If she can no longer work she can sue for lifelong damages. DO NOT take the settlement.
My dad was in an accident where the guy was drunk and tboned him and his sister.
My aunt took a 4k settlement. They offered my dad 8k. He said fuck you, went to court and got 100k+.
My aunt was sorta angry about that.
Reason my dad got so much is because it injured his shoulder beyond repair to the original state and he was a hobby weight lifter considering going pro. So he won the sob plea.