Rear End Collision
$2,300,000
Insurer offered$85,000
Spinal cord injury after a rear end crash. The insurer offered $85,000.
Serving New Mexico
Hurt in a crash? The insurance company already has a team working on your claim. You should too. A free call tells you where you stand.
Your attorneyAndranik "Andy" Boyadzhyan, Esq.Founding Attorney. Licensed in New Mexico.Attorney advertising. Services are not available in all states.

By Andranik "Andy" Boyadzhyan, Attorney at Law. Meet the team
In New Mexico, when a crash takes a family member's life, a court appointed personal representative brings one claim for the surviving family against the driver or company responsible. The claim covers the value of the life that was lost, the support and companionship the family depended on, and the pain the person suffered before death. Top USA Law handles the appointment, the investigation and every insurer. Consultations are free.
You have a claim if another person's carelessness caused the crash that took your family member's life. A driver who ran the light at Coors and Central, a truck that ran into stopped traffic at the Big I where I-25 and I-40 cross, a drunk driver on the rural stretch of US 550 north of Bernalillo, or a driver who crossed the center line on US 70 outside Las Cruces was negligent, and New Mexico's Wrongful Death Act gives the family a claim against that driver and against anyone who put that driver on the road.
The civil claim stands on its own. It does not wait for a criminal case, and it does not need a conviction. Albuquerque Police, the Bernalillo County Sheriff and the New Mexico State Police investigate a fatal crash for criminal purposes, and the Office of the Medical Investigator reviews the death, but none of that work is done for the family's claim. We gather the evidence the investigators were not looking for: the vehicle data, the camera footage, the driver's phone records and the company's files.
The person's own share of fault does not end the claim. New Mexico applies pure comparative negligence, adopted by the New Mexico Supreme Court in Scott v. Rizzo, so if a jury finds the person who died was partly responsible, the recovery is reduced by that percentage and nothing more. An insurer will still argue the percentage, and we answer it with evidence, but no New Mexico family loses the claim because their loved one made a small mistake.
Two things shape every New Mexico wrongful death claim, and neither one ends it. The first is who the responsible party is, because a public entity such as ABQ RIDE or a state highway crew carries a 90 day notice requirement and damage caps that a private driver does not. The second is insurance, because many drivers on New Mexico roads carry none or the minimum, and the search for coverage is the first job.
Under the Wrongful Death Act, NMSA 41-2-1, the claim is brought by a personal representative for the benefit of the statutory beneficiaries. The representative is appointed by the court, most often through probate proceedings in the Second Judicial District Court in Albuquerque, the Third Judicial District Court in Las Cruces or the Thirteenth Judicial District Court for Sandoval County, and is usually a spouse, an adult child or a parent. The appointment comes first, and the lawsuit follows in the representative's name.
The recovery belongs to the family, not to the estate. New Mexico's statute names the beneficiaries in order: the surviving spouse and children first, then the parents, then brothers and sisters. The personal representative holds the claim for them and distributes what is recovered according to the statute, so a family does not need to agree on shares before the claim begins and the person's creditors do not take from it.
There is one claim, not several. A spouse, children and parents do not file separate suits; the personal representative brings one action for all of the beneficiaries at once, and the court and the statute decide who shares in it. In a blended family, or where a spouse and adult children from an earlier marriage both survive, we explain the statutory order plainly at the first meeting so no one is surprised later.
We prepare the petition for appointment, coordinate with the district court and carry the paperwork ourselves. Families are often told to wait until they feel ready to think about any of this. The three year deadline does not wait, and the evidence disappears much faster, so we handle the appointment in the first weeks with as little of it landing on the family as possible.
New Mexico permits broad damages under NMSA 41-2-1, broader than many families expect. The claim includes the value of the person's life itself, apart from what the person earned. It includes the financial support the person would have provided over a working life, and it includes what the beneficiaries lost personally: the companionship, the guidance a parent gives a child, the care a spouse gives a spouse. It also includes the medical and funeral bills the death produced.
The claim also covers what the person went through before death. When a family member survives a crash for hours or days at University of New Mexico Hospital, the pain and suffering of that time is part of the recovery, along with the medical care it required. That element depends on the medical records and the accounts of the people at the bedside, and we gather both while they are fresh.
Where the driver's conduct was reckless rather than merely careless, such as driving drunk in violation of NMSA 66-8-102, fleeing the scene under NMSA 66-7-201, or racing at highway speed, punitive damages can be added to punish the conduct. Those facts come from toxicology, phone records, the event data recorder and witnesses, and we pursue them because they change both the value and the leverage of the claim.
Value depends on the facts of one life: age, health, work, the family that depended on the person, and the share of fault, if any, a jury would assign. It also depends on the insurance that can be found, because a minimum policy pays its limit no matter how great the loss, and on venue, since juries in Bernalillo, Dona Ana and Sandoval Counties have each valued these cases their own way. We do not quote a number before that picture is clear. Past results do not guarantee a similar outcome.
The first call often comes within days, while the family is still planning the service. The adjuster offers condolences and sometimes offers the policy limit quickly, with a release to sign. That release usually ends the claim against everyone, including the family's own underinsured motorist carrier, and it is signed before anyone knows what the driver did or what other coverage exists. Do not sign it. Once you retain us, every call from every insurer comes to us.
Expect the fault argument next. Because New Mexico reduces a recovery by the percentage of fault assigned to the person who died, the adjuster looks for a percentage in every file: no seat belt, a few miles over the limit on Paseo del Norte, a late night drive, a phone in the car. The recorded statement the adjuster asks a family member to give is where those percentages are born. We answer them with the physical evidence, the camera footage and the witnesses, gathered before any of it is gone.
Expect the value argument too. The insurer will describe the person's life narrowly, as a set of paychecks, and will discount a retired parent, a child or a family member who did not work. New Mexico law does not measure a life that way, and neither do we. We present the full measure: the value of the life, the support, the companionship and guidance, and the pain before death, with the records and the people who can speak to each.
If the insurer will not pay a fair number, we file suit in the district court for the county where the crash happened or where the defendant lives, and discovery puts the driver, the company and the records under oath. Most New Mexico wrongful death cases settle before trial. They settle for more once the insurer knows a Bernalillo, Dona Ana or Sandoval County jury is the alternative.
A New Mexico wrongful death action must be filed within three years of the death under NMSA 41-2-2. The clock runs from the death, not the crash. When a family member survives for days or weeks at University of New Mexico Hospital and then passes, the two dates differ, and we calendar both. When the three years pass, the claim is gone no matter how clear the driver's fault was.
Three years is shorter than it sounds. The personal representative has to be appointed before suit is filed, the investigation takes months, and an insurer will use every one of them. Other people hurt in the same crash, a surviving spouse or child in the same car, have three years from the crash under NMSA 37-1-8 for their own injury claims, and those clocks run alongside the wrongful death claim. We calendar all of them.
Public entities have a much shorter fuse. If an ABQ RIDE bus, a Rio Metro vehicle, a city, county or State vehicle, a police cruiser, or a dangerous road or intersection maintained by a public body was involved, the New Mexico Tort Claims Act requires written notice within 90 days under NMSA 41-4-16, and it caps the damages a public entity has to pay. A missed notice can end the claim no matter how clear the fault. We serve it in the first weeks.
Insurance deadlines run separately and sooner. Every policy requires prompt notice, and uninsured and underinsured motorist coverage requires that the family's own insurer be notified before any settlement with the at fault driver. Settling with the other driver first, even for the policy limit, can forfeit that coverage. We put every carrier on notice in the first days so no policy is lost to a missed letter.
Decide who will serve as personal representative and let us file the petition with the district court. The funeral home usually orders certified copies of the death certificate from the state; ask for more than you think you need, because the court, every insurer, the bank and the employer will each want one. The Office of the Medical Investigator issues its own report on a crash death, and we request it along with the hospital records.
Preserve the evidence before it disappears. Do not let the vehicle be sold for salvage or released by the tow yard; its event data recorder holds speed, braking and seat belt data from the seconds before impact, and we send preservation letters to the yard and to the other driver's insurer immediately. Footage from gas stations, storefronts, traffic signals, ABQ RIDE buses and dash cameras is overwritten within days. Tell us where the crash happened on the first call and we start those letters the same day.
Get the police or State Police report number, and know that a fatal crash usually produces a longer reconstruction report that takes weeks. We request it, along with the toxicology results and any charges filed. A charge under NMSA 66-8-102 for driving while intoxicated, or under NMSA 66-7-201 for leaving the scene, becomes evidence in the civil case, and we follow the criminal case closely without waiting on it.
Handle the insurer's early calls by not handling them. Do not give a recorded statement, do not sign anything, and do not accept a check. Ask for the adjuster's name and number and give it to us. Stay off social media about the crash, because a single post about your family member's evening can become a fault percentage in an adjuster's file months later.
Keep every receipt for the funeral, the burial and the travel it required, because those costs are part of the claim. Medical payments coverage on your family member's auto policy may help with funeral expenses now, and if your family member was driving for work, a workers' compensation death benefit may be available separately. We review those sources with you so the family is not carrying costs that a policy should pay.
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Rear End Collision
$2,300,000
Insurer offered$85,000
Spinal cord injury after a rear end crash. The insurer offered $85,000.
T Bone Accident
$1,800,000
Insurer offered$120,000
Broken pelvis and internal bleeding at an intersection. The insurer offered $120,000.
Drunk Driver Victim
$1,500,000
Insurer offered$50,000
Traumatic brain injury caused by an impaired driver. The insurer offered $50,000.
Every case is different. Past results do not guarantee, warrant, or predict a similar outcome.
Top USA Law does not keep an office in New Mexico. We meet New Mexico families by phone, by video or at home, on your schedule and at your pace, and everything runs through one number, (877) 411-5291, answered around the clock. Andranik "Andy" Boyadzhyan, the firm's founding attorney, is licensed in New Mexico and handles New Mexico wrongful death matters. If a family member is still being treated at University of New Mexico Hospital, the state's only Level I trauma center, we come to you.
The personal representative is appointed through probate proceedings in the district court, and the lawsuit is filed in the district court for the county where the crash happened or where the defendant lives. For our families that is most often the Second Judicial District Court in Bernalillo County, which sits in Albuquerque, the Third Judicial District Court in Dona Ana County in Las Cruces, and the Thirteenth Judicial District Court, which covers Sandoval County, Rio Rancho and Bernalillo.
The fatal crashes we see come from the same places. High speed and commercial truck crashes on I-40 across the state and on I-25 between Las Cruces, Albuquerque and Santa Fe. Rear end and merge crashes at the Big I. Intersection crashes on Coors, Central and Montgomery in Albuquerque and on US 70 and Main Street in Las Cruces. And the rural highways, US 550, US 70 and the two lane roads between towns, where speed, darkness, livestock and the distance to a trauma center turn a survivable crash into a fatal one. Whatever the road, the evidence is the same: what the other driver did, proved before it is gone.
We serve New Mexico clients by phone, video and in person appointments arranged case by case.
NMSA 41-2-1 is the Wrongful Death Act. It places the claim with a personal representative for the benefit of the statutory beneficiaries and permits broad damages, including the value of the person's life, the support the person would have provided, the loss of companionship and guidance, and the pain the person suffered before death. NMSA 41-2-2 requires the action to be filed within three years of the death.
Pure comparative negligence shapes the fault question, and it comes from the New Mexico Supreme Court's decision in Scott v. Rizzo rather than from a statute. If the person who died was partly responsible, the recovery is reduced by that percentage but never eliminated. A finding of 20 percent fault still leaves 80 percent of the damages, which is why insurers argue percentages so hard and why the early evidence matters.
NMSA 37-1-8 sets the three year deadline for a personal injury lawsuit, measured from the crash. It governs the claims of the other people hurt in the same crash, a surviving spouse or child in the same car, for example, and those claims run on their own clocks beside the wrongful death claim. We calendar every one of them so no family member's claim is lost while the larger case moves.
NMSA 41-4-16 is the Tort Claims Act notice requirement: written notice within 90 days for any claim against a public entity such as ABQ RIDE, Rio Metro, a city, a county or the State. The Act also caps the damages recoverable against government entities, which changes the value of a claim when a public vehicle or a public road was involved.
NMSA 66-7-201 makes leaving the scene of a crash that caused injury a crime, and NMSA 66-8-102 prohibits driving while intoxicated. A conviction under either statute is admissible in the civil case, establishes the driver's conduct, and often supports a claim for punitive damages on top of the family's loss. On insurance, New Mexico requires liability coverage on every registered vehicle and requires insurers to offer uninsured and underinsured motorist coverage, which responds to a wrongful death claim when the at fault driver carried too little or none.
Hurt in a crash? Talk it through for free.
New Mexico filing deadlines and insurance notice rules can be short. A free call tells you where your clock stands.
Last reviewed by Andranik "Andy" Boyadzhyan, Esq., October 2026.
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Best decision I ever made. My truck accident case settled for $285,000. They were available 24/7 and always kept me updated.
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