What a shame. Two Canadians died of drowning in Mexico less than 2 weeks ago. Things happen - and you are so right - insurance, insurance, insurance. The most important thing you can buy for your vacation.
It is difficult to remember to look properly when crossing the road. I'm English and go back and forth so I found early on "look both ways" is absolutley necessary. I do it no matter what country I'm in. It takes but a split second to swing your head in both directions and perhaps, save your life.