A Comprehensive Guide to Kemper Car Insurance Claims
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Experiencing a car accident can result in many different hardships that can complicate your life. Having to be suddenly responsible for unforeseen expenses like medical bills for emergency room and specialty services, vehicle rental and repair costs, and mounting credit card debt that you accrued while being unable to work while you heal. Filing a claim with the at-fault party’s insurance company or your provider can be a stressful and exhaustive process.
In California, drivers are required by law to carry a minimum amount of coverage for themselves as well as for their passengers and other drivers who may not have sufficient coverage. Known as Infinity Insurance Agency in California, Kemper Insurance can be a great option for drivers of reconditioned vehicles, drivers with international licenses, and even affordable SR-22 options for suspended, revoked, or unlicensed drivers. Retaining a reputable car accident lawyer with Text Kevin Accident Attorneys can assist you in filing claims or legal action if you are a customer of Kemper or are involved in a collision with a driver covered by Infinity Insurance.
TABLE OF CONTENTS
Is Kemper a Good Insurance Company?
As with many insurance companies, customers and policyholders do not tend to leave positive reviews when they have a good experience. However, Bankrate still gives Kemper Insurance a rating of 3.3 out of 5 with its offerings of nonstandard insurance coverage. As of August of 2023, Infinity Insurance Agency, Kemper’s division in California will be altering their nonstandard division to Kemper Auto.
For drivers who are having difficulty obtaining traditional insurance, Kemper Auto can still provide coverage for customers through an SR-22. This can be advantageous for drivers with canceled policies or who are considered high-risk due to license suspensions or revocations. The SR-22 is a certificate of financial responsibility that allows drivers who otherwise could not get insurance to become covered by proving they can financially meet the minimum requirements for bodily injury and property liability under California Insurance Code§11580.1b.
It should be noted that, as of August 2023, standard and preferred customers have been having their preferred policies canceled due to the transition from Infinity Insurance Agency to Kemper Auto. Kemper is adhering to state laws by providing holders of preferred policies notice of these cancellations between 30 and 60 days of their policy expiration. This offers customers the appropriate opportunity to renegotiate their policy terms.
Note
With the change in corporate structure from Infinity to Kemper Auto, their life insurance division, Kemper Life, should not be affected by this change.
How Do I Contact Kemper in California?
Contacting Kemper Insurance can be as simple as calling an agent via their toll-free number at 800-782-1020 and pressing option 3 for the customer service department. If you are a commercial auto insurance policyholder, you may call 800-722-3391 for customer service. For claims as a personal or commercial auto policyholder, you can call 800-3KEMPER (800-353-6737) to speak with an agent.
Kemper also offers a contact sheet for consumers that can be found on their website. Their contact page also offers a dropdown box to select an insurance product such as personal or commercial auto policies that will provide the appropriate email address for your specific application. You can also find their physical and mailing addresses should you wish to contact them through traditional postal services.
When choosing to file a claim for your car insurance policy, be sure to connect with your top-rated car accident lawyer before contacting an agent. Even if you are filing a claim against an at-fault party’s insurance, speaking with your dedicated personal injury attorney may be advisable to avoid saying anything that could reduce your claim. The legal team with Text Kevin Accident Attorneys can advise you on what is acceptable to share with the insurance agent at Kemper to protect yourself and maximize your claim.
How to File a Claim with Kemper Insurance?
Whether you have suffered a minor or catastrophic injury, consulting with your experienced car accident attorney at Text Kevin Accident Attorneys can help you understand how to begin the claims process. As with all insurance companies, Kemper is in business to make money and their bottom line will suffer whenever they have to pay out on a claim. Speaking with your attorney before beginning the claims process may streamline the process.
Under California Insurance Code – INS § 11580.1, California uses fault insurance laws. To you, this means when you sustain injuries due to another’s negligence, your claim will be filed against the at-fault party’s insurance policy. Having your car accident lawyer advise you on your first and subsequent steps can optimize your opportunities for recovering maximum compensation.
After consulting with your attorney, you can contact your insurance agent with Kemper Insurance via their 800 number. If you choose to speak directly with an agent, it can be highly advisable to make it a conference call with your lawyer present on the call. Kemper also allows smartphone users to download their app via the appropriate application system for their cell phone.
Tip
To help the claims process progress at a reasonable pace, keep your records and information from the collision readily at hand. These records should include the date and time of the accident, the presumed liable party’s name, address, vehicle information, and insurance details to provide to the appropriate agent. Having an accessible copy of any police reports or medical information can also be an invaluable resource in the claims process.
Your Rights When You File an Insurance Claim with Kemper
Consulting with Kevin Crockett and his team of zealous lawyers at Text Kevin Accident Attorneys can assist you in knowing and understanding your rights when dealing with Kemper Insurance. Knowing your rights after an accident where you suffered injuries is the best armor you can have to protect yourself. California highlights your accident victim’s rights through the California Department of Insurance including:
- Low settlement offers that do not adequately address your damages
- Denial of claims based on invalid facts
- Offering settlements to avoid their responsibility to victims
- Attempting to avoid responsibility by claiming the victim caused the collision
- Detailed reports of why your claim may be denied
- Quick and practical responses to your claim and recovery of compensation
You do have the right to be made whole after suffering debilitating injuries because of reckless or negligent actions of liable parties. Especially when sustaining life-changing injuries such as traumatic brain injury, liable parties should be held to account. Retaining an experienced and strategically aggressive legal advocate with Text Kevin Accident Attorneys can protect your rights to fair and just compensation.
How Long Do You Have to Report an Accident to Kemper Insurance?
Under California state law, you have just two years to file a civil action for personal injury claims according to their statute of limitations. However, private insurance providers can set their own time limits for their policyholders. These limits should be able to be found in the full text and fine print of your specific policy.
Your ideal course of action may be to consult with your personal injury attorney so they may review the details of your policy or the policy of the driver who struck you. Your lawyer can verify the specific legal language of your policy to adhere to Kemper’s guidelines and file suit promptly if necessary. Our legal team at Text Kevin Accident Attorneys has been handling car accident and personal injury claims in California for years and we understand how to address your damages promptly and fully.
Is Kemper Good at Paying Claims?
While all individuals will have a different experience when dealing with insurance companies, there are metrics we can look at to assess consumer satisfaction. The J.D. Power US Auto Claims Satisfaction Study for 2023 has Kemper at the bottom of the list. This may give consumers pause when selecting Kemper as their preferred insurance provider.
Kemper does seem to excel as a provider for individuals who are having trouble finding affordable insurance options. With their willingness to work with consumers that other companies identify as high-risk, Kemper can still be a viable option for these drivers. Kemper also offers policies for less-than-qualified drivers under California’s SR22 certificate which confirms an individual’s ability to financially cover the insurance requirements detailed by the California Department of Insurance.
Pro Tip
You should never take an initial offer from any insurance company without a thorough review by your lawyer with Text Kevin Accident Attorneys.
How Long Does Kemper Take to Pay a Claim?
Insurance claim payments may vary considerably between cases. Every car accident will have its own unique set of circumstances which can affect the time it takes to pay a claim. This is another major benefit to retaining your car accident attorney with Text Kevin Accident Attorneys to show the insurance company that you are taking your claim and damages seriously.
How Much Does Kemper Pay for Bodily Injury?
Coverage for bodily injury will vary based on the policy held by the liable driver. Based on the California Department of Insurance, drivers in California are required to carry specific minimum amounts of coverage for injury victims. Each driver is lawfully required to carry $15,000 of coverage per person and $30,000 per accident.
While this coverage is intended to cover your medical expenses, it is rarely, if ever, enough to cover all of the medical costs you can incur from even minor injuries. Even a short ambulance ride can cost thousands of dollars to both the insurance company and the victims themselves. Fortunately for residents in California, a new law signed by the governor in late 2023 aims to address these unreasonable charges to victims.
How Do I Dispute a Claim with Kemper Auto?
Claim denials are an all too common occurrence in California and throughout the country. After all, insurance companies lose money every time they must pay a claim. Do not lose hope, however, because there are possible options available that your dedicated and resourceful car accident attorney can help you address.
Kemper Auto aims to address these problems and concerns that policyholders may have when faced with denial. They offer details regarding arbitration and pre-arbitration negotiations directly on their website. This is where legal representation from Text Kevin Accident Attorneys can be of immense value as it clearly demonstrates that we are not afraid to face a legal battle to obtain the compensation you rightly deserve, but that we can also negotiate to bring about a just conclusion for your case.
Frequently Asked Questions About Kemper Insurance
The confusion that arises when you are injured in a motor vehicle crash can leave you wondering where you can find answers. We have compiled a list of questions that are asked frequently by our clients. Text Kevin Accident Attorneys intends to address as many of your concerns here but we are also available to answer any questions you may have that directly relate to your specific case.
What is an insurance claim?
The basic idea of an insurance claim is your request for compensation for the damages you have suffered. This compensation is addressed through an insurance claim directed at either your policy or the policy of the individual or entity that is responsible for the collision.
When filing a claim against your policy, you may be faced with increased premiums when you attempt to renew your policy. You may even find your insurer resistant to renewing your policy at all. However, there are laws in place to prevent your insurer from increasing your costs when you are not responsible for causing the accident.
Can you file an insurance claim without a police report?
Due to California state laws, if the accident in which you are involved results in any injuries to any parties involved, or property damage exceeds $1,000, you must report the collision to the CA Department of Motor Vehicles. This will automatically generate a report that can accompany your insurance claim with Kemper. Essentially, if the accident warrants an insurance claim, it will likely have resulted in injuries or property damages that meet these standards.
How soon can you file a claim after getting insurance?
You may file an insurance claim as soon as you have purchased an auto insurance policy. You should be aware that your policy’s effective date must be before any vehicle collisions you are involved in.
Does insurance go up after a claim?
Increases in your insurance premiums may only be of concern when you are the driver who caused the collision. If you are not liable for causing the crash, it is illegal for Kemper to raise your rates. Kemper may also refuse to renew your policy if you have caused accidents while they were your insurer.
Can insurance deny a claim?
The simple answer is yes. However, they may not issue a denial without an investigation into your car accident. Retaining a reputable and detail-oriented legal advocate from Text Kevin Accident Attorneys can offer you an independent investigation that may be able to prove that your denial was unfounded.
Does Kemper cover rental cars?
Depending on the details of your specific policy, Kemper does offer an option to have the cost of rental cars reimbursed with limits to how much they will cover.
Connect With Your Top-Rated Car Accident Lawyer to Assist With Your Kemper Insurance Claim
Kemper could be a viable option for drivers who have found difficulty obtaining insurance coverage due to previous accidents, SR22 certificates, or driver’s license suspension or revocation. If you have been in a car accident with a liable party with Kemper Insurance, Text Kevin Accident Attorneys can help you negotiate a fair settlement or bring legal action against them for justice. You have a right to be made whole and receive just compensation for your suffering.
Our law firm is passionate and dedicated to seeking the just compensation you deserve. Our offices can be reached 24 hours a day, seven days a week. Call us today or fill out our secure contact form now to schedule your free, no-risk, no-obligation consultation.
Kevin received both his bachelor’s degree and law degree from the University of California, Irvine. He is the managing partner of Text Kevin Accident Attorneys and is recognized as a standout in plaintiffs’ litigation for personal injury law by Best Lawyers, the oldest and most respected legal peer-review publisher. Kevin has written for several law magazines and is an award-winning car accident lawyer in California.
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