I'm not really sure where you live or where this took place, but this is why I'm hyper alert in my Newport and would never drive it into a city limit of any kind. I'm sure you are too, but seriously, every time I come to a stop in front of cars in an intersection or traffic light, eyes immediately on the side glass and rear view mirror to see if anyone is speeding towards me far too fast to stop in time. At least in the Newport the visibility on that mirror and rear glass is FAR better than you would think, the side mirror as well (of which I only have one, but eh, rear view has good visibility).
At least this seems to be clearly insurance fraud, and if nothing else she'll probably get the book thrown at her, if we use the analysis of crooked justice, insurance companies don't like losing money to fake payouts and like to make examples. I would take solace in that, if it doesn't happen, then golly. But that seems to be fairly consistent in my experience.