I mean she was pretty screwed up for a few days, I think still on meds. Im no doctor and I dont really know what "whiplash" is medically, and what the long term ramifications are.
All I know is that the car is totalled, (not confirmed yet, but the rear quarters are crinkled in, the trunk doesnt close properly and the tank is leaking gas. My guess is its toast), and I personally would be pissed if I settled for 10k and end up having a long term injury.