Anyone can see that she was a passenger, and the accident never would have happened if she wasn't a passenger. However, she didn't make a sweeping claim that she wasn't a passenger.
The insurance company had a limit of $100K per passenger, and then the policy defined a passenger as someone in the aircraft or getting in or out of it. She claimed that she didn't meet their definition of passenger at the moment she was injured, and therefore, she wasn't subject to the passenger limit.
The insurance company tipped their weak hand when they offered her $200K, double what they would have had to pay if they thought they were on solid ground. And, she's probably got way more than enough money to drag them through court, and she's got an excellent chance of winning thanks to the wording of the insurance policy. I don't know the maximum payoff per incident for this policy, but it's common to have a total payout limit of 1 million per incident.
She has recently announced that she reached a settlement with the insurance company. Evaluating this from the little that's known of the contractual obligations, it would seem likely that she received a large sum.