1. A New Mexico driver is rear-ended at a stop light, and the accident report finds the driver not at fault. Under New Mexico law, the driver's auto insurer may NOT:

Increase the premium because of that accident

A motor vehicle liability insurer's rates shall not provide for a premium increase based on an accident in which the insured is not at fault.

2. A New Mexico police report says an insured was not at fault, but the auto insurer believes otherwise. Before treating the insured as at fault, the insurer must:

Investigate before reaching that conclusion

If the insurer determines fault contrary to the accident report, it may reach that conclusion only after an investigation.

3. New Mexico's Mandatory Financial Responsibility Act requires liability coverage of at least:

$25,000/$50,000/$10,000

Evidence of financial responsibility means $25,000 per person and $50,000 per accident for bodily injury, and $10,000 for property damage.

4. Under New Mexico's minimum financial responsibility limits, the most required for property damage to others in one accident is:

$10,000

The required property damage amount is ten thousand dollars because of injury to or destruction of property of others in any one accident.