If you’re in a crash:
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 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.