Did she actually suffered any injury?
You say that they have offered to give a credit note for an unspecified amount, do you have any idea how much approximately
The owner of the shop is in breach of the provisions of the Occupiers Liability Act 1984 for failing to keep a lawful visitor safe from harm. It is a statutory duty.
As a result of the breach, your wife suffered loss.
She is certainly entitled to the cost of the coat.
If she was not injured, then there is no claim for nearly being injured unless she has suffered a recognised psychiatric injury as a result of this, such as Post Traumatic Stress Disorder. That would however need to be diagnosed by a psychiatrist.
Without the psychiatric diagnosis, there is no claim which it is worth going to court over in respect of the injury if they would not pay up willingly.
They have offered to pay for the coat and it’s probably worth a few hundred pounds to them for this to go away if it did go to court, certainly with regard to the personal injuries, it is unlikely that it would produce a favourable result for your wife.
Can I clarify anything for you?
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