Wyoming insurers are lobbying against a bill that would allow 3rd party bad faith cases. Basically, the idea is that if the insurance company for the other person does not pay your claim timely and fairly, you can then sue the insurance company directly. The insurers allege that this will cause rate increases and fraudulent claims.
Here is a simple idea: instead of worrying about that, how about paying claims timely and fairly? If the insurers pay the claims timely and fairly, do they really have anything to worry about? Probably not. Insurers only get into trouble when they do not follow the fair claims practices act for their state. If they follow the act and deal with people properly, then they wont have these issues to worry about.
But maybe that is just me.