Uninsured Motorist

New Mexico has one of the highest rates of uninsured drivers in the nation. If you are hit by a driver who lacks insurance, or a driver whose policy isn’t enough to cover your medical bills, the situation can quickly become a financial nightmare. At Korte Law Firm, we specialize in helping victims tap into their own insurance benefits to ensure they aren’t left paying for someone else’s negligence.

Understanding UM/UIM Claims in New Mexico

In New Mexico, insurance companies are required by law to offer Uninsured and Underinsured Motorist coverage. We help you navigate these specific claim types:

• Uninsured Motorist (UM): Coverage that kicks in if you are hit by a driver with no insurance at all, or if you are the victim of a hit-and-run.

• Underinsured Motorist (UIM): Coverage used when the at-fault driver has insurance, but their policy limits are too low to cover the full extent of your injuries or property damage.

• Stacking Coverage: We help you determine if you can “stack” coverage from multiple vehicles on your policy to increase the total amount available for your recovery.

• Pedestrian & Cyclist Protection: Many people don’t realize that their own UM/UIM policy can cover them even if they were walking or biking when struck by an uninsured driver.

Service Locations

We advocate for drivers and families throughout New Mexico, providing expert legal counsel in:

• Santa Fe, Albuquerque, and Rio Rancho.

• Española, Taos, and Las Vegas.

• Los Alamos, Chimayó, and the surrounding regions.

Why Choose Korte Law Firm?

• Insurance Contract Expertise: We analyze the “fine print” of your policy to find every available dollar for your claim.

• Aggressive Advocacy: Even though it is your own insurance company, they may still try to minimize your payout. We provide the “fierce advocacy” needed to treat your UM/UIM claim with the same seriousness as a third-party lawsuit.

• No Out-of-Pocket Costs: Like all our personal injury cases, we work on a contingency fee basis. You only pay us if we successfully recover money for you.

• Free Policy Review: Bring your insurance declaration page to your Free Consultation, and we will explain exactly what coverage you have and how it applies to your accident.

Compensation We Secure for You

We work to ensure your UM/UIM coverage pays for:

1. Full Medical Treatment: Hospitalization, surgeries, and future medical needs.

2. Property Damage: Repairs to your vehicle or replacement of personal property (often subject to a small $250 deductible in NM).

3. Lost Income: Wages you lost because you couldn’t work while recovering.

4. Pain and Suffering: Compensation for the physical and emotional distress caused by the accident.