Uninsured vs. Underinsured Motorist Coverage in Wyoming

By the FigureMyTax Editorial Team · How we calculate

Wyoming requires uninsured motorist coverage unless you reject it, and we found no statute requiring underinsured coverage. You are barred if your fault is more than 50 percent, and you generally have four years to sue.

Uninsured

W.S. 31-10-101 and 31-10-102 require the coverage in the statutory limits unless the named insured rejects it, and treat a vehicle as uninsured if its insurer is insolvent.

Underinsured

We found no Wyoming statute that requires or defines underinsured coverage, so whether and how it pays depends on your policy. The calculator shows two readings: your limit on top of what the other driver paid, or your limit reduced by the other driver's limits. With $100,000, $25,000 paid and $250,000 of damages, they give $100,000 and $75,000.

Fault

Contributory fault does not bar recovery if it is not more than 50 percent of the total fault of all actors, and damages are diminished in proportion (W.S. 1-1-109(b)). Wyoming has no no-fault threshold for pain and suffering.

Deadlines

Injury to the rights of the plaintiff, such as personal injury, must be sued on within four years (W.S. 1-3-105(a)(iv)(C)). A minor may sue within three years after turning 18 or within the ordinary period, whichever is greater (1-3-114).

Next steps

Stacking is a separate question; see our statute post and the explainer, then use the Wyoming UM/UIM stacking calculator.

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.