a) The woman asked if he had had an accident. OK. b) The man answered yes because the road has been icy.
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CalifJimThe man answered that he had because the road had been icy.Sorry, why you don't use '... he had an accident because ...'. Isn't it necessary?
Thinking Spainwhy you don't use '... he had an accident because ...'. Isn't it necessary?... he had had an accident is the full form.