What happens if I disagree with Kemper’s decision on my car insurance claim?

If all goes well, an insurance claim ends in a settlement payment that’s suitable for the accident. However, sometimes insurance companies don’t create estimates, fault decisions, or settlements that policyholders agree with.

Other times, it may deny a claim altogether. Look at the best car insurance companies for paying claims, and learn more below about what happens if I disagree with Kemper’s decision on my car insurance claim.

Here’s What Happens if You Disagree With Kemper’s Decision on Your Car Insurance Claim

Insurance companies like Kemper typically decide who is at fault in an accident. It may lower the settlement offer or deny your claim altogether if it decides that you are partially or entirely at fault in an accident.

What happens if I disagree with the insurance company’s decision on my claim? If you disagree with the findings, it’s important to request an official report of the denial of your claim and the reasons for it. You can then gather specific evidence about the accident and the after-effects.

This can include police reports, accident photos, doctor’s notes and medical bills, repair shop estimates, and more. With documents like these, you can seek to file an appeal of the decision and request Kemper take a second look.

Other driver insurance companies may also disagree with at-fault decisions. If this happens, a case may enter arbitration, a lengthy process where a third party will look at the evidence and decide. As stated in the contract, you typically aren’t allowed to bring Kemper to a claims court with a jury.

Read more:

• How long does It take for Kemper to process a car insurance claim?
• What documentation do I need to file a car insurance claim with Kemper?
• What happens if I disagree with the insurance company’s decision on my claim?
• What happens if the other driver disputes who is at fault in the accident?

What Happens if You Disagree With Kemper’s Decision on Your Car Insurance Claim After a Settlement Offer

At other times, Kemper may process the claim but offer you a smaller settlement than you were expecting, one that’s not enough to cover repairs or injuries. The settlement offer isn’t entirely final, but as the policyholder, you must reject the offer and make a counteroffer.

Making a counteroffer requires plenty of evidence for your settlement amount, and there is no obligation for an insurance company to accept it.

However, you can strengthen your argument by providing repair shop and medical records, doctor testimonials, and a report from an independent claims adjuster who has also examined the evidence. In addition, you can learn more by studying our Kemper Specialty Insurance review.

Tips on What Happens if You Disagree With Kemper’s Decision on Your Car Insurance Claim

If Kemper has denied your claim, there are a few points to keep in mind:

• Kemper reports one of the most common causes of denial is missing payments, so keep up your insurance premiums.
• Other causes include failure to list all regular drivers or anyone in the household over 14 on your insurance profile.
• You also cannot use a personal vehicle for business uses under Kemper insurance.
• If you keep your car at a different address, like a friend’s garage, Kemper may also deny your claim because of their car insurance requirements.

If you are filing an appeal or disputing any of these claims, consulting with an attorney specializing in insurance and claim disputes is a very good idea. They can help you make the right decisions and contact third-party claims adjusters.

Read more: What should I do if my car insurance claim is denied?

Case Studies: Disagreements With Kemper’s Car Insurance Claim Decisions

Case Study 1: Disagreeing With Fault Decision

Mr. Johnson was involved in a car accident and filed a claim with Kemper for damages. However, Kemper determined that Mr. Johnson was partially at fault for the accident and offered a reduced settlement amount. Unsatisfied with this decision, Mr. Johnson decided to take action.

He requested an official report of the denial of his claim and the reasons for it. Mr. Johnson collected specific evidence to support his case, including police reports, accident photos, doctor’s notes, medical bills, and repair shop estimates. With these documents, he filed an appeal with Kemper, urging them to reconsider their decision.

In this case, the disagreement between Mr. Johnson and Kemper may require arbitration, where a third party would review the evidence and make a decision. However, according to the contract, bringing Kemper to a claims court with a jury is typically not allowed.

Case Study 2: Disagreeing With Settlement Offer

Ms. Rodriguez experienced a car accident and submitted a claim to Kemper. While Kemper processed her claim, they offered a settlement that was significantly lower than what she expected. The settlement amount was not sufficient to cover the repairs and injuries resulting from the accident.

Ms. Rodriguez, as the policyholder, rejected the initial settlement offer and decided to make a counteroffer. To strengthen her argument, she provided additional evidence, such as repair shop and medical records, doctor testimonials, and a report from an independent claims adjuster who examined the evidence.

It’s important to note that Kemper is not obligated to accept the counteroffer. However, by presenting compelling evidence, policyholders like Ms. Rodriguez can make a stronger case for a more suitable settlement amount.

Case Study 3: Denial of Claim

Mr. Smith was involved in a car accident and filed a claim with Kemper for the damages. However, to his disappointment, Kemper denied his claim entirely. Feeling that his claim was wrongfully denied, Mr. Smith decided to challenge Kemper’s decision.

He immediately requested an official report detailing the denial of his claim and the reasons behind it. Determined to prove the validity of his claim, Mr. Smith gathered compelling evidence, including police reports, eyewitness testimonies, accident reconstruction analysis, and expert opinions.

With the help of an attorney specializing in insurance and claim disputes, Mr. Smith initiated an appeal process. His attorney guided him through the necessary steps and contacted third-party claims adjusters to assess the case independently.

Challenging a denied claim can be a complex and lengthy process, often involving arbitration or legal intervention. Mr. Smith weighed the potential costs and benefits of pursuing his claim further and decided to proceed with the appeal.

Final Thoughts on What Happens if You Disagree With Kemper’s Decision on Your Car Insurance Claim

You can respond to a Kemper Insurance decision with a file to appeal or a counteroffer. However, the insurance company is not typically obligated to respond until you force arbitration with the help of an insurance lawyer.

This can be a lengthy, expensive process and involves fees for third-party adjusters, so it’s important to consider if it’s worthwhile. You can also compare car insurance by state, such as the best Texas car insurance, and decide if you want a different type of policy.