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IN THE SUPREME COURT OF THE STATE OF NEW MEXICO Opinion Number: 2010-NMSC-051 Filing Date: October 18, 2010 Docket No. 32,063 ROSEMARY JORDAN, SCOTT JORDAN, TRACEY JORDAN, DONALD ROMERO, and THERESA ROMERO, Plaintiffs-Respondents, v. ALLSTATE INSURANCE COMPANY, Defendant-Petitioner. Consolidated with: Docket No. 32,065 DONALD ROMERO and THERESA ROMERO, Plaintiffs-Respondents, v. PROGRESSIVE NORTHWESTERN INSURANCE COMPANY, Defendant-Petitioner. Consolidated with: Docket No. 32,203 CONSUELO LUCERO, Plaintiff-Respondent, v.

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DAVID TRUJILLO, SAFECO INSURANCE COMPANY OF AMERICA, and PROGRESSIVE HALCYON INSURANCE COMPANY, Defendants-Petitioners. ORIGINAL PROCEEDINGS ON CERTIORARI Eugenio S. Mathis, James A. Hall, and Theodore C. Baca, District Judges Modrall, Sperling, Roehl, Harris & Sisk, P.A. Lisa Mann Jennifer A. Noya Albuquerque, NM for Petitioner Allstate Insurance Company Simone, Roberts & Weiss, P.A. Meena H. Allen Albuquerque, NM for Petitioner Progressive Northwestern Insurance Company Modrall, Sperling, Roehl, Harris & Sisk, P.A. Douglas G. Schneebeck Alex C. Walker Albuquerque, NM for Petitioner Progressive Halcyon Insurance Company Berardinelli Law Firm, L.L.C. David J. Berardinelli Santa Fe, NM O'Friel and Levy, P.C. Daniel J. O'Friel Pierre Levy Santa Fe, NM for Respondents Rosemary Jordan, Scott Jordan, Tracey Jordan, Donald Romero, and Theresa Romero Garcia & Vargas, L.L.C. Ray M. Vargas, II Santa Fe, NM

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Law Office of Geoffrey R. Romero Geoffrey R. Romero Albuquerque, NM Bach & Garcia, L.L.C. Matthew L. Garcia Albuquerque, NM for Respondent Consuelo Lucero OPINION DANIELS, Chief Justice. {1} The plaintiff insureds (Plaintiffs) in these three consolidated cases were issued uninsured/underinsured motorist (UM/UIM) coverage in amounts less than the liability coverage provided by their automobile insurance policies. See Progressive Nw. Ins. Co. v. Weed Warrior Servs., 2010-NMSC-050,

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New Mexico Law