Stalter Law Blog

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...

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.

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.

If you have been the victim of a crime, you have the right to seek civil justice against the person who harmed you.

Have you heard of stacking? This is a legal principle that your insurance company doesn’t want you to know about.

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 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.

You might expect that in a case with clear liability, the insurance company will quickly offer a reasonable amount of compensation. Unfortunately, this turns out not to be the case.

Do insurance adjusters have to tell the truth? Common sense says that they do. So does the law.

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.