In Texas, they would immediately size up whether they can block your claim if they say you were mostly at fault. In New Mexico, the insurance company will still try to pin this on you - they'll just do it differently.

They will tell you to use Medicare, send your bills there, give a recorded statement, and take a quick check because "the driver only has minimum coverage." They may also hint you were outside the crosswalk, stepped out too fast, or "came from between parked cars" near the school-zone mess.

What is actually true: Medicare paying first does not let the insurer off the hook. Medicare can demand reimbursement from a settlement. If you grab a fast payout without knowing the full injuries, that money can disappear into medical bills fast.

Do these things now:

• Call 911 if anyone was hit, even if the driver says everyone looks okay.
• Make sure APD comes out and a crash report is made.
• Get the driver's name, plate, insurer, and policy number.
• Photograph the stroller, bus stop sign, crosswalk, school-zone signs, skid marks, and the vehicle.
• Get names and numbers for parents, bus-stop witnesses, and the school crossing guard if there was one.
• Do not give the insurer a recorded statement tonight.

New Mexico drivers only have to carry 25/50/10 coverage - $25,000 per injured person, $50,000 total per crash, and just $10,000 for property damage. That is brutally low if a child, grandparent, and stroller were all involved.

Also check your own auto policy for MedPay and uninsured/underinsured motorist coverage. In New Mexico, that coverage often matters because minimum limits get wiped out fast.

If the child or you were hurt, get seen right away. "I felt okay at first" is how insurers start chopping claims down the next morning.