Is Wyoming a no-fault state?

No. Wyoming is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.

What is Wyoming's fault rule for a car accident?

Wyoming follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.

How long do I have to file an injury claim in Wyoming?

In Wyoming the statute of limitations for a personal-injury claim is generally 4 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

Wyoming · Injury claims

Car accident injury claims in Wyoming

In Wyoming, an injury claim runs through the at-fault driver's insurer — and how much you can recover turns on the state's fault rule, coverage minimums, and a filing deadline that's easy to miss. Here's what shapes an injury claim in Wyoming.

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Wyoming at a glance

Fault rule: Modified comparative — 51% bar
No-fault state?: No
Minimum liability coverage: 25/50/20 — $25K BI per person / $50K BI per accident / $20K PD per accident (Wyo. Stat. § 31-9-405(b)(ii); $20K PD floor mid-tier). UM/UIM mandatorily offered at BI-equal limits under § 26-23-103.
Time limit for an injury claim: 4 years

How fault works in Wyoming

VERIFIED 2026-05-26: Wyo. Stat. § 1-1-109(b) — 'Contributory fault shall not bar a recovery ... if the contributory fault of the claimant is not more than fifty percent (50%) of the total fault of all actors. Any damages allowed shall be diminished in proportion to the amount of fault attributed to the claimant.' Plaintiff at 50% RECOVERS; plaintiff at 51% is BARRED — MODIFIED 51% BAR. § 1-1-109(e): each defendant is liable only to the extent of its proportion of total fault (several, not joint). WY joins the modified 51% bar cluster as the 18th state. Vahai v. Gertsch, 2020 WY 7 (apportionment).

Paying for injuries in Wyoming

Wyoming is a pure at-fault state with NO statutory PIP. MedPay is optional carrier-offered first-party medical coverage. No tort threshold — noneconomic damages are recoverable from accident #1 subject to § 1-1-109 comparative-fault reduction. PI recovery flows through the at-fault driver's BI liability, optional MedPay, own UM/UIM (if at-fault driver uninsured/underinsured), and own health insurance subject to subrogation/make-whole.

How Moe handles injury claims in Wyoming

Knowing the rule is one thing — applying it against a carrier is another. Moe builds your case to Wyoming’s rules, drafts every letter for your approval, tracks the deadlines, and only pings you when there’s a decision to make.

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Wyoming injury claims — common questions

Is Wyoming a no-fault state?: No. Wyoming is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.
What is Wyoming's fault rule for a car accident?: Wyoming follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.
How long do I have to file an injury claim in Wyoming?: In Wyoming the statute of limitations for a personal-injury claim is generally 4 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

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All Wyoming accident-claim rules · Other states

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This page summarizes Wyoming’s car-accident claim rules for general information — it is not legal advice, and the rules can change. What applies to your claim depends on your policy and the specific facts.