New Mexico
Your AI Accident Assistant for New Mexico.
We handle New Mexico property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How New Mexico treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 4 years
- Small claims cap
- $10,000
- Fault rule
- Pure comparative fault
- First-party PA license
- Not required for consumer DIY
Owner can choose.
NMSA § 59A-13-1 et seq. (PA licensing; NAIC Public Adjusters Model Act 'real or personal property' scope language). Personal auto functionally excluded from PA scope in regulatory practice (11-state NAIC property-only cluster). NMAC Title 13 implements.
Dive deeper into New Mexico
What Claimoe does for New Mexico claims
- · Drafts every adjuster email for your approval, with New Mexico-specific language and citations.
- · Calculates your diminished value using the 17c framework.
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · New Mexico rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.