Have you got confirmation as to who hit who? Apparently a 6,000 Baht sum was given to her, lets say, for medical expenses. If she had the Por Ror Bor insurance she'd be covered. So with her being offered 6,000 Baht I'd go for the fact she didn't have it and therefore shouldn't have been on the road. All speculation but it's what I believe and what I think. Up to you how you interpret it.