God transcends time so prayers could be what caused her last minute conversion. You never know until you actually take that road yourself. I prayed over bunches of KIA's every time I was around them. I asked God to send someone into their life while they were living to plant that seed. Did the same in mountain resuce when rescues turned out to be recoveries. So pray away.Prayers for her family but prayers for her are to late. She will answer for her actions now for eternity.
Yes, if she did not convert, she is not resting in peace the instant she died and is already paying with down payments and when it's all said an done, the final big lump sum comes due and no boat will sail that lake!