Nearly every state, including New Mexico, has passed laws mandating employers carry workers' compensation insurance. The majority of employers, with the exception of very small businesses, fall under this umbrella. Under New Mexico law, employers with three or more employees must purchase workers' compensation insurance policies that kick in when a worker suffers an injury on the job.
Workers’ compensation systems are no-fault, which means that you won’t have to prove your employer was negligent to collect benefits. All that you must prove is that you suffered an injury or illness, and it directly related to your work duties. Even a car accident that occurred on company time may qualify for workers' compensation benefits.