Driving without insurance is illegal in Wyoming. If caught, you can face fines of $250 to $1,500, suspension of your driving privileges, and potentially even jail time. These tough penalties my explain why only 7.8% of all drivers in this state are driving uninsured vehicles. This is significantly lower than the national average rate of 13.0%.
If an uninsured driver causes a collision with your vehicle, that person is responsible for covering your damage and medical bills. However, without the funds to back them up, many will be unable to pay. You may need to go through legal channels and lawsuits just to collect a fraction of what is owed to you.
That is why having uninsured motorist insurance can prove so beneficial. This insurance can provide you with timely coverage for your injuries and damage if you are in a collision caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the difficult task of trying to collect funds owed by the at-fault driver, and will absorb the losses if unsuccessful.
Talk to a local independent insurance agent to learn more about this optional insurance and how it can protect you from undue financial losses.