I see now. So, there are two ways to read this: Either she lost the fingertip to where the fingernail stops. Or she lost just the fingernail. Two very different stories.
If she lost the fingertip, then the article should’ve read “at the first knuckle,” to be more clear.
If a chunk of skin below the nail was cut off, then the mother and the journalist are overreacting. If anything more than that was severed, then they are under reacting. Which do you think is more likely?
Or "at the proximal interphalangeal (PIP) Joint" to be even more clear.
The things you learn in about two years of physical therapy.
;)