Sorry to hear about the accident. Hopefully she'll be fine. Look, I adjust claims for a living and I can tell you, she's got herself a good claim there. Tell her not to sign anything from the insurance company until she's done treating for her injuries. They may ask her for a medical authorization so they can get the records from her treating physicians...etc. That's okay. But DO NOT sign a release until she's ready to end the claim.

She should be able to collect for:

1) Property damage (assuming that it was her car she was in when she was hit)

2) Lost wages

3) Pain and suffering.

Not sure about the medical bills as I am not up on my Missouri law. Either her carrier will pay her medical bills (Under a NO-FAULT statute) or she can send them into the tort-feasors carrier for them to pay. I am sure that her insurance company can advise her in that regard. Make sure that she keeps records of all of her co-pays and RX payments too. She'll want to be able to submit them to the tort-feasors carrier.

Good luck - hope all works out well.