If the timeline is correct but some of the other details may not be, I suggest this might be Spare Parts (1999) by Sally Rogers-Davidson. As you can see the cover is blue, and it is indeed published by Penguin (specifically Penguin Books Australia).
Kelty, the protagonist, doesn't suffer an accident herself but her best friend Mary does. (She is caught in an explosion at the recycling plant where they both worked, which happens before the story begins.)
‘But they can fix you up,’ [Kelty] assured her friend. ‘It’s amazing what they’re doing with bionics and plastic surgery and stuff.’
‘Yeah,’ Mary said bitterly. ‘If I was a Skywalker.’
Kelty couldn’t argue with that. How could a C-grader ever hope to pay for that kind of expensive treatment?
(Note the term "Skywalker" is used for A- and B-grade citizens who actually get to live above the perpetual smog.)
Skywalkers might occasionally donate a used human body when they move on to a newer/younger one:
Skywalkers changed their bodies like they changed their cars, and they rarely had such good reason to seek out new flesh. Turning forty was a good enough reason for most of them to discard a less-than-perfect body, but they could afford to buy a healthy young body. Of course, sometimes if the Skywalker was feeling altruistic they might donate their used body, but the lower grades could rarely afford the cost of a transplant.
Cyborg bodies are also very expensive, but an option if for some reason no suitable human body were available:
‘What about a cyborg body?’ Even as she said it, Kelty knew it was impossible. Cyborg bodies were just as expensive as healthy, young human bodies.
After the accident, Kelty sells her human body to pay for a transplant for her friend Mary, accepting a cyborg body for herself:
‘Very lucky. Unless I’m sadly mistaken, we should be able to arrange a very good deal for you, Miz Holmes. More than enough to pay for a state-of-the-art replacement body.’
Napoleone dropped his hands back down to the desk, but Kelty managed to look him in the face as she asked, ‘And Mary?’
‘You could make it a part of the deal that the client donate her used body to Mary, and I’m offering to perform her transplant at a generous discount, which should mean you’ll have enough to cover the cost of both transplants.’
There's an extensive excerpt from the book available on the author's website.