If you are in a accident you will go to the police station. In our case the insurance agent was there within 10 min of us getting there and the other car agent was there in short order too. We both had only liability Ins. Since we both had Mexico Ins, we had proof that we had the means to pay for the accident so no jail time ( that is why you need Mexico Ins.). also the Police Captain kinda acted as a judge and got us to agree to who was responsible for what and had a contract type up and we had to sign it. Then we were free to leave. So if you can not prove that you can pay for the damage, you do go to jail.