Car Accident Claims in New Mexico
Minimum car insurance in New Mexico, whether the state is no-fault, how fault is shared, and the deadline to sue after a crash.
Short answer: The driver in a crash causing bodily injury or death, or apparent property damage of $500 or more, must immediately, by the quickest means available, notify the police department if the crash is inside a city or town, or otherwise the county sheriff or the nearest New Mexico State Police… N.M. Stat. Ann. §§ 66-7-206, 66-7-208
| Reporting a crash to police | The driver in a crash causing bodily injury or death, or apparent property damage of $500 or more, must immediately, by the quickest means available, notify the police department if the crash is inside a city or town, or otherwise the county sheriff or the nearest New Mexico State Police office. If the driver cannot, a capable passenger must give the notice. For a driverless autonomous vehicle, the owner (or someone acting for the owner) must give the notice. Read on NMOneSource, the official New Mexico Compilation Commission site (Chapter 66, Article 7, Part 3). |
|---|---|
| Crash report to the DMV | The driver in a crash causing bodily injury or death, or total apparent property damage of $500 or more, must send a written report of the crash to the New Mexico Department of Transportation within five days. The department may require supplemental reports and reports from witnesses. Officers who investigate such crashes also send their reports to the Department of Transportation within 24 hours after finishing the investigation. The statute as read does not state an exception for crashes investigated by police; drivers should confirm current filing practice with the department. Source: N.M. Stat. Ann. § 66-7-207 |
| Leaving the scene (hit and run) | A driver in a crash causing injury, death or damage to an attended vehicle must stop at or as close to the scene as possible and stay until they have given their name, address and vehicle registration number, shown their license if asked, and given reasonable help to anyone injured (including arranging transport for treatment). Failing to do so when the crash causes great bodily harm or death is a fourth-degree felony, or a third-degree felony if done knowingly; when there is no great bodily harm or death, it is a misdemeanor. The license is revoked on conviction for an injury or death crash. Leaving a crash that damaged only an attended vehicle is a misdemeanor. For an unattended vehicle, the driver must find the owner or leave a written note. |
| Minimum car insurance | No owner may allow, and no person may drive, an uninsured vehicle on New Mexico streets or highways. Required evidence of financial responsibility is at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage (or a $60,000 bond or cash deposit). Mandatory insurance: https://nmonesource.com/nmos/nmsa-unanno/en/item/18569/index.do Re-verified 2026-10-27. Source: NMSA 1978, §§ 66-5-205, 66-5-208 |
| Fault rule (comparative negligence) | New Mexico uses comparative fault. By statute, in cases where comparative fault applies, liability is generally several: each defendant pays only the share of damages equal to its percentage of the total fault attributed to all persons, including plaintiffs and non-parties, with joint and several liability kept for intentional wrongdoers, vicarious liability, strict product liability and certain other situations. Re-verified 2026-10-27. Source: NMSA 1978, § 41-3A-1 |
| Deadline to sue for an injury | Three years for an action for an injury to the person. Re-verified 2026-10-27. Source: NMSA 1978, § 37-1-8 |
| Deadline to sue for property damage | Four years for actions for injuries to property or conversion of personal property. Re-verified 2026-10-27. Source: NMSA 1978, § 37-1-4 |
More New Mexico personal injury & wrongful death
- Deadlines to File an Injury Lawsuit in New Mexico
- Wrongful Death Lawsuits in New Mexico
- Medical Malpractice Rules in New Mexico
- Dog Bite Liability in New Mexico
- Slip, Trip and Fall Injuries in New Mexico
- Sidewalk and Public Property Falls in New Mexico
- Motorcycle Accident Claims in New Mexico
- Pedestrian Accident Claims in New Mexico
- Bicycle Accident Claims in New Mexico
- Uber and Lyft Accident Claims in New Mexico
- Truck Accident Claims in New Mexico
- Construction Site Injuries in New Mexico
- All New Mexico personal injury & wrongful death rules
FAQ
When do you have to report a car accident to the police in New Mexico?
The driver in a crash causing bodily injury or death, or apparent property damage of $500 or more, must immediately, by the quickest means available, notify the police department if the crash is inside a city or town, or otherwise the county sheriff or the nearest New Mexico State Police office. If the driver cannot, a capable passenger must give the notice. For a driverless autonomous vehicle, the owner (or someone acting for the owner) must give the notice.
Do you have to report a car accident to the DMV in New Mexico?
The driver in a crash causing bodily injury or death, or total apparent property damage of $500 or more, must send a written report of the crash to the New Mexico Department of Transportation within five days. The department may require supplemental reports and reports from witnesses. Officers who investigate such crashes also send their reports to the Department of Transportation within 24 hours after finishing the investigation.
What are your duties after a car accident in New Mexico?
A driver in a crash causing injury, death or damage to an attended vehicle must stop at or as close to the scene as possible and stay until they have given their name, address and vehicle registration number, shown their license if asked, and given reasonable help to anyone injured (including arranging transport for treatment). Failing to do so when the crash causes great bodily harm or death is a fourth-degree felony, or a third-degree felony if done knowingly; when there is no great bodily harm or death, it is a misdemeanor. The license is revoked on conviction for an injury or death crash. Leaving a crash that damaged only an attended vehicle is a misdemeanor. For an unattended vehicle, the driver must find the owner or leave a written note.
What is the minimum car insurance required in New Mexico?
No owner may allow, and no person may drive, an uninsured vehicle on New Mexico streets or highways. Required evidence of financial responsibility is at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage (or a $60,000 bond or cash deposit).
Can you recover damages if you were partly at fault in New Mexico?
New Mexico uses comparative fault. By statute, in cases where comparative fault applies, liability is generally several: each defendant pays only the share of damages equal to its percentage of the total fault attributed to all persons, including plaintiffs and non-parties, with joint and several liability kept for intentional wrongdoers, vicarious liability, strict product liability and certain other situations.
What is the statute of limitations for personal injury in New Mexico?
Three years for an action for an injury to the person.
How long do you have to sue for property damage in New Mexico?
Four years for actions for injuries to property or conversion of personal property.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.