After an auto accident, most people who are not knowingly and seriously injured are concerned with getting the money to have their car fixed so they can return to normalcy, and be able to resume driving to work or school. As most people now have health insurance thanks to their employer and Obamacare, any charges from their doctor or hospital resulting from the accident are likely to initially billed to their own health insurer, so even those who were injured are unlikely to feel they are out of pocket for those expenses.
That's why, in their rush to have their car repaired, people too often sign a "release" and thereby relinquish their right to recover for any personal injury sustained -- which sometimes does not manifest itself until weeks after the accident. Oh, and then they learn that their health insurer had the right to recover from the person at fault in the accident, and that creates a mess for them as well.
My sense is that is what may have happened here. UPS paid for the car repairs, she signed a release, and now she recognizes there also were doctor bills, some loss of pay, some miscellaneous losses (cab fares, etc.) and maybe even some lingering pain requiring more medical care, and UPS says "sorry, we settled all that already."
