This article [N.M. Stat. Ann. Chapter 59A, Article 26] applies as to certain contracts of casualty insurance, as identified in the respective sections of this article, other than mortgage guaranty insurance contracts, motor vehicle insurance contracts and employer’s liability or workmen’s compensation insurance contracts, which such excepted contracts are respectively covered under a separate subsequent article of the Insurance Code. All such casualty contracts shall also be subject to applicable provisions of Article 18 [N.M. Stat. Ann. Chapter 59A, Article 18] (the insurance contract) of the Insurance Code.