Wyoming Car Accident Settlement Calculator and Laws (2026)

Wyoming filing deadlines

W.S. 1-3-105(a)(iv)(B), (C); W.S. 1-38-102(d); W.S. 1-39-113(a). Counted from the accident date in most cases.
Claim	Deadline
Personal injury lawsuit	4 years
Vehicle and property damage	4 years
Wrongful death	2 years
Notice of a claim against a government	Itemized written claim must be presented to the governmental entity within 2 years of the act, error or omission (W.S. 1-39-113(a))

Wrongful death, 1-38-102(d): "An action for wrongful death shall be commenced within two (2) years after the death of the decedent."

If you were partly at fault

Wyoming follows modified comparative negligence, 51% bar. Your damages are reduced by your percentage of fault, and you recover nothing if you were more at fault than the other side (51% or more). At exactly 50% you still recover half.

With $100,000 in damages and 30% of the fault, you would recover $70,000.
With 55% of the fault, you would recover $0, because the rule bars your claim.

Recovery allowed at exactly 50%.

Source: W.S. 1-1-109(b). Compare all states in the comparative negligence table.

At-fault (tort) state

In Wyoming the driver who caused the crash is responsible for the damage, so you claim against their liability insurance or sue them. Your own medical payments or health coverage can pay bills while the claim is pending.

Wyoming is a traditional tort state; only liability coverage is compulsory and UM must be offered.

Minimum car insurance in Wyoming

$25,000 per person and $50,000 per accident for injuries, $20,000 for property damage. Uninsured motorist coverage is optional or can be rejected in writing.

Many drivers carry only the minimum, so the bodily injury limit is often the most the at-fault driver's insurer will pay one person. Property damage: "twenty thousand dollars ($20,000.00) because of injury to or destruction of property of others." UM must be included at these limits but "The named insured may reject the coverage" (31-10-101).

Damage caps

Wyoming does not cap pain and suffering in ordinary car accident cases.

The Wyoming Constitution forbids damages caps for injury or death. A 2004 amendment to allow medical malpractice noneconomic caps was rejected by voters (per the LSO memo). Governmental Claims Act liability limits for claims against public entities are separate (not covered here).

Dog bite law

One-bite rule (no strict liability statute). No dog bite strict liability statute identified in Wyoming statutes; common law rule presumed.

Source: . Estimate a claim with the dog bite calculator.

Frequently asked questions

How long do I have to file a car accident claim in Wyoming?

4 years from the accident for an injury lawsuit and 4 years for vehicle damage (W.S. 1-3-105(a)(iv)(B), (C); W.S. 1-38-102(d); W.S. 1-39-113(a)). Insurance claims should be reported much sooner, and claims against a government agency can have shorter notice deadlines.

Is Wyoming a no-fault state?

No. Wyoming is an at-fault state: the driver who caused the crash, through their liability insurance, pays for the other people's injuries and damage.

What happens if I was partly at fault in Wyoming?

Wyoming follows modified comparative negligence, 51% bar (W.S. 1-1-109(b)). Your damages are reduced by your percentage of fault, and you recover nothing if you were more at fault than the other side (51% or more). At exactly 50% you still recover half.

What is the minimum car insurance in Wyoming?

$25,000 per person and $50,000 per accident for injuries, $20,000 for property damage (25/50/20).

Does Wyoming cap pain and suffering damages?

Not in ordinary car accident cases. The Wyoming Constitution forbids damages caps for injury or death. A 2004 amendment to allow medical malpractice noneconomic caps was rejected by voters (per the LSO memo). Governmental Claims Act liability limits for claims against public entities are separate (not covered here).

Sources

Checked against official Wyoming sources November 5, 2026.