Complete: Pay off/help pay off my sister's car

A few months ago my niece was in a car accident, caused by someone else, that caused the car to be totaled out. Well, that caused the car to be paid off technically, but a new car was needed. We probably should've said, "You get this much because that is what the settlement is." but we gave a little more. Why??? Because we didn't want her to get a piece of crap that she would be calling on to get repair for. Thankfully, my niece is a lot more car savvy than her mom and knows how to do some things like change the oil. So, I have helped in that sense and the car is no longer in my mom's name which is the goal.