When a Car Is a Total Loss in Wyoming
How Wyoming decides a car is a total loss, salvage title rules, and how to complain about a claim.
Short answer: When an insurer declares a vehicle a total loss, or (without an insurer) it suffers damage over 75% of its actual retail cash value per a recognized appraisal guide, the owner or the insurer that takes ownership must send the endorsed title to the county clerk with an application for a… Wyo. Stat. § 31-2-107(a); WYDOT, Titles, Plates and Registration
| Total loss rules | When an insurer declares a vehicle a total loss, or (without an insurer) it suffers damage over 75% of its actual retail cash value per a recognized appraisal guide, the owner or the insurer that takes ownership must send the endorsed title to the county clerk with an application for a title branded "salvage." Wyoming will also brand a title based on information in the National Motor Vehicle Title Information System (NMVTIS), even if the current title shows no brand. § 31-2-107(a) is amended effective July 1, 2027. NMVTIS branding: https://www.dot.state.wy.us/home/titles_plates_registration.html |
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| Complaints about an insurer | File a complaint with the Wyoming Department of Insurance through the File a Complaint link on its Consumers page. Consumer Affairs: (307) 777-7402; main line (307) 777-7401. |
More Wyoming car insurance & vehicle laws
- Minimum Car Insurance in Wyoming
- Driving Without Insurance in Wyoming
- SR-22 Insurance in Wyoming
- Transferring a Car Title in Wyoming
- All Wyoming car insurance & vehicle laws rules
FAQ
When is a car a total loss in Wyoming?
When an insurer declares a vehicle a total loss, or (without an insurer) it suffers damage over 75% of its actual retail cash value per a recognized appraisal guide, the owner or the insurer that takes ownership must send the endorsed title to the county clerk with an application for a title branded "salvage." Wyoming will also brand a title based on information in the National Motor Vehicle Title Information System (NMVTIS), even if the current title shows no brand.
How do you file a complaint against a car insurance company in Wyoming?
File a complaint with the Wyoming Department of Insurance through the File a Complaint link on its Consumers page. Consumer Affairs: (307) 777-7402; main line (307) 777-7401.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.