What do you do when you make a legitimate claim but the insurance company delays or denies payment?
There are important differences between collision coverage and UM/UIM coverage.
What happens if you get hit by uninsured motorist?
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. After he hired me, we made a claim for benefits unde...
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 fo...
When the police found the vehicle six days after it was stolen, it was trashed--strewn with drug paraphernalia and contaminated with methamphetamine residue.
I recently represented a New Mexico retiree whose health insurance coverage was cancelled by an out-of-state administrator.
This is another example of why one should never take statements by insurance companies at face value.
Trump appears to be taking the position that a "virus" exclusion that does not mention "pandemics" is not a reason to deny coverage.
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? The answer will depend on the terms of any coverages on you...
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.
Have you heard of stacking? This is a legal principle that your insurance company doesn’t want you to know about.
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.
Insurance bad faith is a general term that refers to a variety of violations committed by insurance companies. As a policyholder, you have certain rights when it comes to first-party coverage. Many of these are contained in the New Mexico insurance code. Others come from case law or are promulgated by the New Mexico Superintendent of Insurance.