Matteson said the woman was talking with witnesses while waiting for emergency crews to arrive.

"She was just like, ‘I'm cold. I want to get out of here,' " Matteson said. People removed their coats and put them over the woman until help arrived, Matteson said.

The woman was taken by ambulance to Community Medical Center, police said.

The woman was admitted to Community, said public relations manager Geoff Peddicord.

"She was pretty well banged up. We want to keep her for a day or two just for observation," he said. "She's a lucky kid."

Matteson said the accident left her so shaken that she was going straight home.

"It was just awful," she said. "I think it's just a reality check on how slippery the roads are."

The accident is still under investigation and no charges have been filed.

"The weather conditions were bad at that moment. There was a person hit and three cars were hit," said Nancy Wilson, who heads the transportation office of the Associated Students of the University of Montana, which runs the buses. "We're waiting for the police report. No tickets were issued at the time."