Frequently asked questions about auto insurance
Q1. Do I really need auto insurance?
A1. Yes, all drivers need auto insurance coverage. In fact, it’s the law in most states. You’re required to carry a minimum amount of auto insurance. Often, you can’t even get an auto loan or lease unless you first show proof of insurance. Although many of the different coverage types are optional, liability coverage is mandatory in most states. Liability coverage may help you meet state driving requirements, however, you should consider buying higher levels of coverage to provide greater protection for you and others.
Q2. Is the state minimum requirement enough?
A2. In some instances, it may not be. While you must meet your state’s minimum coverage requirement, there are no specific rules regarding the amount of additional coverage you can buy.
Q3. How much auto insurance coverage do I need?
A3. It is impossible to know the cost of damage you might incur in an accident. However, you should base your coverage amounts on your vehicle, your personal assets and other factors. It is important to review these criteria carefully so you can align your auto policy with your lifestyle.
Q4. What do I need to consider when choosing auto insurance coverage?
A4. You should consider the following:
- Choose your coverage limits carefully. You might be personally responsible for damages that exceed the limits you select. Consider whether you can afford this possibility.
- Choose your deductible carefully. Choose one that you can afford to pay if an accident occurs.
- Check with your lending source or leasing company before choosing a policy. If you make payments on your car, you may be required to have comprehensive and collision in addition to liability coverage.
- Make sure the coverage is comparable to the vehicle you drive. It's wise to have higher limits for vehicles that can cause more damage, like large SUVs.
Q5. How high should I set my auto liability coverage limits?
A5. No one can predict exactly how much you would have to pay if you were to cause an accident. Ask yourself how you would pay for any damages exceeding your coverage limits. The higher your liability coverage limits are, the more expenses your auto policy may cover.
Q6. Should my auto insurance include collision and comprehensive coverage?
A6. Everyone’s insurance needs are different. Some prefer to carry as much coverage as possible; others prefer minimum coverage. You should base how much insurance coverage to get on your individual needs, your car and your lifestyle. Keep in mind, you may be required to carry collision or comprehensive coverage if your vehicle is leased or financed.
Q7. How high should I set my deductibles for collision and comprehensive coverage?
A7. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if an accident occurs. Ask yourself how much you would be willing and able to pay on short notice.
Q8. Do I qualify for a discount on my auto insurance?
A8. Discounts are determined by a variety of factors. Generally, your premium may decrease the longer you drive without having an accident or getting a ticket. Students with good grades may also qualify for savings. We also offer discounts for:
- Anti-lock brakes
- Anti-theft devices
- Automatic safety belts
- Driver training
- College kids away at school
- Multiple cars
Talk to your Independent Agent or a Kemper representative regarding the discounts available to you.
Q9. How are auto insurance premiums determined?
A9. Insurance companies base premiums on a variety of criteria. Insurers generally consider the following factors, among others:
- Driver age
- Vehicle type
- Coverage limits
- Driver residence
- Insurance score
- Personal driving record
- State laws
Frequently asked questions about claims
Q1. What should I do if I am in an accident?
A1. If you are in an accident, you should:
- Stop your vehicle. If you’re blocking traffic, or the location isn’t safe, move your vehicle to a safe place nearby. The law requires you to stop; failure to do so could result in a ticket or a warrant for your arrest.
- Make sure everyone is safe. If necessary, call 911 for medical assistance.
- Never admit fault. The fault of an accident is not always clear and admitting fault when questionable or incorrect may have negative consequences.
- Exchange contact information. Exchange names, addresses and phone numbers with all parties involved in the accident and with any witnesses present.
- Get additional information. Get the license plate numbers, insurance company names and policy numbers for all vehicles involved in the accident.
- Call the police and let them decide if they should come to the scene. It’s especially important to contact the police if the accident involves injuries, a hit-and-run or a dispute about liability.
- Cooperate with the police by giving them accident details and answering their questions. Be sure to get the names and phone numbers of any officers on the scene, as well as the number of the police report.
- Take pictures. If you have a camera with you or on your cell phone, take pictures of the accident location, damage to all the vehicles or property involved and other relevant details of the accident scene.
- Call a tow company if your vehicle isn’t fit to drive. Get the name, address and phone number of the company. You are responsible for your vehicle and where it’s repaired. You can decline service from unsolicited tow operators who arrive at the scene, and you can choose where your vehicle is towed.
- Report the incident to Kemper as soon as possible.
Q2. How do I report an accident to Kemper?
A2. There are two ways:
- Online: You can report an accident online on our website, 24 hours a day.
- Phone: You can call a Kemper Claims Representative who will help you through the process and answer your questions.
Q3. What if I don’t have all the information?
A3. Don’t worry if you don’t have all the information when you report the accident. You can fill in details later. The important thing is to report the incident as soon as possible.
Q4. Where can I check on my claim?
A4. You can track the status of a filed claim online by logging in to the Manage My Policy section of kemper.com or call your Kemper Claims Representative.
Q5. What information is provided on the ”Claim Details”page?
A5. The Claim Details page in the Manage My Policy area of kemper.com displays your claim status, details on the vehicles involved in the accident, claim payment information, contact information for your Kemper Claims Representative and other information regarding your claim.
Q6. How soon will my claim information appear online?
A6. After we’ve received information on your accident, your claim information will appear online the next business day.
Q7. How often will my claim status be updated?
A7. Claim statuses are updated each weekday evening.
Q8. Am I responsible for a deductible or a portion of the claim?
A8. Your Kemper Claims Representative will research your policy to determine whether you are required to pay a deductible, and if so, how much.
Q9. When will someone inspect my damaged vehicle?
A9. A Kemper Claims Representative will inspect your vehicle as quickly as possible after you report your claim.
Q10. How long will my claim information stay online?
A10. After a claim is closed, information regarding that claim will remain online for three years.
Q11. What happens if my vehicle is a total loss and I do not have comprehensive or collision coverage?
A11. If you do not have comprehensive or collision coverage, commonly referred to as physical damage coverage, damage to your vehicle is not covered by your policy.
Q12. After an accident, where should I take my car for repair?
A12. You can take your car to any repair shop. If you don’t have a repair shop, consider using one of our preferred facilities. These repair shops will provide quick, quality work at a fair price.
Q13. What do I do if my car is vandalized and something is stolen from my car?
A13. You should:
- Call the police as soon as you see your car has been vandalized and/or items have been stolen, and make a report.
- Report the incident to Kemper as soon as you can. Most likely you'll find damage to either a window or a lock if the vandals broke into your car, and your Auto policy should cover the damage.
- Be prepared to describe the details of the items you lost when filing your claim. Items stolen from your car are usually covered under your Kemper Home or Renters insurance.
Q14. What happens if my windshield needs to be repaired?
A14. Damaged windshields create unsafe driving conditions. Fortunately, windshield repairs and replacement are covered when you choose our Comprehensive coverage.
Q15. What should I do immediately after a catastrophe?
A15. Most importantly, protect yourself and your family. When possible, protect your property from further damage. Then, report the damage as soon as possible.
Q16. How long will it take to complete my claim after a covered catastrophe?
A16. The length of the claims process depends on many factors, but our goal is to settle your claim as quickly as possible.
All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Furthermore, the products and prices of our various Kemper business segments differ. Coverage is subject to individual policyholders meeting the applicable underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.