If you are pulled over, for any reason, and feel it is an un-just stop. Simply tell them you have no money on you and request to go to the police station and handle the business.
When I had my accident in Cozumel the Federales (black uniforms) were not involved, but of course the other 2 divisions of the local police were. the traffic division (brown?) and the tourist police (blue) someone correct me if I’ve got them backwards. All were very courteous and professional.
I also met the Cheif of Police, a former military officer, who was also very courteous and after seeing that we had been there ALL DAY getting the paperwork worked out, jumped some butt and got us out of there and back to enjoying our vacation.
I was told that the traffic police as rule may not speak English, but the tourist police do, and that the tourist police’s job is to be a liaison for you between the other divisions. This was told to me by the American Consulate, when I called her for advice in my situation.
Remember also that she, or he if there is a new one, is also there to help American citizens if you have an issue while abroad.