A Montgomery County woman was killed in a head-on collision near Clarksburg Monday morning, and Maryland’s state medical examiner has ruled the death storm related.

“If not for the storm” the accident would not have occurred, said David Fowler, the state’s medical examiner. Montgomery police were more cautious, saying it’s possible the storm played a role.

Mai Ai Lam-Phan, 66, of Clarksburg, was driving north on Frederick Road when a Nissan heading southbound crossed the center line and ran into her Jaguar, police said. They responded at 11:38 a.m. She was pronounced dead at the scene, and the Nissan’s driver, a 19-year-old Germantown man, and his passenger, were hospitalized with non-life-threatening injuries.

“Witnesses reported that there was water covering the roadway at that time and on that portion of 355,” said Capt. Paul Starks, a Montgomery police spokesman. “Those conditions were present. Whether they had anything to do with the collision or not is still under investigation.”

The investigation will take weeks, Starks said.