Disclaimer: I am not a lawyer. Just speaking from my own experience, and the experiences of friends.
She is NOT obligated in any way to accept what the other person's insurance company is trying to offer her. But, if she wants to do anything other than letting the insurance co. have their way, she is most likely going to need a lawyer.
That being said, if the frame needs straightened, she's better off taking the cash and buying something else.
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