What is a car accident claim worth in New Mexico?
Every rule below is quoted from New Mexico law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in New Mexico, and the New Mexico rules that raise or lower what you collect. $18,599 was the average injury claim paid in New Mexico in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from New Mexico law on this site, each with a link.
What claims paid in New Mexico
Injury claims in New Mexico averaged $18,599 each in 2022.
Car and property damage claims averaged $5,831.
| Injury claim paid by the at fault driver's insurance | $18,599 |
|---|---|
| Car and property damage | $5,831 |
| Medical payments coverage, paid by your own policy | $3,309 |
| Collision coverage, paid by your own policy | $6,582 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in New Mexico
If you were partly at fault
New Mexico uses pure comparative negligence. You can recover money even if you were mostly at fault, but your award is reduced by your own percentage of fault.
“It is the decision of this Court that we adopt in toto the opinion authored by Judge Walters of the Court of Appeals thereby adopting comparative negligence as a recognized legal doctrine in New Mexico.”
The other driver's policy limit is the ceiling
New Mexico drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury, and $10,000 for property damage.
“$25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more persons, and $10,000 for property damage in any one accident”
If the other driver has no insurance
Uninsured motorist coverage is required on every New Mexico auto liability policy, at least up to the state's minimum liability limits, though the insured can reject it.
“No motor vehicle or automobile liability policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person and for injury to or destruction of property of others arising out of the ownership, maintenance or use of a motor vehicle shall be delivered or issued for delivery in New Mexico”
The deadline that ends the claim
You have 3 years from the crash to file a lawsuit for your injuries.
“for an injury to the person or reputation of any person, within three years”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.