WYOMING GUIDE 15

Rideshare & Transportation Network Coverage

Insurance coverage after a rideshare crash depends heavily on the driver’s digital-network status. Wyoming establishes different insurance requirements while a driver is waiting for ride requests and after a ride has been accepted.

The Three Practical Coverage Phases

App Off

The driver is not available for rides and is not engaged in a prearranged ride.

The driver’s ordinary personal automobile insurance is generally the starting point, subject to the actual policy.

App On — Waiting

The driver is available to receive ride requests but has not yet accepted a prearranged ride.

Wyoming requires primary liability coverage at these minimum levels, together with the uninsured-motorist protection required by Wyoming law.

Ride Accepted

This phase begins when the driver accepts the rider’s request, continues through transportation and ends when the rider exits.

Wyoming requires at least $1 million in primary liability coverage, together with statutory UM protection.

The $1 Million Period Begins Before Pickup

Under Wyoming’s statutory definition, a prearranged ride begins when the driver accepts the ride request through the digital network.

The passenger does not have to be physically inside the vehicle before the prearranged-ride insurance phase begins.

The TNC Cannot Require a Personal-Insurance Denial First

Wyoming provides that TNC-maintained insurance cannot depend upon the personal auto carrier first denying the claim.

If the driver’s own qualifying insurance has lapsed or fails to provide the coverage Wyoming requires, the TNC-maintained policy must provide the required coverage beginning with the first dollar of the claim.

The TNC insurer also has the duty to defend that claim.

Do Not Accept an Automatic “File With the Personal Carrier First” Rule

Wyoming’s statute specifically prevents TNC coverage from being made contingent on a prior personal-carrier denial.

The Personal Auto Policy May Exclude the Entire Rideshare Period

Wyoming expressly allows personal automobile insurers to exclude coverage while the driver is available for ride requests or engaged in a prearranged ride.

Personal Coverage	May Be Excluded During TNC Period
Liability	Yes
UM	Yes
UIM	Yes
MedPay	Yes
Collision	Yes
Comprehensive	Yes

“Full Coverage” May Stop When the App Turns On

A driver’s personal auto policy may lawfully exclude multiple coverage types during rideshare activity.

The personal declarations page therefore cannot be treated as proof of available rideshare coverage without reviewing the exclusions and endorsements.

Wyoming’s 12-Hour App-Status Disclosure Rule

During a coverage investigation, the transportation network company must immediately provide, upon a qualifying request, the precise times the driver was available for ride requests during the twelve hours before and twelve hours after the collision.

The Driver Has a Crash-Scene Disclosure Duty

Wyoming requires the driver to carry physical or digital proof of the applicable TNC insurance.

After a crash, upon request, the driver must disclose:

the applicable insurance information; and
whether the driver was available to receive requests or engaged in a prearranged ride at the time of the collision.

Insurer-to-Insurer Disclosure

An insurer providing coverage under Wyoming’s TNC statute must, upon request from another insurer involved in the claim, disclose:

applicable coverages;
applicable exclusions; and
applicable limits.

The TNC Must Warn Its Driver

Before allowing a driver to accept ride requests, the TNC must provide written information concerning:

TNC-provided insurance
types of TNC coverage
TNC coverage limits
possible absence of personal coverage
rideshare use while available for requests
rideshare use during accepted rides
lienholder notification obligations

Request the Driver Disclosure Given by the TNC

After a serious crash, the written insurance disclosure the platform supplied to the driver can help identify the intended coverage structure and the driver’s notice of potential personal-policy exclusions.

Multiple Rideshare Apps

A driver may be permitted to use digital networks belonging to more than one transportation network company.

Therefore, do not ask only:

“Was the Uber app on?”

Ask:

“Which transportation network applications were active?”

Preserve records from every potentially active platform.

Rideshare Crash Coverage Workflow

Digital Evidence Checklist

driver’s phone
TNC app status
login history
ride-request history
acceptance timestamp
pickup location
passenger pickup timestamp
route data
GPS records
passenger exit timestamp
ride completion record
cancellation history
other TNC applications
communications with rider
TNC incident report
driver insurance disclosure
TNC insurance certificate
complete TNC insurance policy
personal automobile policy
rideshare endorsements

Wyoming Statutory Authorities

Case-Law Status

The completed official-source and published-opinion survey has not identified a published Wyoming Supreme Court decision construing the substantive insurance provisions of W.S. §§ 31-20-107 through 31-20-109.

Until controlling Wyoming appellate authority develops, these coverage questions should be grounded primarily in the current statutory text and the actual insurance contracts.