Insurance for HOURCAR Drivers

If you’re in an accident:

  1. Call 911 if there is an injury.
  2. Call Member Services and notify us: 612.343.2277
  3. Share proof of insurance (click here for the PDF)
  4. Get the insurance and contact information of the other party and email it to info@hourcar.org

Insurance Questions

How does insurance work?

Insurance is included with your membership. HOURCAR members are covered by our comprehensive policy, with no out-of-pocket costs for all “not-at-fault” damages; however, if you cause “at-fault” damage to an HOURCAR, you will be assessed a damage fee of up to $2,000 to cover the cost of repairs, unless you are enrolled in a PLUS plan.

Does a crash affect my membership status?

No, we understand that accidents are just that – accidental! Your account will remain in good standing as long as you continue to communicate with us about any further details we need for our insurance. If the accident was your fault and you’re not on a PLUS plan, you may have to help out a bit with the costs of repairs. Member Services will let you know if that’s the case.

What is a damage fee waiver (PLUS plan)?

Using a Damage Fee Waiver

All PLUS plans automatically include a Damage Fee Waiver. You can not get a Damage Fee Waiver (ie: deductible reduction) without being on a PLUS plan. A PLUS plan can be used to waive a member’s damage fee for an incident that results in “at-fault” vehicle damage to an HOURCAR. HOURCAR members are covered by a comprehensive insurance policy, with no out-of-pocket costs for all “not-at-fault” damages to HOURCARs, including personal injury and property damage coverage. Selecting a PLUS plan does not affect this insurance coverage; however, if you cause “at-fault” damage to an HOURCAR, you will be assessed a damage fee to cover the cost of repairs, unless you are subscribed to a PLUS plan.

Example A: You are driving an HOURCAR while distracted and you rear-end another car at a stoplight. You are at-fault for the accident, and you will be assessed the deductible. You can either pay the fee in full, or if you are on a PLUS plan, your fee will be waived. If your credit card offers rental insurance, you will have to arrange coverage with them.

Example B: A distracted driver rear-ends you in your HOURCAR at a stoplight. You are not-at-fault for the accident, and all damages are covered by insurance at no cost to you.

To apply a damage fee waiver to at-fault vehicle damage, you must contact us to report the damage within 24 hours of an incident. You may then re-enroll in the program by purchasing a new damage fee waiver to cover you until your PLUS plan renews. A new damage fee waiver costs $5 for one month and is valid for up to 30 days.

We strongly recommend that all members purchase a damage fee waiver via a PLUS plan. Accidents don’t happen often, but they’re almost always expensive. Seriously, it’s a good idea.


Purchasing a Damage Fee Waiver

New Members can purchase a damage fee waiver by choosing any of our PLUS plans during signup. The cost of the damage fee waiver is included in your PLUS plan membership fee. The damage fee waiver will become valid immediately after it has been charged to your account. Damage fee waivers are non-refundable.

Existing Members can switch to a PLUS plan by logging in to your account, or by contacting us at info@hourcar.org or (612) 343-2277 to switch your account to a PLUS plan. Damage fee waivers/PLUS Upgrades are non-refundable.


Automatic Waiver Renewal

PLUS plans will automatically renew 30 days after enrollment. You can opt-out of automatic renewal by changing your membership to a standard plan or by contacting us at info@hourcar.org or (612) 343-2277. All paid plans last for 30 days.


Do I pay for damages?

If you cause “at-fault” damage to an HOURCAR, you will be assessed a damage fee of up to $2,000 to cover the cost of repairs—unless you have a valid damage fee waiver from a PLUS plan.

 

Example A: You are driving an HOURCAR while distracted and you rear-end another car at a stoplight. You are at-fault for the accident, and you will be assessed a damage fee up to $2,000. You can either pay the fee in full or apply a valid damage fee waiver to nullify the damage fee in its entirety.

 

Example B: A distracted driver rear-ends you in your HOURCAR at a stoplight. You are not-at-fault for the accident, and all damages are covered by insurance at no cost to you.

 

To apply a damage fee waiver to at-fault vehicle damage, you must contact us to report the damage within 24 hours of an incident. You may then re-enroll in the program by purchasing a new damage fee waiver to cover you until your PLUS plan renews. A new damage fee waiver costs $5 for one month and is valid for up to 30 days.

Questions about driving

What if I get a ticket?

If you get a ticket, you are responsible for paying it. If you intend to contest the ticket in court, please contact us immediately. If an unpaid ticket is forwarded to HOURCAR, we will pay it and charge the cost of the ticket, any late payment penalties, and an additional fee to your account.

Can I use my phone while driving?

Starting in August 2019, holding a phone in your hand while driving will be against the law in the state of Minnesota—even when stopped at a traffic light. Infractions of the hands-free law will be considered a “minor traffic violation” in regards to HOURCAR’s membership qualifications. To learn more about the law, please visit handsfreemn.org

What happens if I am in an accident?

Contact us immediately at (612) 343-2277 if you’re in any kind of accident. If the accident is minor and we both agree the car is safe to drive, you may continue with your reservation back to the hub if you feel safe to do so.

If you are in an accident that results in injuries or major property damage, please call 911 immediately. When you are safe and able, please call us at (612) 343-2277 and our staff will assist you with next steps. If possible, please get insurance information from any other drivers involved, as well as any other pertinent information (such as names of responding police officers and police report information).

What if I notice damage before I start my reservation?

Before you begin your reservation and start driving the Hourcar, please inspect the vehicle for any damage. If you are using the HOURCAR app, you can upload photos of any damage you notice before starting your trip. Otherwise, make note of any scratches or dings, and report it to us. If you don’t report damage to us before your reservation and it is reported by other members later, you may be responsible for the damage.

Can my parents/siblings/friends/partners drive my Hourcar?

Only HOURCAR members in good standing can drive an HOURCAR. An HOURCAR trip will only open for the app or card of the member who has reserved the trip, but another active member can drive during the trip at the approval of the trip holder. Letting a non-HOURCAR member drive on your reservation is grounds for termination of membership.

What if the car isn't drivable?

Our team will help to determine whether you can drive the car and figure out roadside assistance or towing if not. We’ll also work with you to figure out how to get back home, even if you’re out of town.