Violations of New Mexico’s Insurance Code
When Insurance Companies Break the Rules, We Hold Them Accountable
Insurance companies in New Mexico are regulated by a comprehensive set of laws designed to protect policyholders from unfair practices.
At GPJ Legal, we represent individuals, families, and businesses throughout the state in cases involving violations of New Mexico’s Insurance Code. With over 35 years of civil litigation experience, including extensive work on both sides of the insurance aisle, we bring insight, strategic focus, and deep knowledge of the law to every case.
Understanding New Mexico’s Insurance Code
The New Mexico Insurance Code (NMSA Chapter 59A) sets out strict standards for how insurance companies must operate. These regulations cover everything from policy issuance and pricing to claims handling and dispute resolution. Violations may include:
Unfair claim denials without a reasonable investigation
Delayed payment of valid claims without cause
Misrepresentation of policy coverage or exclusions
Failure to acknowledge or act on communications promptly
Coercive or misleading settlement tactics
Cancellation or non-renewal of policies without legal justification
When these violations cause harm, contact us.
Who Is Protected by the Code?
The law protects all policyholders in New Mexico—including individuals with:
Homeowners or renters insurance
Auto or UM/UIM coverage
Health or life insurance
Commercial liability or property insurance
Professional liability or E&O policies
If your insurance company failed to treat your claim fairly or follow legal procedures, we can evaluate to protect your rights..
Our Legal Approach
GPJ Legal will::
Full review of your policy and claims history
Investigation into insurer communications and decisions
Expert analysis of regulatory and statutory violations
Litigation in state or federal court where necessary
Collaboration with regulatory authorities when appropriate
We’re not just looking to resolve your individual claim—we’re working to enforce the standards that protect everyone.
Why GPJ Legal?
✔ Deep Insurance Law Knowledge
We’ve spent decades inside and outside the courtroom handling insurance disputes, policy interpretation, and bad faith litigation.
✔ Dual Perspective, Sharpened Insight
Having represented both insurers and insureds, we know the law and the best way to protect your rights..
✔ Strategic, Trial-Ready Advocacy
We prepare every case with the seriousness it deserves—ready to negotiate or litigate, depending on what’s best for your outcome.
What is the New Mexico Insurance Code?
Violations include unfair claim denials, unreasonable delays, misrepresentation of policy terms, or failure to properly investigate a claim. These actions may also qualify as insurance bad faith under New Mexico law.
What counts as a violation of the Insurance Code?
Violations include unfair claim denials, unreasonable delays, misrepresentation of policy terms, or failure to properly investigate a claim. These actions may also qualify as insurance bad faith under New Mexico law.
How does the Insurance Code protect policyholders?
It requires insurers to act in good faith, respond promptly, and pay valid claims on time. When companies fail to meet these duties, policyholders can take legal action. GPJ Legal helps individuals and businesses hold insurers accountable for violations of the Code.
Can I sue my insurance company for violating New Mexico law?
Yes. If your insurer breaks the law or acts in bad faith, you can file a civil claim for damages. Courts may award compensation for unpaid benefits, financial losses, attorney’s fees, and sometimes punitive damages for serious misconduct.
What are the penalties for violating the Insurance Code?
The state can fine, suspend, or revoke an insurer’s license for violations. Policyholders who are harmed by these actions can also recover damages through private lawsuits.
How do I know if my insurance company broke the law?
Warning signs include repeated delays, lost paperwork, inconsistent explanations, or sudden denials without cause. Keep detailed records of all communications - these are key to proving a violation.
Does the Insurance Code apply to all insurers in New Mexico?
Yes. Every insurance company doing business in New Mexico - large or small - is bound by the same standards for honesty and fair dealing.
What should I do if I suspect a violation?
You should contact an insurance attorney right away. Acting quickly can stop ongoing harm and strengthen your case. GPJ Legal routinely investigates potential Insurance Code violations for clients across New Mexico.
Can I recover more than my policy limits if my insurer violated the Code?
Sometimes. If an insurer’s misconduct rises to bad faith, courts can award damages beyond the policy amount to punish the wrongdoing.
Why is legal help important in these cases?
Insurance laws are complex, and companies have strong defense teams. Having experienced counsel ensures you understand your rights and can recover the full compensation you deserve.
