Wyoming Car Insurance
Many people think of Wyoming as an "outback" state, where you might have an off-road adventure. But Wyoming is fairly traditional in its legal requirements for drivers, and in how it holds drivers responsible in the event of an automobile accident. That's why it's it's vital for Wyoming drivers to know the law of the land - and to find the best auto insurance possible.
In Wyoming, the law is fault-based: Whomever was responsible for causing the accident is also responsible financially. If you're in Wyoming and you suffer injury or damage during an auto accident, there are several options available to you:
- File a claim with your auto insurance company
- File a third-party claim
- File a personal injury lawsuit, if you were not the driver at fault
Car Insurance Requirements in Wyoming
When driving in Wyoming, your car must be insured with a liability policy. Here are the minimum amounts of coverage required in this state:
- $25,000 liability coverage: This is for bodily injury or death of only one person, if the driver of the insured vehicle is responsible for the accident
- $50,000 liability coverage: This covers bodily injury or death liability if the driver of the insured vehicle is responsible for the accident
- $20,000 liability coverage for property damage
Liability coverage is also useful in case it is another family member driving your vehicle, or if the accident happens while you are driving a rental car. It does not include your own injuries in an accident in the state of Wyoming. For this, you will need a different type of coverage.
What should drivers in Wyoming consider when applying for auto insurance?
Road trips in Wyoming can be lots of fun. With wide, open roads, plenty of nature, and miles to cruise, there's no end to adventure. Remember that Wyoming is fairly rural. It is the country's least populated state, and so public transportation options are quite limited.
Drivers should also foresee challenging weather. If going for long drives, always be equipped with safety measures - this includes the best auto insurance policy on you can find.
Folks in Wyoming drive a lot. The U.S. Department of Transportation Federal Highway Administration tell us that Wyoming residents drive more than residents of any other state. On average, they cover 21,821 miles in a year.
Many of Wyoming's accidents happen as a result of rural crashes. Most of the population of Wyoming live in areas that are not heavily populated. Driving out to these places means you must take extra precaution to be legally secured, in case of an accident. Unpredictable weather conditions in these rural areas can also pose problems for drivers.
What happens if you drive uninsured in Wyoming?
The laws governing auto insurance in Wyoming are quite strict: The Wyoming Statutes section 31-4-103, states that any vehicle owner who drives (or permits to be driven) an uninsured vehicle may be convicted of a misdemeanor punishable by:
- Imprisonment for no more than six months
- A fine of $500 to $1,500.00, or
- Both imprisonment and fine.
In the case of a second violation, you risk losing your license, on of top of other serious financial consequences.
Proper auto insurance is essential in every state, but it's especially important to have in Wyoming. Though not required, here are some additional auto insurance policies you can apply for when driving in Wyoming, or if you are a resident here:
- Uninsured Motorist: This will cover your medical expenses if you get into an automobile accident, where the other driver is at fault but is not covered by any type of auto insurance.
- Underinsured Motorist: This type will cover your medical expenses if you're in an accident, and the other driver who is at fault does not have liability insurance.
- Medical or Life Insurance: If you have this type of insurance, then at least you will be able to cover your medical expenses, or - in the worst case scenario - care for your family should you pass away. Some policies extend to the other passengers in the vehicle accident.
- Collision Insurance: This type of insurance helps to pay for financial expenses your vehicle may require after being damaged in an accident.
- Comprehensive Insurance: In the event of damages caused by natural forces, bad weather, or vandalism, where you are not at fault, this is a basic type of insurance policy plan you can avail of to cover some financial losses.
You can find many car insurance companies and legal attorneys online. But if possible, you might want to do business with a local, Wyoming-based insurance company.
How do you find the best auto insurance?
If you're trying to find the perfect insurance policy, the most important step is to do some basic shopping, review your options, and make an informed choice. Start by comparing insurance policies online, and looking for one that meets your needs.
Penalties for not having auto insurance are also high and vary from state to state. If you're not convinced yet, read this article on penalties so that you can be fully informed. With a solid insurance policy, you can hit the roads of Wyoming with a clean conscience.