Please don't be overly offended, but your "advise" is really incomplete; at best. No injured party should let the insurance company look out for them. The interests of the individual and the carrier are regularly quite adverse. Let me leave it there.
I am not the least bit offended. I think we can agree to disagree. This forum is not for specific legal advice but merely suggestions and I agree with what you say. However, there is no rush to retain counsel here and if the injuries remain minimal, intelligent people can work and make decisions without the assistance of private counsel.
While not "wrong", the problem with you giving advise is that it is limited and assumes too many variables. What is definite is that a professional will work for the client without serving any other master. Please bear this in mind. Seriously, I respect anyone who wants to help and am glad to have made your acquaintance.
The other question to ask is just where these folks will find a well-respected local personal injury attorney to take the case if it remains small, and I do hope for the sake of the asker's daughter that it remain small since that would mean the injuries are minor.
Under New York law, she is automatically entitled to money; assuming that the other vehicle is wholly or partially at fault. A qualified attorney, and there are many, will be most willing to help this woman receive full compensation.