At the Karl Heusner Memorial Hospital most surgeries seem to run around $1,500 Bz - all in, including icu care etc. So if she has had 3 surgeries you will be looking at a little less than $5,000 Bz. Don't forget though that recovery could take quite a bit of time - and she will not be making an income during that time. And a family member will need to stay home with her so her son or husband may not be able to work either.
One would think that the golf cart insurance should apply. One would also think that the person that caused the accident should be pitching in to help somehow.