Why UM/UIM Coverage Matters in Wyoming
A significant share of Wyoming drivers carry no insurance or only minimum liability limits that fall far short of what a serious injury costs. Wyoming does not require uninsured/underinsured motorist (UM/UIM) coverage, but insurers must offer it, and many drivers carry it. When you're hurt by a driver who can't pay, your own UM/UIM coverage can step in to make up the difference — making it one of the most valuable protections a Wyoming driver can have.
How These Claims Work
A UM claim applies when the at-fault driver has no insurance; a UIM claim applies when their coverage exists but isn't enough to cover your damages. Although you're using your own policy, your insurer often acts like an adversary — disputing fault, downplaying injuries, and delaying payment. These claims have their own notice requirements and procedures, and handling them correctly is essential to recovering what you're owed.
Stacking and Multiple Policies
Depending on your policies, it may be possible to combine, or 'stack,' coverage across multiple vehicles or policies to increase the funds available. An attorney can review every policy in your household, identify all available coverage, and pursue the maximum recovery — something that's easy to miss without experienced help.
Compensation Through Your Own Coverage
UM/UIM coverage can pay for medical expenses, lost wages, pain and suffering, and other losses, just as a claim against an at-fault driver would. Because your insurer's interests are not aligned with yours, having an attorney handle the claim protects you from lowball offers and bad-faith tactics.
Injured in Wyoming? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
If you carry uninsured motorist (UM) coverage, it can pay for your injuries as though the at-fault driver were insured. An attorney can confirm your coverage and handle the claim.
Unfortunately, yes. Even on your own policy, insurers often dispute fault and minimize injuries. Legal representation helps counter these tactics and pursue fair payment.
Sometimes. Depending on your policies, 'stacking' may increase available coverage. An attorney can review every policy in your household to find all available funds.