A Victorian woman accused of killing four grandmothers in a crash on a remote road says she "missed the brake" moments before allegedly speeding through an intersection, according to her defence lawyer.

Lorraine Nicholson, who is in her 60s, has pleaded not guilty to multiple charges over the fatal crash at Navarre, about 200 kilometres north-west of Melbourne.

Elaine Middleton, 75, Claudia Jackson, 72, Tess Ely, 74 and Dianne Barr, 64, were returning from a line-dancing event when their Kia was T-boned by Ms Nicholson's Jeep about 6pm on May 5, 2018.

The four grandmothers died at the scene.