New Mexico


Choice of Law Admission of Extrinsic Evidence Insurer Allocation Pre-Tender FeesStatute of Limitations
Lex loci contractusFacts known or available to the insurerIf one claim is potentially covered, must defend entire suit Not Addressed6 years
Shope v. State Farm Ins. Co., 925 P.2d 515, 517 (N.M. 1996)Southwest Steel Coil, Inc. v. Redwood Fire & Cas. Ins. Co., 148 P.3d 806, 811 (N.M. Ct. App. 2006)
G & G Services, Inc. v. Agora Syndicate, Inc., 993 P.2d 751, 758 (N.M. Ct. App. 1999) (“An insurance company ‘cannot construct a formal fortress of the third party's pleadings and retreat behind its walls. The pleadings are malleable, changeable and amendable. … In light of the … plasticity of modern pleading, we should hardly designate the third party as the arbiter of the policy's coverage.’ Gray v. Zurich Ins. Co., 419 P.2d 168, 176 (Cal. 1966) (en banc).”)
Valley Improvement Ass’n v. USF&G Corp., 129 F.3d 1108, 1116 (10th Cir. 1997)(N.M. Stat. Ann. § 37-1-3)
Pre-Judgment Interest Late Notice Public Policy Bar Independent CounselAtty's Fees/Decl. Relief Action
No more than 15% annuallyNotice-prejudiceBar to indemnityRight to separate counsel, unclear on who selectsRecoverable
(N.M. Stat. Ann. § 56-8-3)Roberts Oil Co. v. Transamerica Ins. Co., 833 P.2d 222, 231-34 (N.M. 1992)New Mexico Physicians Mut. Liab. Co. v. La Mure, 860 P.2d 734, 740 (N.M. 1993)American Employers’ Ins. Co. v. Crawford, 533 P.2d 1203, 1208 (N.M. 1975)
American Employers’ Ins. Co. v. Continental Cas. Co., 512 P.2d 674, 678 (N.M. 1973)
Valley Improvement Ass’n v. Hartford Acc. & Indem. Co., 863 P.2d 1047, 1051 (N.M. 1993)
Kelly Inn No. 102, Inc. v. Kapnison, 113 N.M. 231, 245-46 (1992)