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Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (25/50/20) tells you how much your wyoming auto insurance will cover for property
damage in any one accident.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. UIM coverage is not required under Wyoming auto insurance law. Wyoming auto insurance companies are required to notify you of its availability. The minimum limits of UIM coverage, if accepted after notification, are $50,000 per person and $100,000 per accident.
As the years go by, wyoming auto insurance rates change, you might be paying more wyoming auto insurance premium than you need to. Just one year earlier, the average wyoming auto insurance premium in 2002 was about $744, that's an increase of about 6.99% in just one year!
With average wyoming auto insurance premium at around $796 in 2003, and the national average at around $914, most Wyomingites incorrectly assume that they have no choice but to accept these wyoming auto insurance rates fixed by wyoming car insurance companies and state regulatory agencies. We know there are cheap wyoming auto insurance rates available for you, and we will help you find the cheapest wyoming auto insurance quotes.
Wyoming has a financial responsibility law. It requires that anyone
driving a motor vehicle must satisfy the state's financial responsibility limits.
Under the financial responsibility law, 'liability policy' means an owner's
or operator's policy of liability insurance is certified as proof of financial
responsibility and issued by an wyoming auto insurance carrier authorized to conduct business
in the state of Wyoming. Wyoming is not a no-fault state.
When calculating your wyoming automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your wyoming auto insurance rate. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your wyoming auto insurance rate as well as the driving record of any family members covered
under your wyoming auto insurance policy.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. It does however apply in an accident for
which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Wyoming requires a minimum of 25/50/20 liability coverage.
You may also purchase a bond in the same amounts as the regular insurance. The first number is the amount that wyoming auto insurance will cover for any one person ($25,000). The second number is the total amount wyoming auto insurance will pay for
all persons injured in an accident ($50,000).
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