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Following Some of Life's Toughest Moments

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Business Income and Business Interruption Coverage During COVID-19

If you own or operate a New Mexico small business, you have likely lost customers and income due to the coronavirus pandemic and associated restrictions. Are you entitled to make an insurance claim to cover some or all of your losses?

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An Insurance Policy is an Enforceable Contract

When you pay premiums for an insurance policy, New Mexico law recognizes that you and your insurance company have formed a binding contract. If the insurance company fails to hold up its end of the bargain, you have the right to sue for breach of contract.

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Insurance Alert: Premium Refunds Due to COVID-19

New Mexico Superintendent of Insurance Russell Toal today announced that New Mexico's major auto insurers have committed to premium refunds, due to reduced driving during the COVID-19 pandemic. According to the Superintendent's press release, Allstate, GEICO, Liberty Mutual, Progressive, Safeco, USAA, Travelers and State Farm will all be giving premium discounts to their policyholders.

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Civil Justice for Victims of Crime

If you have been the victim of a crime, you have the right to seek civil justice against the person who harmed you. For example, drunk drivers who cause collisions are legally responsible for the harm resulting from their crimes.

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Uninsured Motorist/Underinsured Motorist Coverage Stacking

Have you heard of stacking? This is a legal principle that your insurance company doesn't want you to know about because it could mean more coverage in your case.

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New Mexico Statute of Limitations

What is a statute of limitations? It is a law setting a time limit for you to bring your case—or lose it forever. If your case is not filed before the deadline set by the statute of limitations, it will be deemed “time-barred.” The court may be legally obligated to dismiss the case, no matter who was at fault or how badly you were injured.

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Suing Your Own Insurance Company

If you have paid your premiums, you deserve to be treated fairly and honestly by your insurance company. Sadly, when you make a claim, the promises from the television commercials seem to evaporate. Your own company treats you like an adverse, hostile claimant, even if you did nothing wrong.

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How Long Will My Bodily Injury Case Take?

It's common to wonder how long an injury case will take to resolve. Put bluntly, you should prepare for the process to take years.

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What is Uninsured or Underinsured Motorist Coverage?

An unfortunate fact of life in New Mexico is that many drivers do not carry the legally required insurance. Because of this, the law requires automobile insurance companies to offer uninsured and underinsured motorist coverage, also called UM/UIM coverage. UM/UIM coverage exists for both bodily injuries and property damage.

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What to Do when An Insurance Adjuster Lies

Do insurance adjusters have to tell the truth? Common sense says that they do. So does the law. Sadly, some insurance adjusters will bend or even break the rules to avoid paying a claim.

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