He told me that she had had an accident VS He told me that she had an accident

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He told me that she had an accident is the most popular phrase on the web. 

He told me that she had had an accident

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He told me that she had an accident

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Some examples and use cases from the internet:

Some examples and use cases from the internet:

  • Past Perfect – Ex: “I had had a car accident”, Marry told me.
  • Past Perfect – Marry told me (that) she had had a car accident.
  • I asked my dad what happened to this woman and he told me that she had an accident with her daughter at the airport and she has been in Coma for 6 months.
  • She had an accident in the kitchen. I didn't mean to spill his drink.

  • gently tell her that you know she had an accident.

  • When she called telling me she had an accident, she had walked to the hospital.

  • I wanted to visit my grandmother last week because she had an accident and had to be taken to hospital.

 

Correct Usage of Has, Had, Have in the Situation of Accident

The present perfect (“has/have” + past participle) always directs to an action which happened in the past, but carries over to the present.

If I say, “He had an accident,” it occurred in the past and it’s over. Maybe it was few years ago and he’s fine nowadays.

“He has had an accident” means that the accident already happened, but there are still consequences from it right now. Maybe he’s injured and is bleeding. Perhaps his car is wrecked and I need to take him home.

If it is truly in the present, if he is falling down the stairs as I am speaking, I have to say, “He is having an accident.” This is rare, because accidents are usually things that happen fast.

So, if I hear “He has had an accident,” I assume that it happened very recently—within the last few minutes or hours, perhaps.