Why on earth would this go to suit? They have no suit by the way as she has not reached tort threshold.
If she gets hooked up with the typical ambulance-chasing PI attorney, she'll get over the threshold on an MRI, a couple of X-rays, biological testing, and a couple of chiropractor sessions for 'tension in the neck' or some such BS. Given the at-fault impact injury, the PI attorney can run the bill for just testing for and treating a possible soft tissue injury (Oh, they all have pet docs that will give them a diagnosis to at least minimally support it, of course) for 5K easily. Of course the providers and the PI attorney get the lion's share of it, unless it gets pumped up north of 10K, then the 'Injured' starts to cash in too. The insurer here is basically just trying to settle for nuisance value quickly.