STATE LAW – NEW MEXICO LIBRARY – GUIDE 15
New Mexico Rideshare & Transportation Network Coverage
New Mexico rideshare insurance changes with app status. Under Section 65-7-8 NMSA 1978, a transportation-network driver who is logged in and available for requests but not engaged in a prearranged ride must have primary liability coverage of at least $50,000 per person, $100,000 per incident and $25,000 for property damage, together with UM/UIM coverage to the extent required by Section 66-5-301. During a prearranged ride, the required primary liability coverage is at least $1 million, again with UM/UIM coverage to the extent required by Section 66-5-301.
- Preserve app-status, trip and GPS records.
- Obtain the driver’s personal policy and the transportation-network policy.
- Review personal-policy exclusions and rideshare endorsements.
- Request the precise log-on and log-off times and all TNC coverage, exclusions and limits required to be disclosed in a claims coverage investigation under Section 65-7-10.
New Mexico TNC insurance changes with app status
NMSA § 65-7-8 requires at least $50,000 bodily injury per person, $100,000 per incident, and $25,000 property damage while the driver is logged into the network but not engaged in a prearranged ride, together with UM/UIM coverage required by § 66-5-301.
Prearranged rides require $1 million liability coverage
While the driver is engaged in a prearranged ride, § 65-7-8 requires at least $1,000,000 in primary automobile liability coverage and the UM/UIM protection required by New Mexico law. TNC-maintained coverage becomes primary if the driver’s coverage lapses or fails to satisfy the statute.
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Official Sources
Verify current New Mexico law at the source
The reviewed New Mexico guide content above is preserved. Use current statutes, insurance regulation, controlling cases and the operative policy before legal reliance.