What are the Full Glass coverage laws in Wyoming?

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Things to remember...
  • Auto Glass Coverage is optional in Wyoming
  • Glass repair might be covered under your comprehensive policy in some instances
  • There is a fee to add full glass repair to any car insurance policy

Living and working Wyoming requires spending some time on the roads getting to and from work and home, running errands, and living your life.

If you’re a Wyoming resident, you must follow state-regulated insurance laws that require you carry a specific insurance policy to avoid breaking the law.

The insurance laws are reasonable, but you must also consider how your insurance handles the smaller details related to everyday driving.

Your windshield, for example, is an important part of your vehicle. It protects your face and bodies, and it’s your biggest point of visibility when you’re on the road. The State of Wyoming created specific auto glass policies every driver must abide by.

These policies are detailed in full when you ask any car insurance policy to provide more information, and auto glass laws should be discussed prior to choosing an auto insurance policy.

Compare car insurance quotes today to find the best rate for the coverage you desire. Enter your zip code above to get started.

Auto Insurance Requirements in Wyoming

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No one is permitted to drive in Wyoming without proper car insurance. It’s designed to protect all drivers from the exorbitant expenses stemming from even the most minor car accident.

It’s also designed to protect you from lawsuits filed by other drivers, to help pay for medical bills, and to cover your expenses when you’re out of work and no longer earning a paycheck during recovery.

These policies are detailed in full when you ask any car insurance policy to provide more information, and auto glass laws should be discussed prior to choosing an auto insurance policy.

All Wyoming residents with a registered vehicle must carry the following minimums:

  • $25,000 per person Bodily Injury Liability
  • $50,000 per accident Bodily Injury Liability
  • $20,000 in Property Damage Liability

If your car is financed or leased, you must carry the amount of insurance required by the lender. If your car is paid off in full and the title is already in your name, you can carry as much or as little car insurance as you see fit provided it meets state standards.

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Auto Glass Insurance Requirements in Wyoming

Laws in Wyoming require all vehicles have a working windshield free of damage and obstruction, and it must be made of safety glass. It’s designed using various layers of both glass and glazing material used to stop shattering when something strikes the windshield.

It’s not uncommon for drivers to experience a small rock or other roadway debris hitting their windshield and causing a small break or crack in the glass.

The law in Wyoming doesn’t specify that driving with a crack or chip is illegal, only that the crack or chip found in the windshield must not in any way impair your ability to see out of the windshield while you drive.

If you’re pulled over with a crack or chip in your windshield, the officer who pulls you over is permitted to determine whether the crack or chip is dangerous.

The insurance requirement for this is non-existent. You are not required to carry any coverage that protects your glass because it’s often provided under the comprehensive coverage policy.

If you only carry the state’s minimum requirements for insurance on your vehicle, you won’t have any auto glass coverage.

Full Glass Coverage Options in Wyoming

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The best option is to ask your insurance company to include full glass coverage on your policy. It’s an additional rider you can add to almost any car insurance policy in Wyoming.

You pay a fee for it each month, and you get your windshield or other glass repaired free of charge to you anytime there is a crack or chip due to something hitting you on the road, falling on your car, and even if someone breaks into your car.

It’s not required coverage, but it’s worth it for many drivers.

Do I need auto glass coverage?

There is no right or wrong answer to this question. If you finance or lease your car, you get this coverage because you carry a full-coverage policy.

Your policy will cover the repair if it’s more than your deductible if your windshield is chipped or cracked because of the following:

  • a storm
  • arson
  • vandalism
  • a collision with an animal

If the damage occurs any other way, it might not be covered.

This is an important question to ask when you’re comparing car insurance rates in Wyoming because windshield damage is one of the most common auto repairs necessary annually.

You must also ask each company if their coverage for glass repair is all-inclusive, which means it covers all glass repairs on any window of your car. Some policies only cover repairs to the windshield.

Not everyone uses their insurance to pay for their glass repair if they have a high deductible and the cost of repair is less than going through insurance unless they have full glass coverage and no need to pay a deductible.

You should make this decision based on your financial situation and your coverage needs. If you’d like to have this coverage included, ask around to see which companies can offer you better rates for glass repair.

Tips for Finding the Best Insurance Rates

Now that you know you have the option to protect your car’s glass pieces by paying a deductible under your comprehensive policy or adding a rider to your policy to protect it without paying your deductible, talk to some insurance companies.

Be sure to check your credit report first to ensure there are no mistakes in need of your attention so you get the best rates.

It’s also helpful to ask for discounts for being a senior, for being retired, for having more than one car, and even for working in specific industries. It makes insurance more affordable.

Compare car insurance quotes is probably the easiest way to find the company that offers you the lowest rates. Enter your zip code below to get started comparing.

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