The correct answer is D. She hasn’t driven a car for three years.
The sentence is about a woman who has not driven a car for three years. The word “since” indicates that the woman’s lack of driving is a result of something that happened three years ago. The only answer choice that makes sense in this context is D. She hasn’t driven a car for three years.
The other answer choices are incorrect because they do not make sense in the context of the sentence. A. She had had an accident three years ago does not make sense because the sentence is about the woman’s lack of driving, not about her accident. B. She hadn’t driven a car for three years does not make sense because the sentence is about the woman’s lack of driving, not about her past driving. C. She has had an accident does not make sense because the sentence is about the woman’s lack of driving, not about her accident. E. She has driven a car for three years does not make sense because the sentence is about the woman’s lack of driving, not about her driving.