These are the basics on Wyoming Car Insurance. In Wyoming, it is mandatory to prove your financial responsibility for damages in case of an accident in order to register your vehicle. The easiest and most common way to fulfill this requirement is by purchasing the minimum amount of liability car insurance.
Wyoming Car Insurance
Liability car insurance helps cover the costs of bodily injury or property damage to other parties. This in an accident caused by you. The state of Wyoming requires minimum amounts of liability coverage, including $25,000 for bodily injury or death per accident, $50,000 for total bodily injury or death for multiple people, and $20,000 for property damage.
All Wyoming liability car insurance policies are required to include uninsured motorist coverage to protect you from the costs incurred in case of an accident with an uninsured driver or a hit-and-run accident. However, property damage is not covered by this insurance, and you can opt-out of uninsured motorist coverage by rejecting it in writing.
Additional coverage types are available to save you thousands of dollars in case of an accident. These including collision coverage that pays for damages to your vehicle, regardless of who is at fault. Additionally comprehensive coverage that pays for non-accident-related damages to your car. These are medical expense coverage that helps pay for medical or funeral costs for you or your passengers. Tihs if injured or killed in an accident, rental reimbursement, and towing.
Wyoming minimum car insurance
Driving without minimum car insurance is illegal in Wyoming. Law enforcement officers can request proof of insurance at any time. Failure to provide proof of insurance. This may result in a fine of up to $1500 or up to 6 months of jail time. If your driver’s license was suspended for involvement in an accident while uninsured. You will be required to obtain an SR-22 in addition to other reinstatement requirements. This which is not actually car insurance but a guarantee that you’ll maintain the minimum insurance for three years. Failure to maintain your SR-22 can result in another license suspension. See also the Laramie Wyoming DOT and the Casper Wyoming DOT as well as the Gillette Wyoming DOT.
Wyoming Teen Driving Laws
Wyoming has a graduated licensing program for teen drivers, which involves a series of steps before obtaining a full privilege driver’s license. The program starts with a restricted learner’s permit, followed by a regular learner’s permit, an intermediate permit, and finally, an unrestricted driver’s license.
Restricted Learner’s Permit
Under certain conditions related to school, work, or “extreme inconvenience” as determined by the Wyoming Highway Patrol, a person aged 14-15 years may apply for a restricted learner’s permit, also known as a hardship permit. The permit allows driving between 5:00 AM and 8:00 PM, within 50 miles of home.
Regular Learner’s Permit
Teen drivers aged 15 years and above may apply for a regular learner’s permit after passing a vision screening and a written knowledge test. The permit is valid for one year and requires a licensed driver who is at least 18 years old in the front passenger seat while driving.
To be eligible for an intermediate permit. The teen driver must be at least 16 years old, have held a learner’s permit for at least ten days. Also have logged 50 hours of driving practice, including 10 hours of nighttime driving. Applicants must pass a vision screening and a driver skills test, which may be waived if the driver has completed a state-approved driver education course.
Intermediate permit holders are prohibited from driving between 11:00 PM and 5:00 AM, and from transporting more than one passenger under 18 years old. Someone who is not an immediate family member. However, these restrictions do not apply if accompanied by a licensed driver aged 18 or older.
Full Privilege Driver License
Teen drivers aged 16 ½ years old or older, who have held an intermediate permit for at least six months and completed a state-approved driver education course. They are eligible to apply for an unrestricted Wyoming driver license. Drivers aged 17 years or older may apply for a full license even if they have never held a permit.
Wyoming Registration Information
To obtain a Wyoming license. You must visit your resident county and provide proof of identity, current residence, and Social Security Number. Vehicle registration is also handled at the county level. For a complete list of qualifying documents, visit the Wyoming Department of Transportation.