N.M. Stat. § 59A-32-20
Rental car companies; insurance coverage.
Any rental car company offering for sale insurance coverage or collision damage
waivers shall state clearly on the front page of the rental contract that the purchaser of
the insurance coverage or collision damage waiver offered may be covered for such
claims on his personal motor vehicle insurance policy and that if such insurance
coverage exists under the renter's personal insurance policy, and the coverage is
confirmed, the renter may require that the rental car company must submit any claims to
the renter's personal insurance carrier as the renter's agent. The rental car company
shall not make any written or oral representations that it will not present claims or
negotiate with the renter's insurance carrier. For purposes of this section, confirmation
of coverage includes telephone confirmation from an insurance company
representative.