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Are you on Medicare and living in a nursing home? It’s a good idea to know how well you will be taken care in long-term care facilities by knowing what your nursing home is rated. Skilled nursing home facilities participating …

[1] Medical payments coverage, however, is primary which means the medical payments coverage must be exhausted until the health insurer begins to make payments.  Similarly, Medicare may choose not to not make payments if there is a responsible third-party.  Most …

New Mexico’s Mandatory Responsibility Act (a/k/a “MFRA”) requires every driver in New Mexico to be financially responsible for their vehicle while driving on New Mexico’s roads.  This means a driver must have a minimum liability coverage of $25,000 (per person, …

Anyone injured in an Albuquerque car accident is under a duty to mitigate their damages, which essentially means lessen the harm that resulted from the accident.  For example, someone who suffered serious personal injuries after a car accident can mitigate …

In order to file a bodily injury claim, you need to file against the at-fault driver’s insurance company. If you were at-fault, they’ll file against your insurance. Bodily injury claims are considered “third party claims” which means you are filing …