How to Ensure the At-Fault Party’s Insurer Accepts Liability for Your Injuries

Disclaimer: This article provides general information and does not constitute legal advice. Consult a qualified attorney to discuss your specific situation.

Detailed Answer

When you suffer an injury caused by another driver in Wyoming, you must build a clear record showing the other party’s fault and the extent of your injuries. Follow these steps to encourage the insurer to accept liability:

1. Preserve Evidence Promptly

Collect photographs of the crash scene, your injuries and vehicle damage. Note weather, road signs and skid marks. Ask witnesses for contact information. Early evidence supports your version of events.

2. Report the Accident and Seek Medical Care

Call law enforcement to create an official crash report. That report becomes crucial proof. Seek medical treatment right away—even for seemingly minor injuries. Documented treatment shows causation and severity of harm.

3. Notify the At-Fault Insurer

Under Wyoming’s financial responsibility law (W.S. § 31-4-101 et seq.), every motorist must carry minimum liability coverage. Give the insurer a written notice summarizing how the accident happened, who was involved and where to send future correspondence.

4. Provide Complete Documentation

Compile medical records, hospital bills, therapy invoices and proof of lost wages. Send these together with a demand letter outlining your injuries, treatment plan and total losses. A detailed demand packet helps insurers understand the factual and legal basis for liability.

5. Follow Up and Monitor Response Time

Wyoming’s unfair claims practices law (W.S. § 26-9-201 et seq.) bans unreasonable delays in acknowledging or investigating claims. If the insurer fails to respond within a reasonable period, send reminders and keep a written log of all communications.

6. Consider Retaining an Attorney

An attorney can help compile evidence, draft persuasive demands and negotiate with adjusters. Having counsel often expedites a liability determination and maximizes your recovery.

Helpful Hints

• Keep a detailed accident journal with dates, times and notes on pain levels and daily limitations.
• Make copies of every document you send or receive—including emails and letters.
• Be honest and consistent; insurers compare your statements for discrepancies.
• Refuse quick, lowball offers without reviewing them with a lawyer.
• Track deadlines under Wyoming’s statute of limitations (W.S. § 1-3-105) to protect your right to sue.