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New Mexico Car Accident Laws: Fault, Insurance, and Your Claim

Independently fact-checked against primary sources (last audited August 18, 2026). · Reviewed by the RecordingLaw editorial team. · Law checked current as of August 18, 2026. · 4 primary sources cited on this page. How we verify our legal content

New Mexico Car Accident Laws: Fault, Insurance, and Your Claim

Updates

Corrected what the Mandatory Financial Responsibility Act actually governs, restated the post-crash duty to give information under NMSA 1978 § 66-7-203 (name, address, registration number, license on request, and aid, not insurance details), and fixed the uninsured/underinsured motorist section so it reflects that 25/50/10 is the minimum rather than the cap and that the written-rejection rule comes from 13.12.3.9 NMAC.

Repaired three source citations (NMSA 66-5-301 UM/UIM rejection rule, 37-1-8 injury limitations period, 41-2-2 wrongful-death period) that pointed to a generic MVD insurance page; each now links the statute text.

Independently fact-checked against the cited primary sources; governing law re-checked for recent changes

Corrected the New Mexico statute of limitations for property-damage claims: it runs four years under NMSA 1978 section 37-1-4, not the same three-year period that applies to personal-injury claims under section 37-1-8.

Governing law re-checked for recent changes

Reviewed and approved by an editor

Sources and References

  1. Mandatory Financial Responsibility Act, NMSA 1978 §§ 66-5-201 to 66-5-239(mvd.newmexico.gov).gov
  2. NMSA 1978 § 66-5-301: UM/UIM offer-and-written-rejection requirement(law.justia.com).gov
  3. NMSA 1978 § 37-1-8: three-year statute of limitations for personal-injury actions(law.justia.com).gov
  4. NMSA 1978 § 41-2-2: wrongful-death statute of limitations(law.justia.com).gov
  5. 13.12.3.9 NMAC: rejection of uninsured motorist coverage must be endorsed, attached, stamped or otherwise made part of the policy(srca.nm.gov)
  6. NMSA 1978 § 66-7-203: duty to give name, address, and registration number, exhibit license on request, and render aid(nmonesource.com)
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