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Driving in Mexico is much different than in the USA. Traffic laws are not the same, and the locals drive with abandon. Should you be involved in an accident, rest assured that at least initially the tourist will be held at fault over the local, regardless of the circumstances. When renting a car in Mexico, look it over carefully. Be sure it has a spare tire, jack, and license plates (which are often stolen). Anything missing at the end of the car rental will be charged to you, even if it was not there in the first place. And by all means do take the insurance, or just play it safe and stick with taxis that are plentiful and inexpensive.