Penalties for driving without insurance in Wyoming

Driving without insurance in wyoming

While driving without insurance in Wyoming may seem like a good way to save money, it can have major implications. This is especially true if you are involved in an accident and are not insured. You might face penalties, license suspension, and potentially jail time if you are discovered driving without insurance in Wyoming.

Minimum insurance required in Wyoming

Auto liability insurance in Wyoming can provide important financial protection if you are involved in an accident. As a result, Wyoming, like other states, requires that resident drivers maintain these minimum auto liability coverage:

• $25,000 bodily injury liability per person

• $50,000 bodily injury liability per accident

• $20,000 for property damage liability per accident

Uninsured drivers coverage must be offered but can be denied in writing.

A surety bond or $25,000 deposited in the state treasury will also satisfy the fiscal responsibility law.

Note that although these limits will keep you bound by Wyoming law, these amounts may not be enough to protect you financially if you are found at fault in a serious accident. Insurance experts recommend carrying more than the minimum legally required to ensure you can cover any damages you may be liable for - paying out of pocket.

Penalties for driving without insurance in Wyoming

If you are caught driving without insurance in Wyoming, you could face several penalties. These penalties may include fines, license suspension, insurance verification requirements, and imprisonment.

For your first driving without an insurance strike, you can be fined between $250 and $750. The fine will rise to between $500 and $1,500 for subsequent violations, depending on the specific circumstances of the violation. If you are unable to provide proof of insurance within seven days of the citation for driving without insurance, your license may be suspended. You may also need to obtain an SR-22 certificate from your insurance company that confirms that you have the required minimum coverage.

Although a less common punishment, it is possible to be jailed for driving without insurance in Wyoming. Wyoming courts have the discretion to decide whether jail time is appropriate in addition to fines and other penalties.

Getting into an accident in Wyoming without insurance

If you get into an accident in Wyoming without auto insurance, regardless of fault, you could be cited for that violation and face the penalties described above.

Wyoming is a wrong state. This means that the driver who caused the accident needs to use their own insurance to pay bills arising from the other driver's injuries or property damage caused by the accident. This is a no-fault situation, where your auto insurance company can pay your medical bills and possibly lose your paycheck after an accident, no matter who is at fault.

In addition, if you are involved in an accident and are not insured in Wyoming, you may be personally responsible for all costs of injuries to another driver and his or her vehicle if you are at fault.