Wyoming Car Insurance After an Accident: Fault, Liability Minimums, and What It Means for Your Repair

This page covers the general rules. It is not legal advice. For your claim, talk to your insurer or a Wyoming attorney.

In a fault-based system, the person who caused the accident is responsible for the harm it did. In practice, that means the at-fault driver's liability insurance pays for the other driver's vehicle damage and injuries, up to the policy limits.

Wyoming's statutes require drivers to carry liability insurance and do not include a no-fault or personal injury protection (PIP) requirement in the motor vehicle or insurance titles (as of the 2026 Wyoming Statutes). So after a crash in Jackson, the first big question is usually not "what does my policy cover" but "who caused this."

That has a direct effect on your repair:

• If the other driver was at fault, you can usually file against their liability insurance. That is often called a third-party claim.
• If you were at fault, the other driver's damage goes on your liability coverage. Your own car is only covered if you carry collision coverage.
• If nobody else was involved, like a slide into a snowbank on Teton Pass or a deer on Highway 89, it is your own policy (collision or comprehensive) or your own wallet.

Under W.S. 31-9-405(b), a Wyoming liability policy must cover at least:

• $25,000 for bodily injury or death of one person in one accident
• $50,000 for bodily injury or death of two or more people in one accident
• $20,000 for damage to other people's property in one accident

You will often see this written as 25/50/20. W.S. 31-4-103 makes it a misdemeanor to drive a vehicle that is required to be registered without that coverage (or an approved bond). The Wyoming Department of Transportation's Driver Services FAQ states the same 25,000/50,000/20,000 minimum, and notes that drivers in a crash causing more than $1,000 in property damage or an injury must be able to show proof of current liability insurance.

The property damage number is the one that matters most at a body shop. It is the most the at-fault driver's minimum policy has to pay for everything they damaged in one crash. That can include your car, another car, a fence, or a sign.

A minimum-limit policy can run short when several vehicles are involved or the damage is structural. When the at-fault driver's coverage does not stretch far enough, the gap usually has to come from somewhere else: your own collision coverage, any other coverage on your policy, or the at-fault driver directly. Ask your agent what your own limits are before you need them.

Wyoming requires insurers to include uninsured motorist coverage for bodily injury on liability policies written here, but the named insured is allowed to reject it in writing (W.S. 31-10-101). That statute is about injuries. Whether your policy covers vehicle damage caused by an uninsured driver depends on the coverages you bought, so check your declarations page or call your agent.

Plenty of crashes in this valley are not one driver's fault alone, like two cars sliding at an icy intersection on Broadway. Wyoming handles that with comparative fault. Under W.S. 1-1-109, your share of the fault does not bar your recovery as long as it is not more than 50% of the total fault, but any damages are reduced in proportion to your share.

In plain terms, if you are found partly responsible, expect the payout to shrink by your percentage. If your share is found to be more than half, you may not recover from the other side at all. Insurers make the first call on fault, and you can disagree. This is a spot where talking to your insurer or an attorney is worth the time.

Under W.S. 31-5-1105, the driver must notify police, the county sheriff, or the Wyoming Highway Patrol right away if a crash causes an injury or death, or leaves a vehicle too disabled to drive normally and safely. The report number is something every insurer will ask for.

You do not need to sort out fault before you get your car looked at. At Mike's Body Shop, we:

• Give you a free estimate, whether you are claiming through your insurer, the other driver's insurer, or paying yourself.
• Bill all major insurers directly and handle the communication with the insurance company for you.
• Help with the claim from start to finish. See our guide on how to file an insurance claim after an accident in Wyoming.
• Back our body and structural repairs with a lifetime guarantee.

If you are wondering whose shop list you have to use, read can insurance choose my body shop in Wyoming.

Crashed in Jackson Hole and not sure who pays? Start with the damage. Call Mike's Body Shop at (307) 733-6461 or stop by 1705 Martin Ln, Jackson, Monday through Friday, 9 AM to 5 PM. Pickup and delivery are available. We will give you a free estimate and work with your insurance company for you.