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Scooters are more nimble, thus are ridden more dangerously (often zigzagging in traffic).
Scooters offer less protection, thus an accident always results in more trauma for a scootard than a cager.
What I wrote here, is only common sense.
The problem is:
1- If she was getting a 50cc, her chances of having a minor accident would get up a lot higher, because of the way they are ridden.
2- If she was getting a 150cc, her chances of an accident would be the highest of all, because a 150cc can be used to zigzag in traffic, but it can also be used at higher speeds.
3- If she was getting a 250cc+ bike, her chances of minor accidents would decrease, but the ones of major accidents would increase. This due to the way such bike is ridden, as 250+cc bikes generally are ridden like a car, and not to zigzag between traffic. On the other hand, 250cc can still zigzag between traffic, even at highway speeds; and an accident there, is most surely going to be graver.
A scooter is prone to accidents with cars while being in the car's blind spot. A car has less that possibility.
A 150cc scooter is kind of the same as a car in acceleration, and useable speeds not on the interstate (upto 50-60MPH).
A scooter in an accident will be worse for the rider, than a car in an accident, in which chances are greater that the other party will have more extensive damage.
Regardless, a 50cc scooter is not a bad way to learn to ride in traffic.
Less major accidents, more minor ones (like bumping against car mirrors, sliding in a corner at lower speeds, etc..)...
Also, let's not forget scooter stability is way lower than a car's.
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