Help with this puzzle please ?

Question

the pier is wood,

the bell rang,

the lady died,

she wore a green raincoat,

ships were sail by.

How did she die???

Answer 1

she flashed her head lights and the ship crashed into the pier so she drowned

Answer 2

if the events aren't in order shown

the bell rang warning the ships about a possible hurricane since it was already raining hard. as the ships sailed towards their harbor the lady reacted to the bell, by quickly rushing out on the wooden pier, which was slippery due to the rain. as she tried to secure her boat she slipped and fell into the water. idk