Insurance Form

Insurance Card

If you’re in a crash: 

  1. Call 911 if there is an injury

  2. Share proof of insurance. The State of Minnesota allows for insurance cards to be shown digitally, in addition to the paper copy located in the glovebox. All drivers are required by Minnesota law to be insured and proof of insurance is required by all parties. If you are reporting a hit and run, and you did not witness the crash, please state so in the description field. 

  3. Gather all data and submit information in the form below. 

    1. If you cannot collect all the information below, call Member Services for assistance.

  4. Call Member Services at 612.343.2277 for how to proceed. 

You must get confirmation from Member Services before resuming your trip. Our staff will tell you if it is safe to continue driving.

  • Insurance is included with your membership. HOURCAR members are covered by our comprehensive policy, with no out-of-pocket costs for damages; however, if you are driving unsafely at the time of a crash, you will be assessed an Unsafe Driving Damage Fee of up to $250 to cover the cost of repairs. Examples of unsafe driving behavior include, but are not limited to, excessive speeding, driving while using a handheld device, and aggressive driving.

  • Your account will be temporarily suspended until we receive all crash details and review the incident. Your account will quickly return to good standing as long as you continue to communicate with us about any further details we need for our insurance. If there was unsafe driving behavior from you at the time of the crash, you may be charged up to $250 Unsafe Driving Damage Fee. Member Services will let you know if that’s the case.

  • If there was unsafe driving behavior from you at the time of the crash, you will be assessed a damage fee of up to $250 to cover the cost of repairs.

    Example A: You are driving an HOURCAR while distracted and you rear-end another car at a stoplight. You were using a handheld device while driving, and you will be assessed a damage fee up to $250.

    Example B: An icy road means that you are unable to stop in time and you rear-end another car at a stoplight. You did not have any other unsafe behavior, so all damages are covered by insurance at no cost to you.