All Roll Calls
Yes: 106 • No: 0
New MexicoHB 992025 Regular SessionHouse
NONREPAIRABLE VEHICLE CERTIFICATES
Sponsored By: Janelle Anyanonu (Democratic)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 0 benefits, 2 costs, 2 mixed.
Owners face nonrepairable car certificate rules
These ownership rules cover privately owned passenger vehicles; a nonrepairable certificate bars highway title and registration in New Mexico. Insurers must notify the state and owners when owners keep nonrepairable vehicles after total-loss settlements. Those owners must submit signed ownership documents and the required fee within 20 days after settlement. Without an insurance settlement, owners must submit documents and the fee within 20 days after the loss. Sellers must obtain a signed nonrepairable certificate before selling and deliver it within 20 days after full payment. The state accepts that certificate as ownership evidence with the required application, documents, and fees.
Insurers must mark nonrepairable car titles
Insurers taking nonrepairable vehicles after total-loss settlements must mark the title or manufacturer's certificate of origin “NONREPAIRABLE.” The lettering must be at least one-half inch high and placed at a 45-degree angle. Within 20 days after receiving title free of liens, insurers must submit the marked document and explain the marking. They must also provide signed ownership evidence and the required fee so the state can issue a nonrepairable certificate.
Faster title deadlines but easier signing
Owners or applicable lienholders must send insurers a signed title within 15 days after receiving total-loss settlement funds. Documents transferring vehicle ownership to the insurer for that settlement can be signed electronically. Those transfer documents do not need notarization.
Insurers gain title workaround with liability
Insurers can seek salvage or nonrepairable certificates in their names when acceptable signed ownership documents are unavailable. They must possess the vehicle, pay applicable towing and storage charges, and wait at least 30 days after claim payment. They must notify all owners and lienholders and make two unsuccessful title requests at least 10 days apart. Applications require certified-mail proof of delivery or refusal, claim-payment evidence, required confirmations and indemnity paperwork, and the fee. Insurers must defend the state and cover claims arising from certificate issuance; the law sets no dollar limit.
Sponsors & Cosponsors
Sponsor
Janelle Anyanonu
Democratic • House
Cosponsors
Cynthia Borrego
Democratic • House
Roll Call Votes
Senate vote • 3/20/2025
Final Senate Vote
Yes: 41 • No: 0
House vote • 3/1/2025
Final House Vote
Yes: 65 • No: 0
Actions Timeline
Signed by Governor - Chapter 27 - Apr. 7
4/7/2025SenatePassed in the Senate - Y:41 N:0
3/20/2025SenateSJC: Reported by committee with Do Pass recommendation
3/17/2025SenateSTBTC: Reported by committee with Do Pass recommendation
3/14/2025SenateSent to STBTC - Referrals: STBTC/SJC
3/1/2025SenatePassed in the House of Representatives - Y:65 N:0
3/1/2025HouseHCEDC: Reported by committee with Do Pass recommendation
2/26/2025HouseHTPWC: Reported by committee with Do Pass recommendation with amendment(s)
2/19/2025HouseSent to HTPWC - Referrals: HTPWC/HCEDC
1/23/2025SenateSent to HPREF - Referrals: HPREF
Senate
Bill Text
Final Version
4/8/2025
SJC Committee Report 3/17/25
3/17/2025
STBTC Committee Report 3/14/25
3/14/2025
HCEDC Committee Report 2/26/25
2/26/2025
HTPWC Committee Report 2/19/25
2/19/2025
Introduced
1/15/2025