In many New Mexico car accident lawsuits, the case is actually defended by the insurance company that provided coverage to the at-fault driver. Indeed, one of the major benefits of obtaining sufficient insurance coverage is that, by virtue of the policy agreement, the company agrees to defend any claims against the insured.
When it comes to interpreting their own policies, however, insurance companies have a vested interest. Thus, motorists are routinely frustrated by an insurance company’s denial of their claims. In a recent case, the plaintiffs’ case against an insurance company that provided underinsured/uninsured motorist (UIM) coverage to a car dealership was dismissed after the plaintiffs were rear-ended by another motorist while test-driving a vehicle.
The Facts of the Case
The plaintiffs were on a test-drive when another motorist rear-ended them. The plaintiffs sustained serious injuries as a result of the accident and filed a personal injury lawsuit against the at-fault driver. However, that driver did not have sufficient insurance coverage to fully compensate the plaintiffs for the injuries they sustained.