Vida why write anything if you are not going to share in the end !

Personal Liability insurance is included in rental contracts in Mexico. However the liability limits are low. If you want a decent Liability coverage you will need to add SLE (TPL for Thrifty) at a daily cost of around 18 to 27 US $.

I have been driving in Mexico for years, in the Yucatan peninsula all around the coast and inland, and also in Mexico DF and around to Tlaxcala, Queretaro, Estado de Mexico. Never had a problem. So my advice is :
- If you don't speak the language be safe and don't drive at night alone. Daytime make sure you know about the neighborhoods you will drive to.
- If you speak Spanish make sure you know about the neighborhoods you will drive to.
The vast majority of Mexican people are good people. Be as careful as you would be in New York for example with the extra attention because you are a foreigner.