The Accident Season: Moira Fowley Doyle

This was a teen fiction book dealing with the supernatural. Claire lives with her sister Alice, her sort of step brother Sam- who was her step dad's son, and her mom. Every year in October the family suffers from what they call the accident season. In the past Clair's dad, uncle, and grandfather have died from accidents in October and they all suffer from broken bones and cuts. One day Claire goes through her photos and sees an old friend Elsie is in all of the photos even the ones out of town. She goes on a quest to find out what happened to Elsie, they fell out of touch after she healed from her father's death and made friends. No one seems to remember her, but they find an address that takes them to an old abandoned house. In the end we find out Elsie was a sister that died from drowning in October before they were born and every October she goes looking for "the light" and doesn't protect them from injury. Claire falls in love with Sam.