you don't need the check or insurance with non o. Insurance is still good to have but not a requirement. You're good to go. Get bank letter and documents and apply.
David Gillette many times they deny 1st attempts and 2nd or 3rd get it. They don't make it easy or cheap. Just how it is. Don't give up hope. For my wife it took a year.
is the best agent. You don't pay her until your license is in your hand. She will meet you at license office to help with paperwork, translate instructions for your eye and reaction tests. 100% legit. Make sure you have your motorcycle endorsement on your IDP if you want motorbike license. If not, go take a course. Thailand IS NOT the place to learn on vacation.