Wyoming has no statutory bad-faith lawsuit, but what it does have is quietly powerful. The Supreme Court recognised a first-party bad-faith tort in 1990, a separate statute makes the insurer pay your lawyer and 10% interest if its refusal was unreasonable, and the state constitution forbids any cap on damages. You also get an unusually long run at it — ten years to sue on the policy itself.
Three listing slots on this page are available to attorneys licensed in Wyoming who handle disputes against insurers. Listings are paid advertising sold at a flat monthly rate. They are shown in the order they were purchased. We do not rank, score, endorse or recommend any attorney, and we have not assessed the quality of anyone’s work.
Referrals are reviewed by hand by a staff coordinator rather than generated automatically, and normally come back within one or two business days. The Bar's main line is 307-632-9061. Wyoming operates no certified-specialist programme, in insurance law or anything else. No Wyoming lawyer can be a state-certified insurance specialist, so judge them on their reported cases instead.
Worth checking before you spend money on a lawyer. Two different measures exist, and they are not interchangeable — one is a real payment record, the other is a complaint count.
Health insurers selling on the federal marketplace must report how many claims they received and how many they refused. The figures are public and free to inspect.
The spread is the point. Two insurers selling comparable cover in the same state can refuse wildly different shares of what they are billed for. Look your own up before you assume your refusal was routine.
Source: CMS Transparency in Coverage public use files, plan year 2023 experience. Self-reported by insurers and not audited. Covers federal-marketplace plans only — not employer cover, and not state-run marketplaces. Post-service claims only.
There is no free public figure showing what share of home or auto claims any named insurer pays. Insurers do report it to regulators, but in most states that filing is confidential. Any table you see online quoting payout percentages for property insurers is either a paid commercial product or an estimate.
What is public is the complaint index — how many confirmed complaints a company generates against its share of the market. 1.00 is average. 3.00 means three times the complaints its size would predict.
Complaint indexes are published by state insurance departments and compiled by the NAIC. Figures move with both the company’s complaints and the wider market’s.
W.S. § 26-15-124 puts a hard number on it. A life, accident or health claim must be accepted or rejected and paid within 45 days of the insurer receiving proofs of loss and supporting evidence. A property or casualty claim must be accepted or rejected and paid within 45 days of receiving the claim and supporting bills. Separately, § 26-13-124 makes it an unfair practice to fail to acknowledge communications promptly, to refuse payment without a reasonable investigation, or to demand the same documents twice.
The two statute numbers look almost identical and do opposite things. W.S. 26-13-124 is the famous unfair-practices list — and it gives you nothing you can sue on. W.S. 26-15-124 is the short, unglamorous one that actually pays your lawyer. In 2021 the Supreme Court widened its reach in Sinclair Wyoming Refining Co. v. Infrassure Ltd., 2021 WY 66, holding a policy is “issued for delivery” in Wyoming whenever the insured and the risk are here, even if the paperwork never was.
A complaint to the Wyoming Department of Insurance costs nothing, creates a written record, and sometimes moves a stalled claim on its own. It is not a substitute for legal advice and it does not pause any deadline — but there is rarely a reason not to do it first.
This page is information, not legal advice. Insurance law differs by state and changes often. Nothing here creates a lawyer–client relationship, and no page can tell you whether your own claim is worth pursuing. If a deadline may be close, speak to a lawyer licensed in your state now rather than later — several of the deadlines described here start running on the date of the loss, not the date your claim was refused.
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