Why are the insurance laws different South of the Border?
In general, the law in Mexico is based on Napoleonic Code where guilt is assumed over innocence. The law in the U.S. is based on English Common Law where innocence prevails over the assumption of guilt. Therefore, if you are involved in an accident in Mexico, you must have cash or an auto policy to respond to the damages or injuries that authorities deem were caused by you. If you don’t have either, your vehicle could be permanently confiscated or you may spend many hours or days in jail until your financial obligations are met.
