yes but there are none before immigration, so on the off chance the OP is asked to show funds of 20,000 baht he cannot use the ATM, that’s what Brandon was eluding to.
As a US passport holder you can get a 30 day visa exempt stamp upon arrival in Thailand, then you can extend this once only for another 30 days at immigration for 1,900 baht.
you are correct the Non O visa based on retirement does not require insurance coverage at the present time. But unfortunately you cannot go from a Non O to a Non OA in country, you must break the link.
Australian passport holders will receive 30 days visa exempt either by land or airport entry, which can be extended once for another 30 days for 1900 baht.
Highly unlikely she will have any insurance at all or possibly a license. It will be like getting blood from a stone, unfortunately it’s probably just best to fix the bike yourself, I doesn’t seem fair, but it happens all the time.