The Coroner, Robert Chapman, heard accounts from passengers on the minibus who described a scene of carnage.
Lynne Davidson, who escaped with minor injuries, described what happened when she found Miss Rennie:
"I became aware of Rebecca lying on the floor, I asked her how she was, someone put a blanket over her, she wasn't' making any noise"
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Pictures from the commemoration marking the centenary of the Quintinshill rail disaster, which killed more than 200 people, is underway.
The 100th anniversary of Britain's worst rail disaster will be commemorated at a special service today.