Wyoming Auto Insurance
Wyoming has rugged and treacherous mountain roads. The interstate 80 passes through this narrow mountainous terrain. These roads can be hazardous and for this reason, Wyoming auto insurance is much needed. Though the state of Wyoming did decrease their Wyoming auto insurance rates in 2007, Wyoming still remains above the national average for the country. However, an individual’s car insurance will be based upon his or her own particulars and therefore may be higher or lower than the national average of $1896.
Wyoming Auto Insurance Requirements
Wyoming requires that its motorists carry Bodily Injury and Property liability insurance, in the event that they become the at fault driver in an accident. The minimum amount of insurance required by law for Wyoming auto insurance carriers is set at 25/50/20. The basic coverage breaks down as follows:
- Bodily Injury Liability – the minimum amount required by law would provide a maximum coverage of $25,000 for injuries sustained to an individual in the vehicles involved in the accident and is set at $25,000.
- A total of $50,000 would be paid out for the medical expenses incurred for all people that were injured as a result of the accident.
- Property Damage Liability – The minimum Property Damage Liability is set at $20,000 to pay for damages sustained to the other car as well as damages to public and private property as a result of an accident that the insured had caused.
Wyoming recommends that even though there are basic Wyoming auto insurance requirements for their motorists, they should carry greater than the basic liability insurance to protect them against the ever-increasing medical expenses and car repair costs.
Wyoming also recommends that its insured carry Comprehensive and Collision coverage to make available funds for their vehicle should they be the one that was deemed to be at fault for the accident, or if damages to their vehicle was caused due to natural causes such as tree damage or violent storms, or if the vehicle was damaged as a result of contact with wildlife.
Wyoming recommends that it motorists carry Uninsured/Underinsured Motorist Protection to insure against drivers who fail to carry the state requirements for liability insurance or they do not have sufficient insurance to pay for medical expenses and damages to the victim’s car when they were deemed to be at fault. The motorists that carries Wyoming auto insurance for UM protection will also be covered for damages to their vehicle in case they have been hit by a hit and run driver.
