Q: Someone barrows your car they wreck into a building are you responsible for paying damages
A: It would be best if a New Mexico attorney advised here, but you await an answer for two weeks, and there are certain things you need to do without delay. In most jurisdictions, the owner, as well as the operator, can be sued. Hopefully, your insurance will cover the loss. From the serious damage you describe, if you haven't already, it would be a good idea to place your carrier on notice. Failing to do so could result in their denial of a claim they might have otherwise considered had they had the opportunity to investigate the loss in a timely manner. Good luck
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