Here's an example of what can happen if you don't already have a motorbike licence from your home country.
Australian tourist stuck in Thai hospital after head-on collision, owing $56,000 in medical bills - ABC News (Australian Broadcasting Corporation)
Also, I'd like to know why they say there was a delay because she only had a digital copy of her insurance policy on her phone and not a hard copy. You'd think it wouldn't matter. Maybe it's because her phone was damaged in the accident.