Free Insurance Coverage Review in New Mexico
Most people do not read their insurance policy until something goes wrong. By then, it is too late to change it.
The Law Offices of Bill Russell offers complimentary insurance coverage reviews for New Mexicans who want to understand what their policy actually covers, before or after an accident.
Why Bill Russell Reviews Coverage
Before becoming an attorney, Bill Russell worked as a licensed insurance agent in New Mexico from 2010 to 2012. He saw firsthand how policies are written, how coverage is sold, and how small choices on an application can make a big difference after a crash.
Today, as a personal injury lawyer, he sees the other side: injured people who find out too late that they have less protection than they thought. A coverage review is a simple way to help people avoid that surprise.
What We Can Review
- Auto liability limits and whether they match your situation
- Uninsured and underinsured motorist (UM/UIM) coverage, including whether it was properly offered or rejected
- Medical payments coverage
- Coverage for other drivers and vehicles in your household
- Homeowner’s and renter’s liability coverage
- Umbrella policies
- Coverage questions after a denied or disputed claim
Why It Matters in New Mexico
New Mexico’s minimum auto insurance is only $25,000 per person for bodily injury. The state also has a high number of uninsured drivers. That means your own UM/UIM coverage may be the most important protection you have after a serious crash.
New Mexico insurers must offer UM/UIM coverage, and it can only be rejected in writing. Many people are not sure what they chose, or whether the paperwork was done correctly. Learn more about why minimum coverage often falls short.
How It Works
- Contact us by phone or online to request a review.
- Send your policy documents. The declarations page is the most important. If you have the full policy and any signed UM/UIM selection or rejection forms, send those too.
- We review your coverage and explain, in plain language, what you have, where the gaps may be, and what questions to ask your agent.
There is no cost for a coverage review.
Already Been in an Accident?
If you were hurt in a crash, a coverage review can help identify every source of compensation, including your own UM/UIM coverage and policies you may not know apply. It can also help you avoid steps, like signing a release too early, that could affect an underinsured motorist claim.
If your claim was denied, read our guide to why insurance companies deny injury claims.
Frequently Asked Questions
Is the coverage review really free?
Yes. There is no charge to have Bill Russell review your policy and explain your coverage.
Do I have to be injured to request a review?
No. Many people request a review simply because they want to know what they are paying for.
Will you contact my insurance company?
No. The review is between you and our office. We will not contact your insurer unless you ask us to.
Do you sell insurance?
No. We do not sell insurance or receive anything from insurance companies. The goal is simply to help you understand your coverage.
What should I send?
Start with your declarations page, which lists your coverages and limits. The full policy and any signed coverage selection forms are helpful too.
Request Your Complimentary Coverage Review
Call (505) 218-7844 or contact us online to request a review from The Law Offices of Bill Russell.
This page is for general information only and is not legal advice. A coverage review is based on the documents you provide. Insurance policies vary, and only your insurer can make final coverage decisions on a claim.