Wyoming Car Insurance: The EZ Guide to Basic Car Insurance Requirements

For a complete listing of guidelines pertaining to state insurance requirements all Wyoming residents should contact the State of Wyoming Insurance Department in Cheyenne at 1-800-438-5768 or view their website at http://insurance.state.wy.us/; however, the basic premise behind purchasing auto insurance is very simple

Wyoming requires that all of its residents purchase a minimum liability policy, although with the rising costs of healthcare and auto repair all drivers are advised to purchase more than the minimum requirement.

Liability minimums in WY are:

• Twenty five thousand dollars for injuries suffered by a single occupant of a vehicle
• Fifty thousand dollars for the combined medical expenses of all of the vehicle’s occupants
• Twenty thousand dollars to pay for repairs to any property damage caused by the accident, including those damages suffered by the victim’s vehicle

Liability covers only those costs associated with the other party involved in an accident for which the insured is responsible; it does not pay for any of the repairs that may be necessary for the vehicle of the insured. For this reason it is recommended that all drivers carry comprehensive insurance; if a car is currently under lien it will probably be a requirement. Comprehensive coverage will pay for any necessary repairs to the vehicle following either an accident with another vehicle that was caused by the insured or an accident over which the insured had no control, such as those associated with inclement weather conditions or the local wildlife.

In light of the fact that not every state in the US requires its drivers to purchase a basic liability policy it is also suggested that every driver should purchase uninsured motorist coverage on their vehicle. WY Uninsured motorist coverage will pay for damages resulting from either an accident involving an uninsured individual or a hit and run.