she is holding the keys though, with a bottle of water ...
How can you be so sure they are "the keys"? and what does the bottle of water have to do with anything? - did she dry herself off by chasing the water into the bottle?
Which scenario is more likely? ...
1) 60 year old woman who wrecks car leaps from car like cheetah on crack to tell someone to take a picture of her stupid embarrassing mistake - while all the other onlookers ignore her
2) 60 year old woman tourist sees wrecked car and says "Hey Irving, take my picture in front of that thing" - she gets out of her own car holding keys and water - click