What action must a New Mexico driver take if they do not have property damage liability coverage?

In New Mexico, it is mandatory for drivers to carry property damage liability coverage as part of their auto insurance policy. If a driver does not have this coverage, it means they are not fulfilling the legal requirement to have insurance while operating a vehicle. Driving without the necessary liability insurance is considered illegal and can lead to severe penalties, including fines and a suspension of driving privileges. This is intended to protect both the driver and other road users in the event of an accident where property damage occurs.

While some options may suggest alternatives or penalties, the fundamental rule is that without the required insurance, a driver is not legally allowed to drive, highlighting the importance of maintaining proper coverage at all times.