In New Mexico, a driver who ignores "Road Closed" barricades and drives into a flooded arroyo requiring rescue may be:
Given a warning only.
New Mexico's law carries real financial consequences.
Billed for the actual cost of their rescue.
Required to take a free safety class.
The consequence is financial, not educational.
Awarded an insurance settlement.
Insurance generally excludes reckless flood driving.
New Mexico's "Stupid Motorist Law" (officially the "Foolishly Entering a Flooded Roadway" statute) allows emergency services to bill drivers for the cost of rescue operations when they bypass flood warning barricades. Rescue costs can exceed $10,000. The rule teaches the safety mantra: "Turn Around, Don't Drown."
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