Does Wyoming Allow UM/UIM Stacking? What W.S. 31-10-101 to 31-10-104 Say

By the FigureMyTax Editorial Team · How we calculate

The Wyoming statutes we read neither allow nor ban stacking. Chapter 31-10 requires uninsured motorist coverage unless rejected, covers insolvent insurers and gives your insurer subrogation rights.

Required coverage

W.S. 31-10-101 says no liability policy on a vehicle registered or principally garaged in Wyoming may be delivered or issued unless uninsured motorist coverage is provided, in the limits of W.S. 31-9-102(a)(xi), for persons legally entitled to recover damages from uninsured owners or operators. The named insured may reject it, and after a rejection it need not be in a renewal from the same insurer unless the named insured asks for it in writing.

Insolvency

Section 31-10-102 treats an insured vehicle as uninsured if its liability insurer cannot pay within the policy limits because of insolvency, and 31-10-103 limits that protection to accidents during the policy period in which your coverage was in effect.

Subrogation

Under section 31-10-104, an insurer that pays under the coverage is entitled to the proceeds of any settlement or judgment from the person legally responsible, including proceeds from the insolvent insurer's assets; it has no recourse against the insolvent insurer's insured.

What it leaves open

The chapter says nothing about underinsured coverage, adding limits or how the other driver's payment is applied. We did not read court decisions on those questions; ask an attorney.

How to use this

Compare the results in the Wyoming UM/UIM stacking calculator, start with the plain-English stacked versus single-limit explainer, and read how Wyoming UM and UIM work.

This is general information, not legal advice, and the state comparisons above are illustrative, not an exhaustive survey. Confirm how Wyoming's rules apply to your specific case with a licensed Wyoming attorney.