No, you being cited should not affect the calculation of the actual cash value (ACV) by your insurance adjuster.

Being found at fault and cited may affect your driving record by the accident being listed there and also affect your insurance rates since the accident is on your record, along with the citation unless you get it thrown out in court, plus claims will also be made by you and the person you hit.

To determine ACV or fair market value, according to the New Mexico Insurance Division, in most cases the insurance company utilizes a vendor who specializes in determining the fair market value of a vehicle.

The NM Insurance Division lists that the fair market value is the normal price that your vehicle would sell for prior to the accident. You can research the fair price of your value by contacting dealers to determine what they would list the price of your vehicle. The insurance provider should compare your vehicle to others of the same year; type, condition and mileage in determine the fair market value.

If you are not sure of how your insurance company arrives at their amount you can contact them and ask they provide you with that information. If you are unable to obtain this information, you may contact our Consumer Relations Division of the NM Insurance Division for assistance.