If you’re in a crash:
- Call 911 if there is an injury
- 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.
- Gather all data and submit information in the form below.
- If you cannot collect all the information below, call Member Services for assistance.
- 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.
Submit Crash Information:
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, you will be assessed a Unsafe Driving Damage Fee of up to $250 to cover the cost of repairs.
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 crash was your fault you may be charged up to $250 Unsafe Driving Damage Fee. Member Services will let you know if that’s the case.
If you cause “at-fault” damage, 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 are at-fault for the accident, and you will be assessed a damage fee up to $250.
Example B: A distracted driver rear-ends you in your HOURCAR at a stoplight. You are not-at-fault for the crash, and all damages are covered by insurance at no cost to you.