Wyoming has no PIP filing deadline, for one simple reason: Wyoming has no PIP. The state runs no personal injury protection and no no-fault insurance system at all. It's a pure at-fault state, and that single fact changes how every medical bill from your crash gets paid. Below are the coverages Wyoming actually sells and the numbers and deadlines that decide whether you collect anything.
Wyoming has no PIP and no no-fault system
Some states route crash medical bills through a first-party no-fault or PIP policy that pays for your treatment no matter who caused the wreck. Wyoming doesn't work that way. Recovery for a car crash injury here runs on fault, under Wyoming's comparative fault statute, Wyo. Stat. 1-1-109.1 No Wyoming statute creates a no-fault or PIP program, and no insurer sells a PIP product to Wyoming drivers.
In plain terms, the at-fault driver's bodily injury liability coverage is what pays for your injuries. The catch is timing. That liability money usually arrives once, at the end, as a settlement or a judgment, not while you're still going to appointments. So for most injured drivers, the practical question is what covers the bills right now, before the case resolves.
The only first-party medical coverage Wyoming sells is med-pay
That gap is what Medical Payment Coverage is built for. Wyoming insurers label it MPC; most people call it med-pay. The Wyoming Department of Insurance describes it plainly: MPC "pays for the medical and/or funeral expenses for you or others injured or killed in an accident while riding in or driving your automobile," and it applies no matter who was at fault.2
Med-pay is optional. You decide whether to add it, and Wyoming policies commonly carry it in $1,000 to $10,000 layers. Because it ignores fault, it pays quickly,2 which makes it useful for the copays and early bills that stack up long before a liability settlement. Med-pay coordinates with your health insurance rather than replacing it, and because it pays fast it can keep you from falling behind while fault is still being sorted out.
Here's the part that trips people up. Because Wyoming has no PIP, there's no first-party PIP filing deadline of the kind no-fault states impose. No 14-day treatment rule, no PIP application window. With med-pay, the only clock is your own policy: give your insurer prompt notice and submit proof of the bills the way the policy requires. Check the notice and proof-of-loss language on your declarations page and follow it.
How your bills actually get paid after a Wyoming crash
With no PIP in the picture, payment for a Wyoming crash tends to come in layers.
First, med-pay (if you bought it) and your health insurance cover treatment while the claim is open. For many people health insurance is the workhorse here, since med-pay limits of a few thousand dollars run out quickly after an ER visit and imaging. Second, the at-fault driver's liability coverage reimburses your losses at settlement, up to that driver's limits.3 If the driver has no coverage or not enough, your own uninsured or underinsured motorist coverage can fill the gap, which is covered below.
Plan for one wrinkle: whoever pays early usually wants paying back. A health insurer or your med-pay carrier may assert a right of reimbursement, called subrogation, against your eventual settlement, so bills they fronted can come back out of your recovery. Keep every bill, explanation of benefits, and payment record. It matters both for proving your damages and for sorting out who gets repaid.
The dollar minimums, and the underinsured gap
Wyoming sets the liability floor at 25/50/20: $25,000 for bodily injury to one person, $50,000 per accident, and $20,000 for property damage, under Wyo. Stat. 31-9-405(b)(ii).3 That $25,000 per-person figure is the most a bare-minimum policy pays toward your injuries, and a single hospital stay can clear it fast.
That's where your own coverage earns its keep. Uninsured motorist (UM) coverage has to be in every Wyoming auto policy unless you reject it in writing, under Wyo. Stat. 31-10-101.4 Its limits track the state's $25,000 per person and $50,000 per accident financial-responsibility minimums.5 UM protects you when the at-fault driver has no insurance or drives off.
Underinsured motorist (UIM) coverage is a different story. Section 31-10-101 doesn't mention UIM at all, and Wyoming doesn't require it, not even as a coverage insurers must offer you.4 It's a purely optional add-on. If you want protection against a driver who is insured but carries only that $25,000 minimum, you have to ask for UIM and pay for it. Plenty of Wyoming drivers never learn the difference until the at-fault policy runs dry.
Fault and the deadline decide what you collect
Two rules quietly control the size of your recovery.
Comparative fault comes first. Under Wyo. Stat. 1-1-109, you can still recover as long as your share of the fault is not more than 50 percent. At 51 percent or more you recover nothing, and any award you do win is reduced by your own percentage.1 If you're found 20 percent responsible for a $100,000 loss, you collect $80,000. That's why the fault investigation, and the crash report that feeds it, are worth taking seriously from day one. You can pull the Wyoming crash report, which the Department of Transportation's Highway Safety program maintains.6
Then the deadline. You have four years from the date of the crash to file a personal injury lawsuit in Wyoming, under Wyo. Stat. 1-3-105(a)(iv)(C).7 Claims for damage to your vehicle or other property run under the same statute at subsection (a)(iv)(B), also four years.8 Miss it and the claim is gone, and with it any chance to resolve med-pay or health-insurance liens through a settlement.
Where to go next
If your car is worth less after the wreck than it was before, even once it's repaired, that loss is a separate at-fault claim; the Wyoming diminished value guide walks through it. And if the medical bills or the fault fight are bigger than you want to take on alone, you can find a Wyoming attorney through the legal directory.
This is general information about Wyoming law, not legal advice.
Sources
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Wyo. Stat. 1-1-109, comparative fault. https://law.justia.com/codes/wyoming/title-1/chapter-1/section-1-1-109/
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Wyoming Department of Insurance, auto insurance consumer topics (Medical Payment Coverage). https://doi.wyo.gov/consumers/insurance-topics
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Wyo. Stat. 31-9-405(b)(ii), minimum motor vehicle liability limits. https://law.justia.com/codes/wyoming/title-31/chapter-9/article-4/section-31-9-405/
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Wyo. Stat. 31-10-101, uninsured motor vehicle coverage, required unless rejected in writing. https://law.justia.com/codes/wyoming/title-31/chapter-10/section-31-10-101/
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Wyo. Stat. 31-9-102, proof of financial responsibility ($25,000/$50,000 bodily injury minimums). https://law.justia.com/codes/wyoming/title-31/chapter-9/article-1/section-31-9-102/
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Wyoming Department of Transportation, Highway Safety Program, requesting crash reports. https://www.dot.state.wy.us/home/dot_safety/crash-reports/requesting-crash-reports.html
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Wyo. Stat. 1-3-105(a)(iv)(C), four-year limit for injury to the rights of the person. https://law.justia.com/codes/wyoming/title-1/chapter-3/section-1-3-105/
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Wyo. Stat. 1-3-105(a)(iv)(B), four-year limit for injuring personal property. https://law.justia.com/codes/wyoming/title-1/chapter-3/section-1-3-105/