Every state decides if it’s going to be an “at-fault” state or a “no-fault” state. New Mexico is an at-fault state, and that impacts how your car accident case will run. It will mean proving who is at fault and it may affect what kinds of insurance you have access to. You may need a car accident lawyer to help you figure out the optimal way forward. The Albuquerque car accident lawyers at Roadrunner Law Firm are ready to help you. Here’s what you need to know about how New Mexico’s At-Fault rules can affect your car crash claim and legal case:

New Mexico is an At-Fault State. What Does That Mean?

There are two basic systems of insurance compensation: No-Fault and At-Fault. “No-Fault” means that both drivers’ insurance companies cover the expenses of their own insured, no matter who was to blame. “At-fault” means that the person who is most at-fault for the accident is responsible for the damages they caused. In other words, if they are found to be 50% responsible for the accident, they are on the hook for 50% of the total damages. Of course, this is usually when insurance steps in and covers those expenses.

What Your Insurance Does in an At-Fault Car Crash in Albuquerque

In New Mexico, the bare minimum insurance coverage each driver must carry is:

  • 25,000 per person for bodily injury
  • 50,000 per accident for bodily injury
  • 10,000 per accident for property damage

This coverage comes into play to cover the various damages people experience in a car accident. If you were hit by somebody and they were 100% at-fault, their insurance should pay all of your medical expenses up to 25,000 if they had the bare minimum coverage. If they were 50% at-fault, they should pay at least 12,500 dollars.

That doesn’t sound like great protection for you – and it’s not! This is why many drivers have “Personal Injury Protection” (PIP) or “Medical Payments” (MEDPAY) coverage. We encourage everybody to get as much PIP/MEDPAY coverage as they can because this type of insurance is actually “No-Fault” coverage! That means it doesn’t matter who was at fault or how much they were at fault–PIP/MEDPAY will cover it!

Imagine you have 10,000 of MEDPAY coverage and you get in a crash where you are 50% at fault. You still have access to that full 10,000 to cover reasonable medical expenses incurred because of a car accident.

You will notice that the only REQUIRED coverage doesn’t actually protect you – it protects other drivers. And even if other people have great insurance, what if they claim they aren’t at fault in the accident that injured you?

Proving Fault in an Albuquerque Car Crash

In order to force the insurance company to pay for your injuries you have to be able to prove that the other party really was at fault. This is where your car accident lawyer comes into play because they can help you prove fault by showing the negligence of the other driver. Negligence is demonstrated through actions like:

  • Drunk driving
  • Distracted driving
  • Speeding
  • Failing to obey traffic laws
  • Following too closely
  • Ignoring signs and warnings

Our team proves their negligence through tools such as:

  • Accident reports
  • Scene reconstruction experts
  • Medical experts
  • Engineers & safety experts
  • Witness statements
  • Photos and videos of the scene and accident
  • Traffic camera footage
  • GPS data
  • Phone data

Types of Car Accident Compensation

You can recover money for your damages in more ways than just the damage to your car and the hospital bill. We take everything under consideration to convince the insurance company to make you “whole.” That means we’re looking at things like:

  • Current medical expenses
  • Hospital bills
  • Future medical expenses
  • Property damage
  • Pain and suffering
  • Lost wages
  • Reduced earning ability
  • Spine and joint damage & future treatments
  • Pain management expenses

What if the Police Say I’m At Fault?

If you were hurt in a car accident and they are saying it’s your fault, be sure to call us first. Police and witnesses often get things wrong and you may need an expert to show how the other driver was actually at fault.

Even if you were 99% at fault for an accident, you are still entitled to fair recovery for your damages. We can help.