Auto Insurance
You spend a lot of time on the road. Protect yourself – and others – with the right car insurance coverage.
The right auto insurance for Wyoming drivers is a policy that delivers adequate coverage to protect not just your own property, but other people on the road. Having enough liability coverage can save your future by protecting the assets you’ve gathered through your work, but can also help you make sure that you can do right by another party if they are injured in an accident where you are found to be at fault.
We have access to many of the major auto insurance carriers in Wyoming for auto insurance rates & quotes for your primary vehicles, to insurance for motorcycles, trucks, motor homes, recreational vehicles, even antique & classic autos. This allows us to get you quotes from all of the leading auto insurance carriers, not just one, meaning we can find you the right level of coverage at the right price.
Understanding Auto Insurance Options & Coverages
Bodily Injury to Others
This coverage pays bodily injury caused to others during an accident that occurred in Massachusetts on public roads. This is a mandatory coverage and does not cover anyone in your auto.
Limits: $20,000/$40,000 (maximum limit allowed in Massachusetts)
Personal Injury Protection
Commonly referred to as “PIP” coverage, this coverage pays up to $8,000 to you or anyone you let drive your car, household members, passengers and pedestrians, no matter who causes the accident for medical expenses and lost wages in coordination with your Health Insurance. This coverage is not applicable to motorcycles. The use of alcohol or drugs voids this coverage.
Bodily Injury Caused By an Uninsured Auto
This coverage pays for bodily injury to you or anyone you let drive your car, household members and passengers caused by an uninsured or unidentified vehicle/driver. Uninsured refers to someone that does not carry auto insurance or a hit and run vehicle. This does not cover damage to your car.
Recommended Limit: $250,000/$500,000
Property Damage
This coverage pays for damage to someone else’s property which is caused by your vehicle.
Recommended Limit: $250,000
Medical Payments
This covers medical expenses for you, household members, and passengers in your vehicle over and above the limit paid in Part 2 PIP no matter who caused the accident. Highly recommended for motorcycle policies.
Recommended Limit: $25,000
Collision
This pays for collision damage to your vehicle, less any applicable deductible, regardless of fault. Failure to list household members or customary operators using your vehicle on your auto policy voids this coverage. If Waiver of Deductible is purchased, your deductible is waived if you are not at fault in the accident and can identify the at-fault party.
Comprehensive
This pays for damage to your vehicle less any applicable deductible which results from fire, theft, vandalism, glass damage, or striking an animal. Theft of items in your vehicle is excluded unless separate coverage is purchased.
Substitute Transportation
Reimbursement up to the purchased limit for replacement vehicle or alternative transportation including bus fare, taxi and train fare while your vehicle is undergoing repairs due to a covered loss.
Recommended Limit: $30 per day, 30 days maximum
Towing & Labor
This pays for towing and/or labor charges up to the purchased limit.
Recommended Limit: $100 per disablement.
Bodily Injury Caused By an Underinsured Auto
This covers bodily injury to you, household members and passengers when the at-fault party’s insurance coverage is inadequate. Your policy will pay the difference between their limits and the amount you have purchased but not to exceed the limit of the higher of the 2 policy limits.
Recommended Limit: $250,000/$500,000
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Example below:
Other vehicle’s Bodily Injury limits: $25,000/$50,000
Your Underinsured limits: $250,000/$500,000
The other party causes an accident with you and you are injured: Their policy would pay up to their limit of $25,000. You have $250,000 in coverage from your own policy to fall back on should their policy limits not be enough. Payment between both policies will not exceed your higher limit of $250,000 total.