Nurse Druce's husband is said to have gone down with his ship and to be legally alive as she could not prove his death. However the usual practice in such cases is that a joint death certificate is issued to present exactly this from happening.
When Frankie and Dr Ormerod are attending to Geraldine after the car accident, a few minutes later nurse Taylor and Dr Goodwin arrive. However it is unclear how word got to the Royal about the accident. There was no radio in the van that Frankie and Dr Ormerod were following in, and unless a passing motorist was given instruction to contact the Royal, there is no way that Dr Goodwin or nurse Taylor would have gotten word about the accident. Presumably an ambulance and the police were dispatched once word got to the Royal.