What uninsured coverage must a New Mexico Uber or Lyft policy show?
New Mexico’s 2016 Transportation Network Company Services Act does not set its own uninsured-motorist dollar amount. In both app-on periods it requires uninsured and underinsured motorist coverage “to the extent required by Section 66-5-301 NMSA 1978.”
Section 66-5-301’s own text is unverified here as of November 10, 2026. The 2016 act does not say that cross-reference forbids a rejection if 66-5-301 allows one. It also does not say who signs a rejection.
The limits below follow enrolled House Bill 168 (Laws 2016, Chapter 80). Later amendments in the NMOneSource compilation are unverified as of November 10, 2026.
New Mexico & the West
What liability limits does the 2016 act set?
Section 2 of the enrolled act says a prearranged ride commences when a driver accepts a transportation request through a digital network. It continues until all passengers have exited the personal vehicle at the destination the rider requested. The drive to the pickup is inside that period.
| Period | Liability | Uninsured and underinsured | Where that figure comes from |
|---|---|---|---|
| Logged on, not on a prearranged ride | Primary automobile liability of at least $50,000 for death and bodily injury per person, $100,000 per incident, and $25,000 for property damage | “To the extent required by Section 66-5-301 NMSA 1978.” The text of 66-5-301 is unverified as of November 10, 2026. | House Bill 168, Section 8(B), 2016 enrolled text |
| On a prearranged ride, from acceptance until all passengers have exited | At least $1,000,000 primary automobile liability for death, bodily injury, and property damage | The same cross-reference to 66-5-301 | House Bill 168, Sections 8(C) and 2, 2016 enrolled text |
| Uber certificate, logged on, no acceptance recorded | $50,000 / $100,000 / $25,000. Term March 1, 2026 to March 1, 2027. Certificate dated March 1, 2026. | “Not included in any amount.” | Uber New Mexico certificate, Farmers Insurance Exchange, NAIC 21652 |
| Uber certificate, acceptance recorded, en route or traveling to the destination | $1,000,000 combined single limit. Policy 606715902. Certificate dated September 1, 2026. Term September 1, 2026 to March 1, 2027. | “Not included in any amount.” | Same Uber certificate, number NM-UBER-RASIER-PERIOD2/3 |
| Lyft certificate, Period 1 | $50,000 / $100,000 bodily injury and $25,000 property damage. Policy ASE-695-471695-066. Term October 1, 2026 to October 1, 2027. | No amount printed | Lyft New Mexico certificate SEA-004219102-05, Liberty Surplus Insurance Corp, NAIC 10725. The form says “Evidence of Insurance Only for the State of NM.” |
| Lyft certificate, Period 2/3 | $1,000,000 combined single limit. Policy ASE-695-471695-076. Same term. | No amount printed | Same Lyft certificate. Physical damage is actual cash value or the cost of repair, whichever is less, less a $2,500 deductible. |
The Uber physical-damage page prints comprehensive and collision deductibles of $2,500 for a term of March 1, 2026 to March 1, 2027. A certificate is evidence of insurance. It is not a court ruling that anyone signed a rejection.
Does a missing uninsured amount mean a rejection was valid?
The certificates do not answer that. The rideshare act borrows whatever section 66-5-301 requires. It does not print a dollar amount of its own. Whether a rejection is allowed, who may sign it, and what minimum survives without a valid rejection are unverified as of November 10, 2026. Section 66-5-301 was not confirmed from its own text.
What the 2026 certificates do show is narrower. Uber’s form says uninsured and underinsured motorist coverage “is not included in any amount,” in the logged-on period and in the accepted-trip period. Lyft’s form prints no uninsured amount. Those lines are not a finding that a rejection was signed.
What if the driver’s insurance has lapsed?
Section 8(A) of the enrolled act says the driver, or the company on the driver’s behalf, maintains primary insurance that covers the driver while logged on and while on a prearranged ride.
Section 8(D) has one rule for a lapse or a failure to provide the minimum. The company’s insurance provides the coverage required by the section as the primary coverage. The enrolled text does not add a second sentence that makes the company layer excess only when the driver’s policy covers the trip and is merely short.
The insurer may be authorized to do business in New Mexico or an eligible surplus lines insurer. Section 8(E). While the driver is logged on or on a prearranged ride, insurance that satisfies the section is deemed to satisfy the Mandatory Financial Responsibility Act. Section 8(F).
May a personal policy exclude the trip?
Section 10(A) says insurers that write automobile insurance in New Mexico may exclude any part or all coverage, and the duty to defend and indemnify, for a loss while the driver is logged on or on a prearranged ride. The exclusion applies notwithstanding the Mandatory Financial Responsibility Act. The statute permits the exclusion. It does not say every personal policy uses it.
The enrolled rideshare act does not require personal injury protection.
Can a city set a different insurance floor?
Section 3 says a transportation network company and its drivers are not subject to the Motor Carrier Act. Section 18(A) says no municipality or other local entity may tax or license a company, a driver, or a vehicle where the tax or license relates to prearranged rides, except generally applicable business licenses or taxes. Section 18(B) says an airport with more than one million annual enplanements, as the Federal Aviation Administration reported for the previous calendar year, may require fees and other requirements to operate there. That airport sentence is not a different statutory insurance limit.
A later move of permit authority from the Public Regulation Commission to the Department of Transportation is not in the 2016 enrolled text. That transfer is unverified as of November 10, 2026.
What record shows whether the driver was logged on?
Section 8(H) says that after an accident while the driver is logged on or on a prearranged ride, the driver gives proof of the required coverage to passengers, other drivers, injured persons, insurers, and investigating officers, and says whether the driver was logged on or on a prearranged ride. Section 8(G) says the driver must have digital and physical proof while logged on.
Section 10(B) says that in a claims coverage investigation, the company and any insurer providing coverage shall disclose the precise times the driver logged on and off in the twelve hours before and the twelve hours after an accident, and shall disclose all coverages, exclusions, and limits.
RideClaim.co is not a law firm and does not provide legal advice.
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The certificate line is not a signed rejection.
The 2016 act borrows uninsured coverage from section 66-5-301. The 2026 certificates do not print an uninsured amount. A free review can match the app record to the policy that was in force.