If she handles this wrong, her own insurer may treat the claim like a paperwork problem instead of an injury claim and deny UM/UIM coverage that could have paid her medical bills, lost wages, and pain damages.

From the insurance company's perspective, they want her to think this is simple: the other driver had no coverage, so there is not much money available, just send records, give a statement, sign forms, and take what they offer. If it was a hit-and-run with no plate number after a busy holiday weekend on roads like US-26 or WY-789, they may suggest there is no claim unless the other driver is identified.

Reality is different.

In Wyoming, her own auto policy may include uninsured motorist (UM) coverage if the driver had no insurance or fled, and underinsured motorist (UIM) coverage if the driver only carried the state minimum, usually $25,000 per person / $50,000 per crash. Serious injuries can burn through that fast.

She should do these things right away:

• Report the crash to Riverton Police Department or the Wyoming Highway Patrol if that has not already happened, and get the report number.
• Tell her insurer she is making a UM/UIM claim, not just asking about benefits.
• Do not sign a release, recorded statement, or broad medical authorization she cannot read.
• Save photos, witness names, ER records, towing paperwork, and proof of missed work.

If the adjuster is pushing English forms she does not understand, she can demand translated explanations or have an interpreter on the call. "Just sign here" is how people damage these claims.

Wyoming's general injury deadline is 4 years from the crash date, but her policy can require much faster notice. If it was a hit-and-run, the insurer will look hard at whether there is prompt police reporting and proof that another vehicle caused it.