Clovis Uninsured Motorist Claim Lawyer

Clovis sits on the eastern New Mexico plains near the Texas border, anchored by agriculture, the BNSF railroad, and Cannon Air Force Base. Curry County’s civil cases file in the 9th Judicial District Court. El Gringo Law handles uninsured and underinsured motorist (UM/UIM) claims for Clovis residents and visitors injured anywhere in Curry County or across New Mexico. Roughly 1 in 5 New Mexico drivers carries no auto insurance, per the Insurance Research Council — and many who do carry coverage hold only the state minimum 25/50/10 limits, which often won’t cover a serious crash. When the at-fault driver can’t pay, your own UM/UIM coverage becomes the source of recovery.

The Uninsured Driver Landscape in Clovis

Clovis sits on the Texas-New Mexico border, with a high volume of cross-border commuters and Texas-registered vehicles on US-60 and US-70. UM/UIM claims here often involve out-of-state insurers and require coordinating Texas and New Mexico coverage rules.

If you’ve been hit by an uninsured or underinsured driver in Clovis, treatment usually begins at Plains Regional Medical Center. Once you’re stabilized, the UM/UIM claim against your own carrier becomes the next step. Civil cases for Curry County file in the 9th Judicial District Court, and bad-faith disputes against your own insurer can be filed there as well.

UM/UIM Coverage Under New Mexico Law

Under NMSA § 66-5-301, every New Mexico auto insurance policy must offer UM/UIM coverage in amounts equal to the bodily injury liability limits the insured elected. Rejection of UM/UIM must be in writing.

• Uninsured Motorist (UM): Pays your damages when the at-fault driver had no insurance, was driving stolen, or fled the scene (hit-and-run).
• Underinsured Motorist (UIM): Pays the difference when the at-fault driver had insurance but their limits don’t cover your full damages.

UM/UIM Stacking — Compounding Coverage in Clovis

New Mexico has historically allowed both inter-policy and intra-policy stacking, though specific limits depend on policy language and recent case law (the leading case is Schmick v. State Farm, which established that anti-stacking clauses must be conspicuous and unambiguous). Practical implications for Clovis residents:

• Intra-policy stacking: Multiple vehicles on a single policy with UM/UIM may stack — three vehicles each with $50,000 UM could yield $150,000 available.
• Inter-policy stacking: Coverage from multiple household policies may apply to the same claim, depending on the policy language.
• Resident relative coverage: A child living at home in Clovis may stack a parent’s UM/UIM coverage on top of their own.

Insurance companies do not volunteer stacking. They typically apply only the most obvious single policy. We pull every applicable household policy, identify every layer, and demand the insurer honor all of them.

When You Need a Clovis UM/UIM Lawyer

• Hit-and-run crash in Clovis or Curry County where the other driver was never identified
• At-fault driver carried only state-minimum coverage and your medical bills exceed it
• Your own insurer denies UM coverage or pressures you to accept a lowball settlement
• Multiple injured parties competing for a single policy’s limits
• You suspect additional household policies should apply but the insurer says no
• The crash involved an out-of-state vehicle and the insurer is slow to respond

Bad Faith — When Your Own Insurer Won’t Pay

New Mexico recognizes a tort of insurance bad faith. When your own carrier unreasonably denies, delays, or underpays a valid UM/UIM claim, you can sue for the underlying claim amount plus consequential damages, punitive damages, and attorney’s fees. The standard for bad faith was articulated in Sloan v. State Farm and subsequent New Mexico Supreme Court decisions. Insurers know the law. They also know most claimants don’t pursue it. We do.

What to Do After an Uninsured Driver Hits You in Clovis

1. Call 911 and get the police report. The Clovis Police Department (or Curry County Sheriff if outside city limits) needs to document the other driver’s lack of valid insurance or that they fled the scene.
2. Get medical attention at Plains Regional Medical Center. Even minor symptoms should be documented immediately — many soft-tissue injuries present hours or days later.
3. Photograph the scene, vehicles, and injuries. If hit-and-run, document any partial license plate, vehicle make/model/color, or distinguishing features.
4. Notify your insurance company promptly. Most policies require notice within a defined window (often 30 days for hit-and-run).
5. Do not give a recorded statement before talking to a lawyer. Your own insurer is now adverse to you on the UM/UIM claim.
6. Call El Gringo Law before signing anything. Initial UM/UIM offers from your own carrier are routinely 20-40% of case value.

New Mexico Statute of Limitations

UM/UIM claims in New Mexico are governed by the insurance contract — typically subject to a six-year written-contract limitations period, though some policies attempt to shorten this. Personal injury tort claims are subject to three years under NMSA § 37-1-8. Don’t rely on policy language alone — call us to confirm the deadline that actually applies to your claim.

Frequently Asked Questions — UM/UIM Claims in Clovis

What if I was hit by an uninsured driver in Clovis but only have state-minimum coverage?

Your UM coverage equals whatever limits you elected on your own policy. If you carry $25,000 UM, that’s the maximum from your own insurer. If multiple vehicles are on the policy, those limits may stack. If a resident relative in Clovis or elsewhere has their own policy, that may also apply.

What court handles UM/UIM disputes for Clovis residents?

Civil cases for Curry County residents file in the 9th Judicial District Court. Bad-faith claims against your own insurer can be filed there as well. Many UM/UIM disputes settle before suit; others require litigation through the local court.

Will making a UM claim raise my insurance rates?

UM/UIM claims for not-at-fault crashes generally should not raise rates — they are not at-fault claims. If your carrier raises rates anyway, that itself can be evidence of bad faith.

Can I sue my own insurance company if they refuse to pay?

Yes. New Mexico recognizes insurance bad faith as a tort. When your carrier unreasonably denies or underpays a valid UM/UIM claim, you can sue for the underlying claim amount plus consequential damages, punitive damages, and attorney’s fees.

What if my UM/UIM coverage was rejected when I bought the policy?

NMSA § 66-5-301 requires UM/UIM rejection to be in writing. If the insurer can’t produce a signed written rejection, the rejection may be invalid and coverage may apply by operation of law. We check this on every case.

How long do UM/UIM cases take?

Most resolve in 4 to 12 months once medical treatment is complete. Cases involving denied coverage, bad-faith claims, or multiple layers of stacked policies can take longer — but typically result in larger settlements because of the complexity and the bad-faith exposure on the insurer.

What does it cost to hire a Clovis UM/UIM lawyer?

Nothing upfront. We work on contingency. You pay nothing unless we recover money for you. Initial consultation is free.

Talk to a Clovis UM/UIM Lawyer Today

El Gringo Law handles uninsured and underinsured motorist claims throughout Clovis, Curry County, and statewide New Mexico. Free consultation, no fee unless we recover money. Call (505) 207-5000 24 hours a day or send a message above.

Disclaimer: Past results do not guarantee future outcomes. Settlement amounts vary based on injury severity, coverage, fault, and venue. Hiring a lawyer is an important decision and should not be based solely on advertising.