What is collision coverage and is it required in Wyoming?
Drivers in Wyoming are not required to carry collision coverage although it is worth considering purchasing. Collision coverage is something that can be added onto an auto insurance policy and can be used in the event of a single or multi-vehicle accident. Some examples of the types of incidents collision coverage will generally cover include1:
- Hitting an object such as a phone pole with a vehicle.
- Getting involved in an accident with another driver who may be operating a car, truck, or motorcycle.
- Getting involved in a single-vehicle accident. For instance, if a driver swerved off the road to avoid an accident and flipped their vehicle, their collision coverage may pay for certain damages.
- Hit-and-run accidents.
While some lenders require their drivers to purchase collision coverage, others may have the option of choosing not to carry it. According to Progressive, if a motorist isn’t required to purchase collision coverage and one of the following situations apply, they may then have a justifiable reason for not adding this type of coverage onto their policy:
- Their vehicle doesn’t have much value. If a person’s vehicle is only worth about $1,500 or $1,000, carrying collision coverage may “be an unnecessary safeguard” as a driver may be required to spend more than their vehicle’s value just to satisfy their deductible.
- The vehicle isn’t being used. Collision coverage is meant to be used in the event of an accident. if the vehicle isn’t being driven, then having collision coverage doesn’t really benefit the owner.
What are the minimum insurance requirements drivers must meet in Wyoming?
Although many drivers in Wyoming are not required to purchase collision coverage, they are expected to carry the following types of insurance coverage2:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $25,000 in property damage liability
Filing an Auto Insurance Claim After a Car Accident in Wyoming
If a driver was recently involved in a motor vehicle accident in Wyoming and it wasn’t their fault, they can file a claim with the other driver’s insurer in an effort to recover compensation for vehicle repairs, medical expenses, etc. accident victims should be aware of what they discuss with the insurer as they wouldn’t want to jeopardize their right to compensation.
Car crash victims should also consider consulting with a Wyoming accident lawyer, especially if their injuries are serious or the other driver has limited coverage. Frederick J. Harrison, P.C. is an accident law firm in Wyoming that helps protect the rights of those who were involved in a car accident that was caused by someone else’s negligence.
The Wyoming accident lawyers at Frederick J. Harrison, P.C. offer free consultations to car crash victims so they are given the opportunity to discuss some of their concerns risk-free.
Frederick J. Harrison, P.C. can be reached at:
301 West Lincolnway
Cheyenne, WY 82001
Phone: (307) 316-1760
Website: www.fjhlawoffice.com
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