Seems you do not know much about Thailand ;), she saw a 35 million baht car, its now time to suck as much money as possible.
With compulsory insurance, you pay, they reimburse, unless hospital has a direct billing with insurance company.
What she did not account for is because its 35 million baht car, very likely owner also has enough money for the lawyers and police and if they start to dig, they may end up finding out there were less eggs or it can also turn out to be her fault, many unforeseen scenarios can develop when someone has access to this kind of money