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Following Some of Life's Toughest Moments

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First-Party Claims Compared to Third-Party Claims

What is the difference between a first-party insurance claim and a third-party insurance claim? As a general matter, in a first-party claim, you are the policyholder and you are making a claim on your own policy. In a third-party claim, you were harmed by the policyholder and you are making a claim against their policy.

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Misleading Insurance Sales Practices

New Mexico law generally prohibits insurance agents from making misrepresentations in their sales pitches. While many agents take this responsibility seriously, some do not. Unfortunately, you may not know that a sales presentation was misleading until you make a claim and find out that you do not have the coverage you thought you had.

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Toxic Combination: Car-Stealing Drug Addicts and Unfair Insurance Tactics

According to the Albuquerque Journal, Albuquerque has the highest rate of auto thefts of any city in the United States. Worse, most of those cars that are recovered are contaminated with the fumes and residue of dangerous controlled substances such as methamphetamine. The remediation to make these cars safe again is expensive, meaning the contamination can result in a total loss.

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Crucial Evidence in a Car Crash Case

Most of us know that it's important to remain on scene and contact the police following a motor vehicle accident. But did you know that failing to do so could be a crime? New Mexico law requires that in any accident involving property damage appearing to be over $500 or any bodily injury, the involved drivers must give notice to law enforcement immediately.

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Insurance Bad Faith Statute of Limitations

If you are considering a case against an insurance company, it's important to understand the statute of limitations. The statute of limitations is a law setting a deadline by which you must file suit—or lose your case forever.

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What Is the Difference Between Primary and Excess Coverage?

You may have heard the term “excess” used in reference to a policy or coverage. If you have made a claim, an adjuster may have told you that a certain policy or coverage was “excess only” and denied the claim on that basis. What is exactly is an “excess” policy?

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When Your Own Insurance Company Refuses to Pay Your Claim

People generally buy insurance for one reason: to protect themselves and their families. What do you do when you make a legitimate claim but the insurance company delays or denies payment? Many who find themselves in this situation feel helpless. They expected the insurance company to protect them, but instead, they need protection from the company.

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The Difference Between Collision Coverage and Uninsured Motorist Coverage

Collision coverage typically covers property damage to your vehicle that occurs in a collision, regardless of who is at fault. This means that you may be able to make a claim even if you are responsible for the accident, such as in a single-vehicle accident. Your collision coverage deductible may be $250, $500, or even a higher amount. Punitive damages are generally not covered by collision coverage.

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The Dangers of Rejecting Uninsured Motorist Coverage

New Mexico law requires vehicles to carry liability coverage. But liability coverage only covers injuries that you cause to others--it does not cover injuries that you yourself suffer in an accident.

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Automobile Insurance Policy Reformation

Have you heard of policy reformation? This is a powerful legal concept that can come into play when an insurance company or agent misled a customer.

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