Wyoming requires that you have your proof of insurance in your car at all times. Your insurance company should have made sure that you got an insurance card of some type when you purchased your policy. Keep this with your registration in your glove box. If you are pulled over by a police officer you will want to make sure that it is readily accessible day and night.
You will also need to show it if you have an accident. Whether or not you are at fault in the accident you will need to trade your information with the person or persons you are in the accident with.
In Wyoming you must have at the very minimum $25,000 in bodily injury insurance per person to cover medical and/or funeral expenses. This must extend out to $50,000 for all persons involved in the same accident for these same expenses. You also must have at least $20,000 to pay for the repair and/or replacement of any property damage that was caused by your vehicle.
In the event that you allow this to lapse you can be lapsed as much as $250 for your first offense, the second time it will double. It doesn’t stop there; you can also actual face jail time for driving your vehicle without the required car insurance. This is not something to be taken for granted. Severe violations of the car insurance requirements can land you in jail for as long as 6 months and you can end up having to pay fines as high as $750.
Remember, that the amounts above are only the minimum requirements. You will want to speak with your car insurance agent about higher limits to makes sure you are purchasing a policy that will actually do you some good in the event of a more severe accident. Also, ask about PIP and uninsured/underinsured motorist coverage. These two additional coverages can add a lot of peace of mind for a very small amount. The last thing you want to have to worry about when you have been in an accident is who is going to pay what and how.
Wyoming is full of mountains, mountains, and more mountains. Everyone remembers John Denver’s song Rocky Mountain High as he song about Colorado, but did you know that it is in Wyoming as well? This is the state where the Great Plains and the Rocky Mountains kiss and say hello. The Sierra Madre range, the Laramie range, the Black Hills, and the Teton range to name just a few of the mountain ranges that are in Wyoming. This means that there are many winding mountain road to be driven in this mountain riddled state and you need to be extremely careful so you do not have an accident.
If you do have an accident you will want to make sure that at the very least you have the states requirements for insurance on your car so you do not add insult to injury to what would already be a bad situation.