I'm not familiar with Accr-Tec firearms, so can't help you there. There are an abundance of affordable .380s on the market that would serve her needs. Kel Tec, Ruger, and Bersa come to mind. They are all .380s in the $200 range new. The Ruger perhaps a little more. Either of them would be a better option than maybe never seeing your 232 again. Lots of used 9mm pistols available as well at bargain prices. The larger size wouldn't be an issue for a house/car gun, and the caliber is a bit more effective.
Savage