Core New Mexico Sources

• New Mexico Motor Vehicle Division — Mandatory Insurance — current 25/50/10 liability minimums.
• NMSA 1978, § 66-5-301 — uninsured and underinsured motorist coverage.
• 13.12.3.9 NMAC — UM/UIM rejection requirements.
• 2025 HB 97 legislative history — proposed mandatory minimum UM/UIM legislation that did not become law.

Leading New Mexico Decisions

• Jordan v. Allstate Insurance Co., 2010-NMSC-051 — offer, rejection, premium disclosure and policy reformation for UM/UIM coverage.
• Montano v. Allstate Indemnity Co., 2004-NMSC-020 — written rejection requirements for UM/UIM stacking.
• Whelan v. State Farm Mutual Automobile Insurance Co. (N.M. 2014) — retroactivity and application of UM/UIM rejection requirements.
• Garcia v. Allstate Fire & Casualty Insurance Co. (N.M. 2025) — recent application of stacking-waiver principles.

New Mexico UM/UIM law is form-sensitive and heavily developed by appellate decisions. Check current statutory and regulatory text, later citing cases, and the exact rejection or selection forms before drawing a coverage conclusion.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments, regulations and current policy language before reliance.