Wyoming · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Wyoming: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

Driving without insurance is a misdemeanor: up to 6 months in jail and/or a fine of $500 to $1,500; for a second offense the judge requires you to hand in your registration and plates (Wyo. Stat. § 31-4-103). Uninsured motorist coverage must be included in the policy unless you reject it.

Uninsured motorist (UM) coverage
Included unless you reject it
Minimum liability
25/50/20
Insurance system
Fault (tort)

Uninsured motorist coverage in Wyoming

Uninsured / underinsured motorist (UM/UIM)
Uninsured motorist coverage must be included in the policy unless you reject it.
Liability minimum
25/50/20
Official text
Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Wyoming

  • If the other driver has no insurance, your uninsured motorist coverage (unless you rejected it) can pay for your injuries.

Penalties for driving uninsured in Wyoming

  • Driving without insurance is a misdemeanor: up to 6 months in jail and/or a fine of $500 to $1,500; for a second offense the judge requires you to hand in your registration and plates (Wyo. Stat. § 31-4-103).

How fast an insurer must handle a claim in Wyoming

  • Wyo. Stat. § 26-15-124(b): claims for benefits under a property or casualty insurance policy must be accepted or rejected and paid within 45 days after the insurer receives the claim and supporting bills.
  • If a court finds an insurer's refusal to pay a covered loss unreasonable, it may award attorney's fees and 10% yearly interest (§ 26-15-124(c)).
  • Unfair claims practices are listed in § 26-13-124.

Claiming from the uninsured driver in Wyoming

Small claims limit for car damage in Wyoming: $6,000 (Circuit Court small claims). Wyoming small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Wyoming

  1. Report the crash to the police. Call police right away (city police inside a city; otherwise the Highway Patrol or county sheriff) if anyone is hurt or killed or a vehicle is too damaged to drive normally and safely. Reporting a crash in Wyoming and getting the police report
  2. Write down the other car's plate and get witness names.
  3. Claim under your uninsured motorist coverage; in Wyoming it is included unless you reject it.
  4. If your coverage doesn't pay everything, sue the driver before the deadline: 4 years for both property damage and injury. Deadlines to sue in Wyoming, with the calculator

Free help in Wyoming

Questions about uninsured drivers in Wyoming

Is uninsured motorist coverage required in Wyoming?

Uninsured motorist coverage must be included in the policy unless you reject it.

What happens if you drive without insurance in Wyoming?

Driving without insurance is a misdemeanor: up to 6 months in jail and/or a fine of $500 to $1,500; for a second offense the judge requires you to hand in your registration and plates (Wyo. Stat. § 31-4-103).

What can I do if an uninsured driver hits me in Wyoming?

If the other driver has no insurance, your uninsured motorist coverage (unless you rejected it) can pay for your injuries.

What is the minimum car insurance in Wyoming?

25/50/20

How long do I have to sue an uninsured driver in Wyoming?

4 years for property damage and 4 years for injury.

How fast must an insurer handle a car insurance claim in Wyoming?

Wyo. Stat. § 26-15-124(b): claims for benefits under a property or casualty insurance policy must be accepted or rejected and paid within 45 days after the insurer receives the claim and supporting bills. If a court finds an insurer's refusal to pay a covered loss unreasonable, it may award attorney's fees and 10% yearly interest (§ 26-15-124(c)).

More for Wyoming drivers

Nearby states

Sources

Last checked: Oct 24, 2026.