"I tried to go up for air and then I just kept floating up out of something and then I got out."
She ran to the closest property she could find, a farmhouse about 200 metres away to ask for help.
Chloe-May said they took her in, gave her clean clothes and dressed her cuts.
"They just took me in and let me change into clean clothes and cleaned up all my cuts on my feet," she said.
Father Matt Kabealo said he was "shattered", but trying to be strong for his daughter.
"We're just going to get through it the best we can," he said.
Mr Kabealo, a chef, was not in the family car when it skidded off wet roads into the flood-swollen river at Tumbulgum.
Locals and an off-duty police officer dived into the river to save the family, but they could not be reached.
A GoFundMe page set up days after the fatal crash has so far raised $156,687 of its $165,000 target.