She can go outside of the no-fault system if here injuries are considered serious under the law and sue the other driver.

Section 5102(d) of the New York State Insurance Law defines “serious injury”¯ as any one of the following conditions:
Death
Dismemberment
Significant disfigurement
Fracture
Loss of a fetus
A permanent loss of use of a body organ, member, function or system
A permanent consequential limitation of use of a body organ or member
A significant limitation of use of a body function or system
A “medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitute such person’s usual and customary daily activities for not less than 90 days during the 180 days immediately following the occurrence of the injury or impairment.”