Wyoming is not a no-fault state for car insurance coverage. As a tort state, a person who has been injured in a car accident has the right to sue the at-fault driver for the cost of medical bills and lost wages.
When a law suit is started, the at-fault driver’s insurance company will pay out up to the policy limit selected by the customer. Any damages owing above this amount must be paid by the insured personally. It’s important for Wyoming residents to consider the level of coverage they need very carefully to make sure it is enough to pay out on a large claim made by an injured person.
A determination of being responsible for a car accident can have consequences when the insurance policy is up for renewal. The at-fault driver will more than likely be looking at higher rates after the fact.
Since each car insurance company in Wyoming uses its own criteria for setting rates, it may be possible to get a better deal on coverage by getting quotes from other providers. It doesn’t take a lot of time to get pricing information if a customer goes online. At the very least, they will find out whether they are getting the best possible pricing for their situation before agreeing to renew the policy on the terms set by the car insurance company.