Does she live in a no-fault state?
If no, did the driver that caused the accident not have insurance?
Those are about the only two ways I could understand her own insurance picking up the tab for this.
I was in a similar freeway accident once. As traffic came to an abrupt halt, I stopped, the car behind me stopped, the car behind it stopped too. The truck behind the three of us did not, and hit with enough momentum to make it a four-car accident...me getting the last of it.
His insurance co paid out directly to all of us. My insurance was notified of the accident, but that was the extant of their involvement. All my future dealings were done directly with the trucker's insurance co.
