Why Should I Hire a Local New Mexico Car Accident Attorney? 

Engaging a local New Mexico car accident attorney can be crucial for your case. A local lawyer doesn’t just understand New Mexico laws; they also have a deeper insight into the local community and its nuances. While any attorney can guide you on your legal rights, a community-based attorney can negotiate effectively with insurance companies that typically aim to minimize payouts. With a local advocate by your side, you are better positioned to secure the maximum compensation you deserve. 

What is the Time Limit for Filing an Automobile Accident Lawsuit in New Mexico? 

In New Mexico, you have 3 years to file a lawsuit for personal injury and 4 years for property damage stemming from an automobile accident. 

How Does New Mexico Determine Negligence in a Car Accident Case? 

New Mexico operates under the doctrine of pure comparative negligence. According to N.M. Stat. § 41-3A-1(B), claimants can recover damages from each defendant based on the percentage of fault attributed to them, irrespective of the claimant’s own degree of fault. 

Is New Mexico a Fault or No-Fault State for Car Insurance? 

New Mexico follows a fault-based system for car insurance. 

What Are the Auto Insurance Requirements in New Mexico? 

The law mandates that drivers in New Mexico must carry minimum liability insurance. These minimum coverages are $25,000 for bodily injury or death to one individual, $50,000 for bodily injury or death to multiple individuals, and $10,000 for property damage per accident. Note that uninsured/underinsured motorist coverage is not obligatory. 

What Insurance Rules Apply to Rental Cars in New Mexico? 

There is no specific case or statutory law that addresses insurance requirements for rental cars. Generally, terms of the rental agreement and the renter’s own insurance policy will dictate primary coverage. Per N.M. Stat. § 59A-32-23, if a vehicle from a licensed auto dealer is loaned without charge for demonstration or as a temporary replacement, the driver’s insurance becomes primary. 

What Are the Reporting Requirements After an Auto Accident in New Mexico? 

New Mexico law stipulates that you must immediately stop at the scene of an accident. If injuries or damage have occurred, you are required to notify law enforcement as swiftly as possible. Additionally, a written report must be filed with the state within five days following the accident. 

What Should I Do If I Hit an Unoccupied Car in New Mexico? 

If you inadvertently hit an unoccupied vehicle, you are obligated to make a reasonable effort to locate the owner and, failing that, to leave a written note detailing your contact information and a summary of the incident. 

What Are the Consequences of Not Following Accident Reporting Procedures? 

Failing to adhere to prescribed accident reporting procedures can result in misdemeanor or felony charges and may lead to the revocation of your driving license. 

Why Is Legal Representation Important in New Mexico Car Accidents? 

Legal representation is particularly vital if your accident involves severe injuries, fatalities, or driving under the influence. Having a specialized attorney can be invaluable in navigating these complex circumstances.