Uninsured & Underinsured Accident Coverage in Albuquerque

What is Uninsured and Underinsured Accident Coverage?

Uninsured and underinsured accident coverage is required in the State of New Mexico as well as many other states. Uninsured or underinsured motorist protection applies if the at-fault driver has no liability insurance following an accident. Uninsured motorist protection applies if the driver who caused the accident does not have enough liability insurance to cover all of the damages that were created as a result of the accident. Uninsured and underinsured bodily injury coverage will provide payment for medical bills and prescriptions, lost wages due to time missed from work, future medical bills, pain and suffering, and mental anguish up to the uninsured or underinsured bodily injury policy limits.

Uninsured Motorists in Albuquerque

Motorists in New Mexico must carry a minimum amount of insurance coverage for bodily injury and property damage in an accident. Although these terms can vary from state to state, in New Mexico the amounts are firm and enforceable. Those minimum insurance amount coverages are as follows:

  • $25,000 per person for bodily injury or death;
  • $50,000 per accident for bodily injury or death; and
  • $10,000 per accident for property damage.

To protect people from injuries and damages by uninsured or underinsured motorists, the state of New Mexico requires that insurance companies give people the option of obtaining uninsured motorist coverage if they so wish. This coverage would cover the cost of any injuries or property damage that result from an accident with this type of driver. New Mexico motorists can waive the coverage if they wish, but they can only do so in writing. This means that someone may have uninsured and underinsured motorist coverage without even knowing it.

New Mexico Has a High Rate of Uninsured and Underinsured Motorists

Believe it or not, a recent study by the Insurance Research Council found that New Mexico has the 4th highest rate of uninsured or underinsured motorists. In fact, 21.6% of all drivers in New Mexico do not have any liability insurance even though it is required by the law. In many car Albuquerque car accident cases, the other driver will often have little or no insurance coverage. Uninsured or underinsured motorist coverage is not required in New Mexico in order to legally drive, but a personal injury lawyer will always tell you that it’s a smart policy to add in order to protect yourself. Uninsured and underinsured motorist coverage protects you and any of your passengers if the negligent driver has no insurance following an accident, or if you’re injured in a hit and run accident. However, it’s important to remember uninsured or underinsured coverage will not apply to any vehicle damage unless you have uninsured or underinsured property damage coverage on your policy.

Discuss Your Uninsured Motorist Case With An Albuquerque Car Accident Lawyer

Our experienced New Mexico personal injury lawyer at Garcia Legal is prepared to help you fight for the compensation you deserve after a car accident. If you or a loved one have been involved in a car crash with an uninsured or underinsured motorist, our legal team can provide you with the representation you need to recover any damages done to you. Call Jonathan Garcia today for a free consultation and to discuss your case in more detail.



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When you get into an accident, you need a New Mexico personal injury lawyer you can trust to see you through to the other side. Insurance companies, claims adjusters, and bill collectors will overwhelm you with phone calls in the aftermath of an accident – all while you’re trying to deal with personal injuries and emotional damage. Hiring a personal injury lawyer in Los Lunas New Mexico can help you successfully resolve your case and get the compensation you need and deserve. If you or a loved one have been hurt or injured by someone else’s negligence, call Garcia Legal today.