What happens if an accident occurs in Mexico without the proper insurance?

When an accident occurs in Mexico without the proper insurance, it may indeed be considered a criminal offense. In Mexico, it is legally required for drivers to carry liability insurance that is valid within the country. Failing to comply can lead to serious legal repercussions, such as arrest or detention at the scene of the accident until insurance is verified or resolved. This underscores the importance of understanding and adhering to local laws regarding insurance when driving in foreign countries, as consequences extend beyond civil liabilities to serious criminal implications.

The other options do not accurately reflect the legal reality in Mexico regarding auto insurance. Civil penalties alone do not encompass the full range of potential consequences, and insurance claims processed in the U.S. are not applicable in this context since local laws are enforced regardless of where the driver is from. Lastly, there are indeed penalties for not having the required insurance, contradicting the notion that there are no penalties.