In Wyoming, drivers must carry bodily injury liability insurance, property damage insurance in order to legally drive, and uninsured and underinsured insurance. The purpose of obtaining these three forms of insurance is to keep the driver protected from damages that may occur from an accident that the insured driver caused. Wyoming car insurance companies consider several different factors when determining the rates their insured drivers will have to pay. Some of these include the type of vehicle the driver is having insured, the age of the driver, and the person’s driving record.
The minimum liability coverage for Wyoming drivers is 25/50/20. This means the minimum coverage an Wyoming driver is required to carry for each person injured from the accident is $25,000. With personal injury insurance, a Wyoming driver is also required to carry $50,000 in coverage for any injuries the driver causes in an accident. Wyoming drivers also must carry $20,000 in order to cover the cost of property that is damaged from an accident that was the fault of the insured driver.
Wyoming drivers are free to carry additional insurance coverage on top of what is required of them, though carrying additional coverage is optional. Some of the different types of optional coverage a Wyoming driver may choose to carry include collision insurance, comprehensive insurance, coverage for medical payments, and additional insurance to cover the underinsured or the uninsured.
Bodily Injury Liability, or simply BI for short, must provide $50,000 of coverage per accident and $25,000 of coverage per person. This type of liability insurance protects the driver in the event that he or she has caused the accident. Bodily Injury Liability covers several different things, these include accidental death or injury of any other driver, accidental injury or death of any passengers that may have been involved in the accident, and accidental injury or death to any pedestrians.
Wyoming law also mandates that all drivers carry $20,000 in Property Damage insurance, which is referred to as PD for short. With Property Damage insurance in place, the insured driver is protected when he or she is at fault for an accident that results in damage to another person’s property. With Property Damage insurance, the expenses involved with repairing or replacing another driver’s vehicle is paid. The same is true of the expenses associated with any additional property that may have been damaged.
In order for a driver in Wyoming to register his or her vehicle, he or she must be able to produce poof of insurance. Drivers can show that they have insurance with a temporary insurance card that was issued by the insurer. Furthermore, Wyoming drivers can demonstrate proof of insurance by showing the receipt they received when paying the premium payment. Another option is to present an insurance binder that has been issued by the insurance agent. A driver in Wyoming may also use his or her current declarations page of liability insurance in order to prove that coverage is in place.
Wyoming drivers can demonstrate proof of insurance by using their actual car insurence policy as well, or another option is to use the certificate of liability insurance policy. If a driver in Wyoming has purchased a vehicle within the past 60 days, he or she can demonstrate coverage by showing that the vehicle that was replaced had adequate insurance coverage. Wyoming drivers that rent a vehicle must also be able to show that coverage is in place for the car being rented.