Almost died in the report,did she have a bike driving license and international license.Insurance u must check what is covered motor and size.I think the size is a 125 engine,above that i don,t know.If insurance don,t pay then it must be no license or the engine size is above 125,but scooter is classed as a 150 or 160 these days.Take out insurance check the fine details otherwise no cover.Also how did she fall