The one thing your employer is hoping you never find out: workers' comp is not always the only claim.

1. If a coworker or the employer caused it, workers' comp is usually the only claim.

Wyoming's exclusive remedy rule usually blocks a lawsuit against the employer when the injury happened in the course of the job. That means if she was working in Casper and a company driver, company vehicle, or another employee caused the crash, the main path is a Wyoming workers' compensation claim through the Wyoming Department of Workforce Services, Workers' Compensation Division.

Workers' comp should cover reasonable medical care, including ER evaluation, fetal monitoring, OB follow-up, and pregnancy-related injury treatment tied to the crash.

2. If the tow truck driver was not her employer or coworker, she may have a separate injury case.

If this was an outside towing company, roadside contractor, delivery driver, or another non-employee, she may have a third-party personal injury claim on top of workers' comp. That is the dual-track situation many people miss.

So she may have both:

• a workers' comp claim for wage loss and medical care
• a third-party claim against the tow truck company or driver

3. Get pregnancy care documented immediately.

After any crash during pregnancy, the records need to clearly connect the collision to the symptoms. In Casper, that often means Wyoming Medical Center or OB follow-up as fast as possible. Ask for records showing contractions, abdominal pain, bleeding, reduced fetal movement, placental concerns, and monitoring results.

Those details matter in both claims.

4. Report it the right way and preserve evidence.

She should report the work injury to the employer right away and make sure a formal workers' comp report is filed. Also get the police report, tow company name, photos, witness names, and any dash-cam footage - especially during back-to-school traffic near school zones and bus stops, where fault fights start fast.

5. Watch the deadlines.

A third-party injury claim in Wyoming generally has a 4-year statute of limitations from the crash date. Workers' comp deadlines are much shorter, so do not treat this like a regular car claim and wait.