On October 18, 2024, the Wyoming Department of Insurance (Department) issued Bulletin No. 10-2024 regarding motor vehicle insurance coverage and criminal acts.

The Department is aware that insurers may be attempting to deny liability coverage as a policy exclusion where the insured caused injury or damage to uninvolved third parties while operating a motor vehicle in commission of a criminal act. The bulletin explains that the insurer's responsibility regarding liability coverage as to the innocent third party is absolute and may not be denied or modified once liability has been incurred. However, the bulletin also indicates that the motor vehicle policy may contain language allowing insurers to seek reimbursement, as specified.

Please see Bulletin No. 10-2024 for more information. For any questions regarding the bulletin, please contact the Department Staff Attorney at 307-777-7401.