New Mexico Auto Insurance

New Mexico Auto Insurance
New Mexico Auto Insurance

Acceptance Insurance strives to provide top-notch insurance, customer service and value to all of our New Mexico policyholders. As a leader in the insurance industry, Acceptance understands that a wide range of affordable auto insurance products is key to providing and maintaining this value for all of our policyholders. We have options for every type of driver, and offer many discounts and coverage types to help you tailor a policy that fits your needs. And if you need help, just contact us and we'll be happy to help you build a policy that suits you.

Overview

State Requirements

New Mexico drivers are expected to carry minimum liability auto insurance limits in order to operate their motor vehicles legally. This liability insurance is required to provide $25,000 for bodily injury or death to one person, $50,000 for bodily injury or death of two or more persons, and a maximum of $10,000 of coverage for damage to property in the event of an accident.

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.

Comprehensive and Collision Coverage

Acceptance offers additional insurance options such as a full line of comprehensive and collision coverage offerings. With additional insurance, you can protect your vehicle from partial or total loss (repair or replacement in the event of an accident), theft and vandalism. In addition, comprehensive and collision coverage offers you varying degrees of protection in the case of collision with an uninsured or underinsured motorist.

Uninsured Motorist Coverage

While minimum liability insurance is required in New Mexico, that's not to say all drivers abide by this law. In fact, some studies show that one in four drivers in New Mexico, drive without insurance. Fortunately, Acceptance has options that protect you, should you find yourself in an accident with an uninsured or underinsured motorist.

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