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The WPS Security vehicle was heading south from Wanaka about 10.30am when it ran into loose gravel on the side of the road at Queensberry, 4km north of Pisa Moorings, and overturned.
The driver of an 11-tonne truck, Jaden Kotuhi, of Queenstown, had been following the Toyota about 90kmh when he saw it suddenly "flip''.
Mr Jaden said he was expecting the worst when he approached the badly damaged vehicle but the driver crawled out and said she was all right.
Const Chris McAnally, of Cromwell, said McAnally said speed and alcohol were not factors in the crash.
The young woman had a shoulder injury and was taken to the Cromwell Medical Centre for treatment and then to Southland Hospital.