Albuquerque Attorneys Representing Victims of Underinsured and Uninsured Car Crashes
Many New Mexico motorists get behind the wheel with minimal or no insurance coverage. If an uninsured or underinsured driver strikes another vehicle, a victim is often left to deal with his or her own insurance company to obtain the appropriate level of compensation for any injuries. The car crash lawyers at Parnall Law Firm, LLC are prepared to help you protect your rights if you were hurt in a collision near Albuquerque. We can help you seek compensation from your own insurance company if you have been struck by a motorist with little or no insurance.
Uninsured and Underinsured Motorists in New Mexico
New Mexico motorists must carry a minimum amount of insurance coverage for bodily injury and property damage in an accident. These minimum amounts are:
- $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.
Many serious car crash victims, however, incur costs that exceed these minimums, and some drivers have no insurance at all. According to 2012 data from the Insurance Research Council, New Mexico ranks fourth among states with the highest percentage of uninsured motorists.
To protect people from injuries and damages by uninsured or underinsured drivers, the state requires that insurance companies give people the option of obtaining uninsured/underinsured motorist coverage. This coverage would cover the cost of any injuries or property damage that result from an accident with this type of driver. Motorists can waive the coverage, but they can only do so in writing. This means that someone may have uninsured/underinsured motorist coverage, but they may not necessarily be aware of it.
File a Negligence Lawsuit to Pursue Damages
You can initiate a personal injury claim against the motorist who struck you and possibly obtain compensation for your harm if the defendant has sufficient assets. If the driver does not have enough resources to cover your injuries, your uninsured/underinsured motorist coverage may cover the cost of any physical injuries or property damage related to the accident. Your first task, however, is to establish the defendant’s liability.
A motorist may be held liable for injuries that result in an accident if he or she failed to use reasonable care and caused harm as a result. New Mexico residents are required to drive with care to avoid posing foreseeable hazards to other motorists and pedestrians. A person breaches this duty when his or her actions put others at risk of injury, such as by failing to yield or driving while distracted. If the motorist’s conduct causes the victim’s harm, the defendant can potentially be held liable for any damages that resulted.
If the motorist is uninsured, underinsured, or lacks sufficient assets to cover the cost of your injuries, however, you can seek compensation through your uninsured/underinsured motorist coverage. Our attorneys can take on the challenge of pursuing reimbursement from your insurance provider.
Car accident victims often have significant physical injuries as well as damage to property. You may obtain compensation for losses you incurred in a collision. Your recoverable damages could include past and future medical bills, lost earnings, permanent injury, pain and suffering, property damage, and more. New Mexico requires that you file a claim within three years from the date the accident occurs. If you do not file in time, you may forfeit your right to compensation.
Discuss Your Auto Accident Case With An Albuquerque Lawyer
The experienced auto accident attorneys at Parnall Law Firm, LLC are prepared to help you seek compensation for your harm. If you were involved in a crash with an uninsured or under-insured motorist, our Albuquerque lawyers can provide the knowledgeable, steadfast representation you need to assert the right to damages. We can review your insurance policy and discuss your possible avenues of compensation, including uninsured/under-insured motorist coverage. Call our office today at 505-268-6500 to schedule an initial consultation at no cost. You can also reach us through our online form.