Wyoming Automobile Insurance

Wyoming automobile insurance is mandatory in the state of Wyoming. There are minimum requirements by the state that say an individual must carry liability on their motor vehicle in the amounts of $25,000 per person for bodily injury, $50,000 per accident, and $20,000 property damage.[1]

In Wyoming, uninsured and underinsured motorist coverage is optional.[1] However, this is coverage that protects you in the instance that you are in an accident with someone who has not enough coverage or none at all.

Another piece of optional coverage in Wyoming is called Medical Payment Coverage (MPC). Regardless of fault, you and anyone in your vehicle at the time of an accident can have some of your medical expenses paid for so that you don't have to pay for them out of your pocket. [1]

There are items that you can add on to your policy even when you have just liability coverage on your automobile. You can also add higher liability coverage to ensure you have enough coverage to protect you in case you are involved in an auto accident that is your fault.

What is interesting about liability coverage is that it is the minimum that you can buy and the most affordable form of coverage you are going to purchase. You have some control over how much or how little you spend. If you have full coverage insurance on your automobile, you can lower your coverage to liability if your car is older or if you need to save money without worry of not being able to pay for damages to your car if an accident occurs (unless you can pay out of pocket for those damages).

And the protection is worth the cost, but note that you don't have to pay a significant cost. A Wyoming automobile insurance quote can reveal this.

Reading Your Insurance Policy

Your policy is a legal document and can seem rather confusing when you simply look at it. The first page of your Wyoming insurance policy is your declaration page. The declaration page is where you will find your information, your coverage limitations, and a description of the coverage that you have.

You will also find your insuring agreement, which is the main body of your Wyoming policy on your automobile. This is the section that tells you who is covered by listing the insured individuals, and tells you what the insurer is going to do for you as a result of you paying them a premium. Everything is detailed so that there are no misunderstandings about your Wyoming automobile insurance. You will know what incidents will be covered and when it is appropriate for you to use your policy.

The third major part of your Wyoming automobile insurance is the conditions of the policy. You do have responsibilities when you open a Wyoming automobile insurance policy. This will outline when you know that you have a claim that you can report and what documentation the agency requires as a part of that claim. You also learn the terms on how to cancel policy if you or the insurance company ever needs to do so.

Filing a Claim

You will need to refer to your Wyoming automobile insurance policy regarding filing a claim. There are some instances, however, in which you may not be able to file a claim. For instance, having liability coverage means you can't file a claim if you hit an animal on the road that causes damage to your car. The only way to have this covered is if you have comprehensive coverage as a part of your policy.

When you've been in an automobile accident, you want to contact your Wyoming automobile insurance company quickly. It doesn't matter who is at fault. You need to find out if you are covered. Even if an accident only qualifies as a "fender bender," you never know when the other party may try to collect damages. If they do and you have not contacted your agency, you could be held liable to pay the damages out of your pocket.

There are also a number of questions that you need to ask your Wyoming insurance agency about the insurance you have on your automobile. Ask if there is a time limit to file claims, if there is a time limit for the resolution of claims disputes, if your policy will pay for a rental car (sometimes only available as an add-on), if automobile repair estimates need to be gathered, and what additional information may be needed.[2]

There are of technicalities to a Wyoming automobile insurance policy, but they are there to protect you in the case of an accident. It is also important to note that Wyoming automobile insurance can be affordable. There is no need to pay a great deal of money for the best coverage.

[1]http://www.rmiia.org/auto/steering_through_your_auto_policy/Auto_Insurance_Wyoming_Requirements.asp Retrieved 06/07/10. 
[2] http://www.iii.org/articles/how-do-i-file-a-claim.html Retrieved 06/07/10.

 


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