Over the years i have been in Samui,so many times i've seen young people manly girls on a rental bike with no control legs trying to scoot the thing along wobbling all over the place . This is tragic to happen to a lovely looking girl . The rental people do not give a toss to previous experience licence insurance . They only want the money. they should be made responsible to make sure the riders can handle a bike before renting out to them. Most insurance companies do cover motorbike accidents anyway. hope she can get the funds and get well soon. even if she was pillion you need some experience to ride, lean the wrong way on a small bike and there you have it