This office clause is a form dealing with compliance with legal requirements and insurance recommendations covering most all of the issues covered.
New Mexico Clause Addressing Compliance with Legal Requirements and Insurance Recommendations
Category:
State:
Multi-State
Control #:
US-OL13064
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Word;
PDF
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How to fill out Clause Addressing Compliance With Legal Requirements And Insurance Recommendations?
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FAQ
An insurance policy is a legal contract between the insurance company (the insurer) and the person(s), business, or entity being insured (the insured).
Endorsement/rider?A written statement that changes the coverage or details of an insurance policy. Exclusion?These are the specific things that your insurance policy does not cover or limits coverage for. For example, your policy may not cover certain kinds of dangers, people, property, or locations.
You have the right to reject stacked limits of Uninsured and/or Underinsured Motorist Coverage. If you reject stacked limits, then each vehicle insured under the policy will have its own limits of Uninsured and/or Underinsured Motorist Coverage. Rejecting stacked limits will reduce your auto insurance premium.
The policyholder must participate in the investigation of the claim by providing detailed information. The clause helps insurers gain access to information that might otherwise be difficult to uncover and, therefore, more easily determine whether a claim should be paid out.
Section 66-5-301 - Insurance against uninsured and unknown motorists; rejection of coverage by the insured.
A person who drives a motor vehicle on a public highway of this state at a time when the person's privilege to do so is revoked and who knows or should have known that the person's license was revoked is guilty of a misdemeanor and shall be charged with a violation of this section.
No person shall drive an uninsured motor vehicle, or a motor vehicle for which evidence of financial responsibility as was affirmed to the department is not currently valid, upon the streets or highways of New Mexico unless the person is specifically exempted from the provisions of the Mandatory Financial ...
Essentially, after an accident, if the at-fault driver lacks liability coverage, your own UM/UIM coverage would kick in. You can also stack insurance UM policies in New Mexico. This allows a policyholder to combine the policy's limits for each vehicle.
