Basic Liability Coverage
As stated above in State Requirements, basic liability coverage meets the minimums expected for drivers in New Mexico. If you are involved in an accident where you are at fault, your basic liability will only cover medical bills or property damage for the other driver(s) up to the amount of coverage specified on your plan. This doesn’t always cover all costs of damage to the other car, especially if the damages are extensive.
It’s important to note that this coverage is the bare minimum required and does not cover your personal hospital bills or damage (or complete loss) of property in the event of an accident, theft, natural disaster or vandalism.