Wyo. Stat. » Wyo. Stat. / Title 31 - Motor Vehicles / Chapter 10 - UNINSURED MOTOR VEHICLE COVERAGE / Article 4 - PROOF OF FINANCIAL RESPONSIBILITY
Wyoming Statutes

Wyo. Stat. § 31-10-101 (2026)

Required coverage; rejection.

✓ current as of May 2026
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No policy insuring against loss resulting from liability imposed
by law for bodily injury or death suffered by any natural person
arising out of the ownership, maintenance or use of a motor
vehicle shall be delivered or issued for delivery in this state
with respect to any motor vehicle registered or principally
garaged in this state unless coverage is provided therein or
supplemental thereto, in limits for bodily injury or death as
provided by W.S. 31-9-102(a)(xi), under provisions approved by
the insurance commissioner for the protection of persons insured
thereunder or legally entitled to recover damages from owners or
operators of uninsured motor vehicles because of bodily injury,
sickness or disease, including death resulting therefrom. The
named insured may reject the coverage. Unless the named insured
requests the coverage in writing, the coverage need not be
provided in or supplemental to a renewal policy where the named
insured had rejected the coverage in connection with the policy
previously issued to him by the same insurer.
Notes of Decisions
Cited in 14 cases, 1980–2012 · leading case: State Farm Mut. Auto. Ins. Co. v. Shrader, 882 P.2d 813 (Wyo. 1994).
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State Farm Mut. Auto. Ins. Co. v. Shrader, 882 P.2d 813 (Wyo. 1994). · cites it 62× “Unless the named insured requests the coverage in writing, the coverage need not be provided in or supplemental to a renewal policy where the named insured had rejected the coverage in connection with the policy previously issued to him by the same insurer.”
Allstate Ins. Co. v. Wyoming Ins. Dep't, 672 P.2d 810 (Wyo. 1983). · cites it 8× “1977, (hereinafter referred to as the financial responsibility law), the compulsory insurance statute, § 31-4-120, supra, and the uninsured motor vehicles act, § 31-10-101, et seq., W.S.1977, are considered together.”
Ulrich v. United Servs. Auto. Ass'n, 839 P.2d 942 (Wyo. 1992). · cites it 12× “We must first determine if Wyoming's Uninsured Motorist Act (WUMA), Wyo.Stat. §§ 31-10-101 to -104 (1989), requires insurance carriers to offer UM coverage which would extend to the circumstances of this case.”
Sorensen v. State Farm Auto. Ins. Co., 2010 WY 101 (Wyo. 2010). · cites it 3× “Wyo. Stat. Ann. § 31-10-101 (LexisNexis 2009) further demonstrates the legislative intent to promote this policy by requiring all insurance liability policies for bodily injury or death delivered or issued for delivery in Wyoming to include uninsured motorist coverage.”
Com. Union Ins. Co. v. Stamper, 732 P.2d 534 (Wyo. 1987). · cites it 2× “1977) provides in § 31-10-101 that: “No policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any natural person arising out of the ownership, maintenance or use of a motor vehicle shall be delivered or issued for delivery in…”
Tader v. Tader, 737 P.2d 1065 (Wyo. 1987). · cites it 2× “1977, and the Uninsured Motor Vehicle statute, § 31-10-101, W.S. 1977. Actual negligence liability has not been determined.”
State Ex Rel. Farmers Ins. Exch. v. Dist. Court of the Ninth Jud. Dist., Cnty. of Teton, 844 P.2d 1099 (Wyo. 1993). · cites it 2× “Wyo.Stat. §§ 31-10-101 to - 104 (1989); 8C JOHN ALAN APPLEMAN & JEAN APPLEMAN, INSURANCE LAW AND PRACTICE, Preface & §§ 5066-5067.”
Wyoming Ins. Guar. Ass'n v. Allstate Indem. Co., 844 P.2d 464 (Wyo. 1992). · cites it 2× “W.S. 31-10-101, -104 (1989). W.S. 31-10-102 provides: For purpose of coverage under W.”
Aaron v. State Farm Mut. Auto. Ins. Co., 34 P.3d 929 (Wyo. 2001). “§ 31-10-101 affected the stacking of uninsured motorist coverage.”
State Ex Rel. Peterson v. Dist. Court of the Ninth Jud. Dist., 617 P.2d 1056 (Wyo. 1980). “1977), Uninsured Motor Vehicles (§§ 31-10-101 through XX-XX-XXX, W.S. 1977), Protection of Highways (§§ 31-12-101 through XX-XX-XXX, W.”
Farmers Ins. Exch. v. Williams, 823 F. Supp. 927 (D. Wyo. 1992). · cites it 2× “Ramsour turned primarily on the statutory requirements, now codified at Wyo.Stat. §§ 31-10-101 and 31-9-102(a)(x), that an owner or operator of an automobile have liability insurance and that liability insurance policies provide uninsured motorists coverage, unless the insured…”
Hale v. Allied Ins., 465 F. App'x 757 (10th Cir. 2012). “In his view, uninsured-motor vehicle coverage is a statutory requirement, see Wyo. Stat. Ann. § 31-10-101 , and the state’s motor vehicle code explicitly includes “off-road recreational vehicle” in its definition of a “motor vehicle.”
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