How does Kemper handle claims involving uninsured/underinsured motorists?

Subhead: Kemper handles claims involving uninsured/underinsured motorists similarly to regular claims. Start by filing the claim with the at-fault driver’s insurance company if they have insurance. If not, file your claim with Kemper. Your car insurance rates may increase depending on your coverage.

What You Should Know

• If you have uninsured motorist coverage with Kemper, you can file a claim with your insurance company if the driver who hit you doesn’t have insurance
• If you do not have this type of coverage with Kemper, you may have to sue the uninsured driver for any vehicle repairs and medical bills
• Adding uninsured motorist coverage to your policy is an affordable way to be sure you are covered

If you have your auto insurance with Kemper and were recently in a car accident where the at-fault driver didn’t have insurance, you are probably wondering, “How does Kemper handle claims involving uninsured/underinsured motorists?” 

Keep reading to learn what to do after an accident with an uninsured or underinsured driver, as well as related tips and advice about how to file a car insurance claim.

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How Kemper Insurance Handles Claims Involving Uninsured/Underinsured Motorists

Being in an accident is already stressful enough. Finding out that the person who hit you is uninsured or doesn’t have enough insurance can make a bad situation worse. If the other driver has insurance, start by filing a claim with their company. If they don’t have enough coverage (or don’t have insurance at all), you should file a claim with Kemper uninsured/underinsured motorist coverage (UM/UIM). 

As noted on the Kemper website, if you have UM/UIM coverage as part of your policy, you would file your claim as usual. After you pay any car insurance deductibles, Kemper will cover your vehicle repairs and any medical bills up to the limits of your policy.

How to File a Claim With Kemper for an Accident Involving Uninsured/Underinsured Motorists

To file a claim with Kemper, you will need:

• The Kemper policyholder’s name
• The Kemper policy number
• The description of the accident, and damages
• Information about the accident, including the date and time

You should also have the other driver’s name, contact information, and, if they have it, insurance company information.

What Happens When You Don’t Have Kemper Uninsured/Underinsured Motorist Coverage

If you don’t have uninsured motorist coverage on your Kemper auto insurance policy, you should still go ahead and file the claim on your collision insurance. It is a good idea to alert your insurance company any time there is an incident, even if the other driver doesn’t have insurance.

Kemper will still launch an investigation into the accident and may determine that the other driver is underinsured rather than uninsured. Depending on the outcome of the investigation, you might have to sue the other driver for your car repairs and any medical bills.

How to Add Uninsured Motorist Coverage to Your Kemper Policy

Uninsured motorist coverage is one of those expenses that can provide invaluable peace of mind. It’s also one of the car insurance requirements in many states but is optional in others. If you don’t have this coverage on your Kemper auto insurance policy or aren’t sure, reach out to Kemper Insurance customer service. 

If the agent confirms that you do not have it, you might want to add it to your policy. The amount you pay for this type of coverage will be far less than having to pay out of pocket for damages or attorneys’ fees if you need to sue another driver.

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Final Thoughts On How Kemper Handles Claims Involving Uninsured/Underinsured Motorists

It is frustrating to know that there are drivers out there who do not have car insurance coverage or drive without adequate provisions on their policy. If you are in a car accident with someone uninsured or underinsured, you should still report the incident to Kemper Insurance as soon as possible. 

If you have uninsured motorist coverage on your policy, the claim should proceed as normal. If not, Kemper will still conduct a thorough investigation and should try to help you as much as it can.

Frequently Asked Questions

How does uninsured motorist protection help you in case of an accident?

Uninsured motorist coverage helps pay for damages caused by someone who doesn’t have car insurance.

Did Kemper Insurance go out of business?

No, Kemper did not go out of business. However, Kemper is no longer writing new policies or renewing high-risk insurance policies in California.

What is the difference between uninsured and underinsured?

Uninsured motorist coverage protects you if you were hit by a driver who doesn’t have car insurance. Underinsured motorist coverage protects you if you are hit by a driver who doesn’t have adequate insurance coverage to pay for the damages or injuries.

Title tag: How Kemper handles claim involving an uninsured driver

Meta description: How does Kemper handle claims involving uninsured/underinsured motorists? If you have uninsured motorist coverage, Kemper will proceed with your claim as usual. Learn more.

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