Wyoming Auto Insurance Quotes and
Coverage Guide
Wyoming Motor Vehicle Insurance
Questions & AnswersQ: Is auto insurance mandatory?
A: Yes. Even though Wyoming has fewer people than
any other state in the Union, somehow they still
manage run into each other with their vehicles – and
some of them are driving uninsured. Wyoming’s
mandatory auto liability insurance law is an effort
to keep some of these drugstore cowboys off the
roads and back on their hobbyhorses by requiring
that anyone driving a motor vehicle must satisfy the
state’s financial responsibility limits.
Q: Is Wyoming a "tort" state?
A: Yes. In traditional tort liability states, there
are no restrictions on lawsuits. This means the
other driver can sue your dandy, dude-ranch rear
right off for pain and suffering, as well as
out-of-pocket medical expenses you caused when you
came barreling down the highway in your Geo wearing
your ten-gallon hat and ran him off the road.
Q: What type of insurance is required to purchase
and maintain a Wyoming tag and registration?
A: Wyoming requires liability insurance coverage of
$25,000 for bodily injury or death of one person in
any one accident and, subject to the limit for one
person, $50,000 for bodily injury or death of two or
more persons in any one accident, and $20,000 for
damage or destruction of the property of others when
you forget again that you’re NOT Buffalo Bill.
Q: Can I maintain my current policy issued in my
previous state of residence?
A: No. If your vehicle is registered in Wyoming,
then you must have an insurance policy that is
issued through an insurance company licensed to sell
in Wyoming. Think: W-y-o-m-i-n-g. Where you live
now. Remember?
Q: What if I fail to keep insurance on my vehicle
that I’ve registered in Wyoming?
A: A law enforcement officer has the right to
request proof of insurance at any time. You do not
have to be involved in an accident to be requested
to provide proof of insurance. He may just not like
the way you look, especially in that ridiculous hat.
If you cannot show written proof of financial
responsibility, you have seven (7) days to produce
such proof. Any person who is convicted of violating
this mandate may be fined not more than seven
hundred fifty dollars ($750), imprisoned for not
more than six (6) months, or both.
Q: I am having problems finding a company to insure
me. What should I do?
A: The Wyoming Automobile Insurance Plan (sometimes
called “assigned risk”) assures the availability of
coverage for everyone, even drugstore cowboys with
really stupid hats. Under this plan, companies write
policies for persons not insurable through the
regular channels. The qualifications for the plan
are:
-- evidence that you have been declined or refused
through the regular channels
-- full and honest disclosure on the application
-- a current driver’s license
-- payment of premium
-- satisfactory arrangements for payments owed on
any previous auto insurance.
-- a sworn affidavit you’ll get psychiatric
treatment for that Buffalo Bill fixation
For more information, any agent licensed to sell
automobile insurance can assist you in preparation
of the necessary application forms and advise you of
the program.
Q: My company has canceled or refused to renew my
automobile insurance policy. Is this legal?
A: When a company refuses to renew a private
passenger auto insurance policy, it must notify you
at least 30 days before your policy expires. In the
case of nonpayment of premium, at least 10 days
notice must be given – unless your agent actually
saw you wearing that hat.
The company may cancel your auto insurance for any
reason within the first 60 days of coverage. Once
your policy has been in effect for more than 60
days, it can only be canceled for the following
reasons:
-- Nonpayment of premium
-- Suspension of license or registration
-- Fraud on the part of the applicant in filling out
the application
-- For any reason determined appropriate by the
Insurance Commissioner (like refusing to get help
for the Buffalo Bill problem) after a hearing
thereon within 15 days after notice to the
policyholder
No insurer shall exercise its right to cancel a
policy (get rid of nuts like you) unless a written
notice of cancellation is mailed or delivered to the
last known address of the policyholder at least 20
days prior to the effective date of cancellation,
except that when cancellation is for nonpayment of
premium, the notice shall then be mailed or
delivered to the policyholder at the address shown
in the policy at least 10 days prior to the
effective date of cancellation.
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