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Following Some of Life's Toughest Moments

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Hit by An Uninsured Motorist While Driving for A Delivery App

I recently had the opportunity to represent a young man who earned extra income while making deliveries for an app. While on his way to pick up a delivery, he was hit by an uninsured motorist who ran a stop sign. My client's car was totaled.

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Unfair Claims Practices in New Mexico

Article 16 of the New Mexico Insurance Code prohibits insurance companies and adjusters from engaging in a variety of abusive practices. Also known as the Trade Practices and Frauds Act or the Unfair Claims Practices Act, the Act was designed to protect policyholders who make legitimate claims for insurance benefits.

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Insurance Company Lies after Policyholder's Car Is Totaled by Meth Residue

I recently represented a young woman whose car was stolen in Albuquerque. When the police found the vehicle six days later, it was trashed--strewn with drug paraphernalia and contaminated with methamphetamine residue. It wasn't safe to drive and was deemed a total loss due to the cost to remediate the dangerous contamination.

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Third Party Administrator Pays for Wrongful Cancellation of Coverage

I recently represented a New Mexico retiree whose health insurance coverage was cancelled by an out-of-state administrator. The client had paid for all his premiums, but the company increased the premiums without notice. The client spent months trying to resolve the issue on his own, but the company wouldn't take responsibility.

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The Insurance Company Made a Low Offer

Unfortunately, many insurance companies approach claims with one goal in mind: pay as little as possible. They make a low offer of settlement and pressure the claimant to accept it. This low offer could be based on incomplete information or made before the claimant completes treatment.

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The Pizza Exclusion

Have you heard of the “pizza” exclusion? If you make any deliveries in exchange for payment, you need to know about this exclusion. In general, where this exclusion applies, it allows your insurance company to deny coverage if at the time of a collision you were engaged in the delivery of any goods.

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Required Vehicle Coverages in New Mexico

New Mexico law requires all registered vehicles to have insurance coverage. But what does this mean? Generally, it means vehicle owners must purchase liability coverage. Insurance companies are required to offer uninsured motorist and underinsured motorist coverage, also known as UM/UIM. You are not required to purchase UM/UIM but doing so is a good decision for most drivers.

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Auto Premium Reductions Do Not Reflect Decline in Claims

I previously posted about premium reductions and refunds offered by automobile insurers due to reduced driving. Most people with whom I've spoken have told me that they are getting reductions of 25%.

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The Two Types of Insurance Attorneys

There are two main types of lawyers who deal with insurance law: those who fight for and protect insurance companies and those who fight for and protect policyholders. In general, there is not much overlap between these types of lawyers because they have such different worldviews.

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Claims Journal: President Trump Tells Insurers to Pay Unless There Is a Pandemic Exclusion

Claims Journal reports that "President Donald Trump on Friday staked out his position in a legal battle over business-interruption claims: Unless the policy excludes pandemics, insurers should pay."

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