Jennifer MacMillan's VW Transporter slid off the A82 just north of Alltsigh, between Fort Augustus and tourist hotspot Drumnadrochit, then plunged 100ft down an embankment, landing on its roof.
As water flooded into the upturned vehicle, the 34-year-old mum saved her two children and sisters Abigail, 15, and Sarah, 13, from the mangled wreckage.
They scrambled up the bank to raise the alarm and they were taken to Raigmore Hospital in Inverness, 23 miles away. Amazingly they suffered only minor injuries.
Speaking about her ordeal, she said: "I'm still trying to get over the accident, trying to put it behind me."
Jennifer, the eldest of Nutkins' eight children, is still grieving for her dad who died of cancer four months ago.
A police spokesman said: "The occupants of the car were very, very lucky to escape with minor injuries from such a serious accident."
Jennifer, who also recently separated from her husband Malcolm, added: "Last year was a horrible year and I'm hoping this New Year will be a lot better.
"It was a horrible Hogmanay but given the circumstances, it is a happy New Year."
She was speaking from her home in the remote village of Glenelg, in north-west Scotland, where her dad, the former co-presenter of BBC kids' show Animal Magic and The Really Wild Show, died of leukaemia aged 66.