Having a license or insurance only matters at roadside stops. Cameras obviously can't determine if you have a license or insurance. However as a foreigner you better have both. You get caught or in an accident I can almost guarantee it will cost you a lot more.
In general here, fines are not a deterrent and there are no real consequences if you do not pay them. I know a Thai quality manager that gets a few camera tickets every month or so and he tosses them in the trash.