Your Allies In The Complex World Of Insurance
Insurance law is incredibly complicated. What’s more, insurance companies have a reputation for taking advantage of policyholders through unfair contracts or for refusing to honor their policies.
At Berenson & Associates, PC, we know because we have seen it firsthand. Fortunately, our attorneys are committed to helping people throughout Albuquerque who suffered an accident or injury and need help with insurance contract issues.
How Can We Help You?
Whether you are grappling with a coverage dispute, filing a claim involving an uninsured or underinsured motorist (UM/UIM) or seeking counsel to advise you of your rights, we can assist you. Clients frequently come to us for help with issues such as:
- Medical payments coverage: The part of a car insurance policy that covers hospital bills and other costs affiliated with an accidental injury.
- Offsets: The right of your insurance company to reduce the amount it pays you if you receive compensation from another party.
- Stacked insurance: Combining the coverage limits on multiple vehicles to increase your protection if you have a crash with an uninsured or underinsured driver.
In addition to advocating for you during the contract formation process, we can help you facilitate a successful claim or explore your options for optimizing your insurance coverage. We will explain the law in plain English or Spanish. You will leave understanding your rights and knowing what to expect as we help you navigate the world of insurance contracts.
The Importance Of UM/UIM Coverage
New Mexico law requires motorists to keep a minimum of $25,000 in coverage for bodily injury or death. Although New Mexico requires motorists to purchase auto insurance, a stunning number of them do not. It is critical to have UM/UIM coverage from your own insurance provider. You might even have purchased it without realizing. Uninsured motorist insurance is opt-out, meaning you must sign a document to decline coverage. Before you step down your bodily injury or UM/UIM coverage, speak with one of our lawyers about how the difference in coverage may affect you.