Green or Red? (How About Covered?) ![A Convertible Mid-Air With A Pink Smoke Cloud Below It]()
If you're from New Mexico, chances are you've heard the classic question: Green or Red? But did you know that nearly 1 in 5 drivers in New Mexico are uninsured? If you're hit by one of these uninsured drivers and don’t carry the right coverage, there may not be any financial recovery available to help with medical bills, lost wages, or vehicle repairs. So, what’s better—Green, Red, or Christmas—when it comes to auto insurance coverage? Our Albuquerque car accident attorney explains, but first, let’s break down some key terms.
So, what is UM/UIM coverage, anyway, and why does it matter?
Uninsured Motorist (UM) coverage applies when the at-fault driver has no insurance at all—nothing, zip, zero. Underinsured Motorist (UIM) coverage applies when the at-fault driver does have insurance, but it isn’t enough to cover all your damages. These types of coverage are critical in New Mexico not just because of the high number of uninsured drivers, but also due to the many drivers carrying only the state-required minimum coverage—which often isn't enough in serious accidents.
If you’re not sure whether you have UM/UIM coverage, contact your insurance company and review your policy with them. Adding this coverage might cost a few extra dollars each month, but it can save you thousands—and a lot of stress—down the road.
Let’s break it down, chile-style:
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Mild Green Chile (Basic Coverage): This is your standard liability insurance—just enough to get you legal. But if you’re in a crash with an uninsured driver
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and you don’t have UM/UIM coverage, you're on the hook for your own medical bills and repairs. That’s a hard price to pay for going mild.
and you -
Spicy Red Chile (UM/UIM Coverage Added): When you upgrade to include UM/UIM coverage, you’re protected—even if the other driver isn’t. If they have no insurance or not enough, your policy kicks in to cover your medical expenses, lost wages, and more. It’s the bold choice—and the smart one.
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Christmas (The Works): This is the best of both worlds—comprehensive coverage that includes liability, collision, and UM/UIM. In a state where nearly 20% of drivers might leave you hanging after an accident, going with the full plate ensures you and your passengers are protected no matter what. It’s peace of mind, New Mexico-style.
Whether you like Green, Red, or Christmas on your breakfast burrito, when it comes to your auto policy, Christmas is the way to go. Don’t go into battle with the insurance company with mild coverage; make sure you're fully covered today.