Can I file a diminished value claim against my own insurer in Wyoming?

No — Wyoming limits DV recovery to third-party claims against the at-fault driver's insurer.

Does Wyoming use comparative or contributory negligence?

Wyoming uses the Modified comparative rule.

WYOMING (WY)

Wyoming Diminished Value Claim — Recover $2,500 – $10,000

Wyoming is a Modified comparative state with a 4 years for property damage. DV recovery is available against the at-fault driver's insurer. USPAP-compliant appraisal report delivered in 24 hours.

Get Your Free Estimate Order DV Report — $249

Fault Rule

Modified comparative

Statute of Limitations

4 years for property damage

Typical Recovery

$2,500 – $10,000

Small Claims Limit

$6,000

Wyoming Diminished Value Law — What You Need To Know

Wyoming's tiny population and thin used-vehicle market mean stigma damage hits hard — Jackson and Cheyenne comp pools are limited, often forcing reliance on Denver auction data.

Statute citation

Wyo. Stat. §1-3-105(a)(iv)

Landmark case

Town of Jackson v. Shaw (Wyo. 1977) — DV recoverable.

First-party DV

❌ Not available

Third-party DV

✅ Allowed

Appraisal clause

Standard in most policies

Small claims limit

$6,000

Wyoming Filing Tip

Request Denver-area comps explicitly when Wyoming dealer data is thin; appraisers accept Denver as the nearest reliable proxy.

What Drives DV Settlements in Wyoming

Comparable sales of similar wreck-free vehicles in the same regional market, paired with a USPAP-compliant report citing repair severity and structural damage.

How to File a DV Claim in Wyoming

1
Complete repairs at a licensed body shop and obtain a complete itemized repair invoice with all OEM/aftermarket part designations.
2
Order a USPAP-compliant diminished value appraisal report grounded in Cheyenne-area comparable sales (TOP-DV delivers within 24 hours for $249).
3
Submit a written demand to the at-fault driver's insurer with the appraisal attached, citing Wyo. Stat. §1-3-105(a)(iv) and Town of Jackson v. Shaw (Wyo. 1977).
4
If the carrier refuses or counters low, invoke the appraisal clause in writing.
5
Settlement typically reached within 4-10 weeks once a credible appraisal is on file.

Escalation: Wyoming Department of Insurance

File a complaint with Wyoming Department of Insurance

https://doi.wyo.gov/consumers

If the at-fault carrier refuses to negotiate after receiving a USPAP-compliant appraisal, file simultaneously with the state DOI — this regulatory pressure routinely accelerates settlement.