Uninsured Coverages
Is UM coverage mandatory or discretionary?
In Wyoming, UM coverage is mandatory, unless
waived by the insured. UM coverage is governed
by the Wyoming Uninsured Motorist Act. Wyo.
Stat. Ann. §31-10-101, et seq. UM coverage must
have minimum limits of $25,000/$50,000 for bodily
injury or death. Id.; see Wyo. Stat. Ann. §31-9-102(a)
(xi). Wyoming statutes do not expressly require that
the insured reject UM coverage in writing, although
it is advisable. Unless the insured requests UM in
writing, UM is not required to be provided in supplements
or renewals to a policy where the insured
previously rejected UM coverage in a policy issued
by the same insurer. Wyo. Stat. Ann. §31-10-101.
Is UIM coverage mandatory or discretionary?
UIM coverage is discretionary in Wyoming. There
are no regulations, statutes or case law in Wyoming
requiring an insured to provide or offer UIM coverage.
Broderick v. Dairyland Ins. Co., 2012 WY 22, 270
P.3d 684.
Is uninsured motorist property
damage (“UMPD”) coverage
mandatory or discretionary?
UMPD coverage is not required in Wyoming. There
are no regulations, statutes or case law in Wyoming
requiring UMPD coverage.
Is uninsured motorists “economic
only” (“UEO”) coverage
mandatory or discretionary?
UEO coverage is discretionary in Wyoming. There
are no regulations, statutes or case law in Wyoming
requiring UEO coverage.
