causing a dent on the roof, you're gonna pay either way.

Edit: Bad Luck translate into High Risk for insurance companies.

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Looking out the window, that's an act of war. Staring at my shoes, that's an act of war. Committing an act of war? Oh you better believe that's an act of war