By ALLEN MCQUISTON
Jemez Insurance Agency
Serving Los Alamos Since 1963
After a car accident, most people assume there’s going to be a clear answer. Someone ran the red light. Someone rear-ended someone. Someone was texting. Someone wasn’t paying attention.
But when insurance gets involved, the question isn’t just what happened. It’s who can be proven responsible, and how much.
And that process is more structured—and more frustrating—than most people realize.
First, “fault” is not a feeling. It’s a legal decision. Insurance companies don’t decide fault based on who seems nicer, who’s








U.S. Sen. Martin Heinrich
Jessica Leija tears up a little as she talks about her son, Enrique Leija, who was murdered in 2021, during a Remembrance Memorial for Homicide Survivors hosted by New Mexico Crusaders for Justice in the Capitol Rotunda on Tuesday, Feb. 3, 2026. Leija was one of many who attended the memorial to speak of their deceased loved ones and try to persuade policymakers to pass tougher laws against violent offenders. Jim Weber/The New Mexican
Staff Report
By Merilee Dannemann