Yes - usually, especially in New Mexico, because fault can be split and you can pursue more than one source of recovery. If a crash near Las Vegas, New Mexico involved a work truck, grain hauler, RV, or multiple vehicles on I-25, one insurer blaming another does not mean there is no case. New Mexico follows pure comparative fault, and under NMSA 1978, § 41-3A-1, defendants are usually liable only for their own percentage of fault. That makes it more important, not less, to identify every responsible driver, employer, and vehicle owner. It is often worth filing when injuries are significant, because New Mexico's minimum liability limits are only 25/50/10 - $25,000 per person, $50,000 per crash, and just $10,000 for property damage - and one policy is often not enough in a pileup or commercial-vehicle crash.

Here is why the math matters. If Driver A is 60% at fault and a company truck is 40% at fault, each carrier may try to force the other to pay first. That is normal. In New Mexico, that fight does not cancel your claim; it just affects allocation.

If you were driving for work when it happened, your employer telling you to "use your own insurance" instead of workers' compensation is a red flag. A work-related crash can create both a workers' comp claim and a third-party injury claim against other drivers or companies. Notice to the employer should be given within 15 days, and a workers' comp claim generally must be filed within 1 year with the New Mexico Workers' Compensation Administration.

Deadlines matter. A New Mexico personal injury lawsuit is generally 3 years from the crash. If a government vehicle or roadway entity is involved, notice can be due in 90 days under the Tort Claims Act, with a 2-year suit deadline.

Subrogation can reduce what you keep. A workers' comp carrier or health insurer may seek reimbursement from any settlement. That does not make the claim worthless; it means the net value has to be calculated before deciding whether the hassle is worth it.

In rural San Miguel County crashes during harvest season, that analysis often turns on whether there were multiple commercial policies, employer coverage, and uninsured/underinsured motorist coverage available.