How to Track Your Kemper Auto Insurance Claim in 2024 (5 Simple Steps)

To track your Kemper auto insurance claim, start by calling 1-800-353-6737 to report your incident and receive a unique claim number.

If you call 1-800-353-6737 and give your special claim number, a person who helps with claims will assist you directly. Usually, each claim is done in about 20 days, so it gets solved quickly. Find out how to file an auto insurance claim efficiently here.

Kemper’s program also lets you choose approved repair shops, which gives more ease and maybe a lifetime fix guarantee. You will stay updated at all times with regular messages about your specific situation. Explore your auto insurance options by entering your ZIP code today.

Your Guide to Tracking a Kemper Auto Insurance Claim

Managing your Kemper auto insurance claim is simple with obvious steps made for being efficient and easy. When you follow these steps, it helps you know what’s happening with your claim and talk well to the Kemper support team.

Step #1: Start Your Claim with a Call

Call Kemper’s claims line at 1-800-353-6737 quickly to report your incident. Give the person on phone all important details about what happened, like date, time, place, and any other people involved. Learn what happens if the fault can’t be determined after a car accident and how it impacts your claim.

Auto Insurance Average Claims Length by Provider

This first call is very important because it starts your claim in Kemper’s system and gives you a special claim number. You should keep this number safe for any questions or updates about your claim later on.

Step #2: Connect With Your Claims Representative

After you make the claim, Kemper gives you a claims representative for your case who helps you in every step. This person is your main contact and can answer questions and explain what to do next. Compare the roles of auto insurance agents vs. brokers to make an informed decision.

Whether it is organizing repairs or setting up appraisals, they make sure you stay updated about everything going on. They might also get an appraiser to check the damage, depending how complicated your claim is.

Step #3: Receive a Status Update

For regular updates, you contacting Kemper’s auto insurance claims department with your claim number is good. You can talk to the representative who handles your case.

Ways to Track Your Kemper Auto Insurance Claim

Usually, each claim might take about 10 to 30 days for them to process it. Your representative will inform you about important progress or any required documents during this period. It is good to keep communication open, so please feel free to ask for updates if needed.

Step #4: Arrange for Repairs

After approval, Kemper offers choices for where to repair, including a special set of approved repair shops. Choosing one shop from Kemper’s network can make things faster because these places understand the insurance needs very well and often give lifetime guarantees on their repairs.

Kemper Auto Insurance Monthly Rates vs. Top Competitors by Driving Record

You are able to choose your own repair shop, but it is very important to look at the coverage details first. Doing this helps you stay away from possible delays or extra charges that might come out of your pocket. Learn how many car repair estimates you should get before choosing one to make the best decision.

Step #5: Finalize the Settlement

After fixing is done or if payment given, Kemper will subtract your deductible from the settlement amount. For vehicles with loan, note that any checks for settlement might have lienholder’s name on it too.

Please talk with the representative about final settlement details. Make sure every cost and repair is included, and your vehicle gets back to you in good condition.

Read more: How do I file an auto insurance claim with Kemper?

How to Track the Progress of Your Auto Insurance Claim With Kemper

When you initially file a claim with Kemper, the company will allocate a representative to handle the process from start to finish. They may also get assistance from an appraiser along the way.

You’ll get a claim number, which will be your reference if you need to contact the company to check the status of an auto insurance claim. You can reach your claims representative by calling the toll-free claims department number during business hours.

It Helps to Understand the Kemper Insurance Claims Process

Kemper has a toll-free number that will connect you with a First Notice of Loss (FNOL) adjuster when you initially report a claim. You need to provide the representative with full details about the incident and any other involved parties. Do you need to file a police report after an accident? Not necessarily, but it may help to provide a police report, especially if there was a dispute about who was at fault.

Consider adopting these habits from @NHTSAgov to help keep yourself focused and safe while on the road: pic.twitter.com/7C3hs4UVBb

— Kemper (@KemperInsurance) August 27, 2024

An adjuster may contact some of the parties, review the policy and determine who was at fault. Sometimes, this process can take some time, depending on the complexity of the claim. However, the adjuster will do their best to expedite and provide the policyholder with their decision as soon as possible.

What to Do When Your Kemper Auto Insurance Claim is Approved

You can choose whether to repair your car or receive the funds instead. However, if you lease your vehicle from a finance company, that company may insist that you repair the car.

You can also choose a repair shop, although it may sometimes be beneficial to go with a facility that’s within the company’s approved network. This can sometimes expedite the process, and you may be able to get a lifetime guarantee from an auto shop within the approved network.

Repairs on your vehicle could often begin as soon as Kemper sends them a referral, but if insurance won’t pay the repair shop’s quoted price, you may have to find a different shop, which can slow down the process.

You Can Check the Progress of Your Auto Insurance Claim With Kemper

When you file an auto insurance claim with Kemper, the company will assign a representative to handle your case. You will also get a claims number at that time. If you want to check the progress of your case at any point, you can call the company’s toll-free number, quote your case number, and talk to your representative for an update.

A Reddit user talked about their time with Kemper’s claims process, saying it was good even though they have an Allstate policy and got into an accident with a driver insured by Kemper. The user pointed out that Kemper has many management levels to handle complaints, but in their case, there was no need to take the issue higher up.

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byu/WannabeElitists from discussion
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The Kemper adjuster gave better service than their own Allstate adjuster and managed the claim well. Their car was checked and paid for fast, and they got money back for the rental quickly too. This made them very happy with how quick Kemper responded. If you want coverage to drive legally, enter your ZIP code to compare cheap auto insurance quotes near you.