When you’re involved in a car accident, one of the first steps after ensuring everyone’s safety is dealing with insurance companies. In New Mexico, as a fault-based state, determining responsibility and negotiating with adjusters can be challenging. Understanding your rights and knowing what to expect is crucial. As experienced accident and injury attorneys in Rio Rancho, New Mexico, Sanchez & Piñon are here to guide you.
Notify Your Insurance Company Promptly
After an accident, you’re required to report the incident to your insurance company, even if the accident wasn’t your fault. Delaying this step can lead to complications, including denied claims.
When speaking to your insurer:
- Stick to the facts without admitting fault.
- Provide basic details such as the date, time, location, and names of the parties involved. Avoid providing any statements that could be used against you later.
Understand New Mexico’s Fault Laws
New Mexico operates under a comparative negligence system, meaning that fault is assigned to all parties involved in the accident based on their percentage of responsibility. Even if you were partially at fault, you can still recover damages. However, your compensation will be reduced by your percentage of fault.
For example, if you are 20% at fault for the accident and awarded $10,000 in damages, you’ll receive $8,000 after the deduction.
Be Cautious With the Other Driver’s Insurance Company
The at-fault driver’s insurance company will likely contact you, often within days of the accident. While they may seem friendly, their goal is to minimize the payout.
Here are some key tips:
- Don’t give recorded statements. Anything you say can be used against you.
- Avoid accepting a quick settlement. The first offer is often much lower than what you’re entitled to receive.
- Consult an attorney before signing anything. Insurance companies may pressure you into signing documents that limit your ability to recover full compensation.
Document Everything
Strong documentation is your best defense. Gather photos of the accident scene, vehicle damage, and injuries, along with police reports, medical records, and witness statements. Detailed evidence strengthens your claim and protects you from attempts to downplay your damages.
Know the Common Tactics Insurance Companies Use
Insurance adjusters are trained to save their company money, and they may use various tactics to achieve that goal, such as:
- Disputing liability or downplaying your injuries.
- Pressuring you to accept a low settlement quickly.
- Delaying the claims process in hopes that you’ll settle out of frustration.
If you encounter any of these tactics, it’s time to involve an experienced personal injury attorney to level the playing field.
Hire an Attorney to Protect Your Rights
Having legal representation can make a significant difference when dealing with insurance companies. An experienced personal injury attorney can handle all communication with the insurance companies, ensure you receive fair compensation for medical expenses, lost wages, pain and suffering, and property damage, and navigate the complexities of New Mexico’s comparative negligence laws. At Sanchez & Piñon, we advocate tirelessly for accident victims in Rio Rancho and beyond. We understand the insurance industry’s strategies and know how to fight for your rights effectively.
Don’t Wait Too Long to Act
In New Mexico, the statute of limitations for filing a personal injury lawsuit is three years from the date of the accident. While this may seem like plenty of time, evidence can disappear, and witnesses may forget important details. Acting promptly ensures your attorney has the best opportunity to build a strong case.
Contact Sanchez & Piñon Today!
Dealing with insurance companies after a car accident in New Mexico can feel overwhelming, especially when you’re trying to recover from injuries. However, you don’t have to face this process alone. Sanchez & Piñon are here to help Rio Rancho drivers navigate these challenges, ensuring that you receive the compensation you deserve.
If you’ve been injured in an accident, contact Sanchez & Piñon today! We’ll review your case, answer your questions, and fight for your rights every step of the way. You heal. We fight.