Does Wyoming allow UM/UIM stacking?

The statutes we read do not mention stacking. They require uninsured motorist coverage unless the named insured rejects it (W.S. 31-10-101), and we found no statute on underinsured coverage. We did not read Wyoming court decisions on stacking, so check your policy and ask an attorney.

Is UM or UIM required in Wyoming?

Uninsured motorist coverage must be provided in the statutory limits unless the named insured rejects it (W.S. 31-10-101). We found no statute requiring underinsured coverage.

What counts as an uninsured vehicle in Wyoming?

An uninsured motor vehicle includes an insured vehicle whose liability insurer cannot pay because of insolvency (W.S. 31-10-102), subject to the policy's terms; the insolvency protection applies only to accidents during the policy period (31-10-103).

What if I was partly at fault?

Your damages are reduced in proportion to your fault, and you are barred if your fault is more than 50 percent of the total fault of all actors (W.S. 1-1-109(b)).

How long do I have to sue?

Four years for injury to the person (W.S. 1-3-105(a)(iv)(C)). A minor may sue within 3 years after turning 18 or within the ordinary period, whichever is greater (W.S. 1-3-114).

Wyoming UM/UIM Stacking Calculator

Wyoming requires uninsured motorist coverage unless the named insured rejects it, has no underinsured or stacking statute that we found, and bars recovery only if your fault is more than 50 percent. Enter your limits, damages and the other driver's payment to see the results.

Cited to W.S. 31-10-101 to 31-10-104 and 1-1-109 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your UM/UIM benefits

Enter your policy limits, your damages and what the other driver's coverage paid.

UM/UIM limit per person on the policy covering the vehicle you were in

UM/UIM limit per person on another vehicle or policy under which you are also insured (enter 0 if none)

Do you have the coverage that applies? (for an uninsured driver: UM not rejected; for an underinsured driver: UIM in your policy)

Do the limits add?

Your total damages (medical bills, lost income, pain and suffering)

Who caused the accident?

Liability limit per person carried by the at-fault driver (underinsured claims only)

Amount the at-fault driver's liability insurer actually paid you (underinsured claims only)

How does your policy apply the other driver's coverage?

Your own percentage of fault, if any (0 if none; more than 50 bars the claim)

Estimated result

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Wyoming requires uninsured motorist coverage unless rejected, has no underinsured or stacking statute that we found, and bars fault above 50 percent

Wyoming's rules are in W.S. 31-10-101 to 31-10-104 (UM and subrogation). Fault is in W.S. 1-1-109 and the deadline in 1-3-105.

Read how stacked and single-limit coverage differ in Wyoming, check what chapter 31-10 says and leaves open, or see how Wyoming UM and UIM work.

Injured in Wyoming?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a Wyoming attorney

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Wyoming statutes. Confirm how these rules apply to your specific case with a licensed Wyoming attorney.

Wyoming UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Wyoming requires uninsured motorist coverage unless rejected, has no underinsured or stacking statute that we found, and bars fault above 50 percent

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