Uninsured Motorist Coverage — Wyoming
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or too little to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you when another driver causes a crash but lacks adequate insurance to pay for your injuries or vehicle damage. UM applies when the at-fault driver has zero liability coverage; UIM kicks in when their coverage exists but falls short of your actual costs. Both coverages pay up to your selected policy limits, filling the gap between what the other driver's insurance pays and what you actually owe. Wyoming treats these as optional add-ons, not mandatory coverages, so you must actively choose to include them when building your policy.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
Carry UM/UIM coverage if you drive frequently in rural areas where emergency response times are long and uninsured driver rates run higher, or if you lack health insurance that would cover crash-related medical bills regardless of fault. It's also critical if you're financing a vehicle—your collision coverage pays for your own car, but UM covers the medical costs that can financially devastate you even after your vehicle is repaired. Drivers who commute daily or carry passengers regularly should prioritize this coverage, as one uninsured driver encounter can erase years of careful budgeting.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your chosen UM/UIM limits—matching your liability limits costs more but closes the protection gap most effectively.
- Whether you add UM property damage coverage, which pays for vehicle repairs when the at-fault driver is uninsured.
- Your county's uninsured driver rate—areas with higher percentages of uninsured motorists see slightly elevated premiums.
- Whether you stack UM/UIM limits across multiple vehicles on the same policy, multiplying your available coverage but increasing cost proportionally.
- Your claims history—prior UM claims can raise your rate even though you weren't at fault, as insurers view you as higher-risk for future uninsured-driver encounters.
