Nationwide $2.65M New Mexico UM/UIM Class Action Settlement, Claim Up to $25,000 Before March 30, 2026
If you had a Nationwide auto insurance policy in New Mexico with uninsured or underinsured motorist coverage between 2010 and 2022 — or had a UIM claim that was reduced — you could be owed up to $25,000. The deadline to file is March 30, 2026.
What Is the Nationwide $2.65M New Mexico UM/UIM Class Action Settlement?
Consumers who purchased a New Mexico automobile insurance policy with uninsured/underinsured motorist coverage from Nationwide Mutual Insurance Co. or related companies between October 1, 2010, and March 31, 2022, or who submitted an underinsured motorist claim during that period that Nationwide reduced by the amount the at-fault driver’s insurer paid, may be eligible to claim up to $25,000 or receive a partial premium refund.
The plaintiffs claimed breach of contract, negligence, unjust enrichment, bad faith, and violations of New Mexico’s Unfair Trade Practices Act. Nationwide denied any wrongdoing but agreed to settle to avoid further litigation.
The case is formally titled Patricia Lucero v. Nationwide Mutual Insurance Co., et al.
What Did Nationwide Do Wrong?
The class action lawsuit alleged Nationwide and related companies failed to properly inform New Mexico policyholders that it would reduce underinsured motorist claims by the amount the at-fault driver’s insurer paid.
Under New Mexico law, insurers are required to clearly disclose when and how UIM benefits will be offset. Nationwide’s failure to do so is the core of this lawsuit.
Who Qualifies?
The settlement covers two groups of New Mexico policyholders:
Offset Subclass — You qualify if:
✅ You had a Nationwide auto policy in New Mexico with UIM coverage between October 1, 2010, and March 31, 2022 ✅ You submitted a UIM claim that Nationwide reduced by the amount paid by the at-fault driver’s insurer
Other Settlement Class Members — You qualify if:
✅ You purchased a New Mexico auto policy from Nationwide (or related companies) that included UM/UIM coverage between October 1, 2010, and March 31, 2022
How Much Can You Receive?
Offset Subclass (Up to $25,000)
Offset subclass members are eligible for a payment of $25,000. The total amount available for these payments is capped at $890,000. If the total value of valid claims exceeds this amount, the settlement administrator will reduce each payment proportionally.
Other Settlement Class Members — Premium Refund
Other settlement class members are eligible for an automatic partial refund of premiums paid. The amount of the refund depends on the total UM/UIM premiums all eligible class members paid and the amount remaining in the settlement fund after offset subclass payments, attorneys’ fees, service awards, and administration costs.
Official Settlement Website and How to File
🌐 Official Settlement Website: LuceroUIMSettlement.com
📅 Claim Deadline: March 30, 2026
Offset subclass members can file a claim online or download and print the PDF claim form, fill it out, and mail it to the settlement administrator.
Other settlement class members receive an automatic premium refund — no claim form needed.
Settlement Administrator Contact
Patricia Lucero v. Nationwide Mutual Insurance Co., et al. c/o Settlement Administrator P.O. Box 5358 Portland, OR 97208-5358 📞 1-877-269-4987 📧 [email protected] 🌐 LuceroUIMSettlement.com
Key Dates
| Event | Date |
| Policy/claim coverage period | Oct. 1, 2010 – Mar. 31, 2022 |
| Opt-out / objection deadline | Feb. 28, 2026 |
| Claim filing deadline | March 30, 2026 |
What Happens If You Do Nothing?
If you are in the offset subclass and do nothing, you forfeit your payment of up to $25,000 and release your right to sue Nationwide separately for the same conduct.
If you are in the other settlement class, your partial premium refund is automatic — no action is required to receive it.
Are Other New Mexico Insurers Facing Similar Lawsuits?
Yes. The Nationwide $2.65M New Mexico UM/UIM class action settlement is part of a broader wave of litigation targeting how New Mexico insurers handled UIM offset practices during the same 2010–2022 period.
Loya Insurance agreed to pay $1.95 million to resolve claims it misrepresented the value of underinsured motorist coverage and applied an offset to claims. The settlement benefits Young America Insurance Co. and Loya Insurance Co. policyholders who resided in New Mexico and purchased UM/UIM coverage between October 1, 2010, and February 28, 2022, including those who later filed underinsured motorist claims and had benefits reduced or denied due to undisclosed third-party insurance offsets.
If you held UM/UIM policies with multiple New Mexico insurers during this period, you may qualify for more than one settlement simultaneously.
Frequently Asked Questions
Do I need to file a claim to get a refund?
Only offset subclass members need to file. Other class members receive an automatic partial premium refund.
What if I didn’t receive a settlement notice?
Contact the settlement administrator at 1-877-269-4987 or [email protected] with your full name and mailing address.
What is a UIM offset?
A UIM offset is when your insurer reduces what it pays you on an underinsured motorist claim by the amount you already received from the at-fault driver’s insurance. New Mexico law requires this practice to be clearly disclosed — and the lawsuit alleged Nationwide did not do that.
When will payments be issued?
The settlement administrator will issue payments after the court grants final approval of the settlement.
Don’t Miss the March 30, 2026 Deadline
The Nationwide $2.65M New Mexico UM/UIM class action settlement could put up to $25,000 in your pocket if your claim was offset — but you must file at LuceroUIMSettlement.com before March 30, 2026. If you’re an other class member, watch your mailbox for an automatic refund check.
For more open insurance and class action settlements with current deadlines, read our guide to the Progressive Lawsuit — $1.76M Stacked Coverage Settlement at allaboutlawyer.com.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Always refer to the official settlement website LuceroUIMSettlement.com for the most current deadlines and eligibility information.
About the Author
Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
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