Required Insurance Coverage in the State of New Mexico
Car accidents are a leading cause of injuries and the damages they leave behind can be immense. In order to protect ourselves, every single state requires that motorists carry a minimum amount of insurance (though that amount varies from state to state). In New Mexico, the mandatory minimum amount of insurance a motorist is required to carry is $25,000.00 in per-person, injury-related liability coverage, $50,000.00 per incident/occurrence of injury-related liability coverage and $10,000.00 in property-related liability coverage.
Car Accident Related Injuries
Injuries that stem from car accidents can vary widely, depending on the circumstances of the collision. That said, the type of injury that you or a loved one sustains largely dictates the approach an insurance company will take in evaluating your claim.
Soft Tissue Injuries
Any injuries to the “soft” areas of the body are referred to as “soft tissue injuries.” Typical examples of soft tissue injuries include:
- Whiplash, which occurs as a result of hyper-extension of the neck;
- Sprains, which can manifest as damage to a ligament due to the over-extension of a joint;
- Contusions, which are more commonly referred to as bruises and;
- Strains, which develop as a result of overuse of a muscle or tendon.
Although insurance companies regularly attempt to downplay the seriousness of soft tissue injuries resulting from car accidents, we understand that they can cause great pain and discomfort in the form of soreness, swelling, bruising, and stiffness. These types of injuries are common in vehicle accidents because of the impact of the collisions between vehicles. Depending on how severe the crash is, the force exerted during an accident can cause vehicle occupants to be bumped around or violently jolted.
Hard Tissue Injuries
Any injury involving a broken bone is commonly referred to as a “hard tissue injury.” Although Insurance companies tend to take hard tissue injuries more seriously than soft tissue injuries, they will still attempt to short-change hard tissue injury victims at every turn.
Damages You May Be Entitled To
After a car accident, you may be entitled to numerous categories of damages, including:
- Medical expenses
- Pain and suffering
- Los of enjoyment of life
- Physical impairment or disfigurement
- Emotional distress
- Lost wages or lost earning capacity and
- Punitive damages
At Dinelli Law, we have the experience to ensure that you receive compensation for every category of damage that you are entitled to recover. We fight hard to make sure each and every one of our client’s voices are heard and take an individualized approach to each client’s circumstances.