The problem is when you buy insurance you probably do not think about if you are covered if you ever find yourself on a scooter.
To be fair since she was pillion she probably was not using the bike every day
Feel sorry for her and we all take risks now and then.
I went to Koh Tao last year and that was a risk,
Not just riding the scooters around the island as that was probably the safest part of visiting the island.