Kemper Insurance

I have Kemper for a couple of month and because I had galvanized pipes and a messy tenants they cancelled me. Guess they want only new homes and updates so they dont have to pay out any money for old pipe problem. In 25 years i have never had a problem. Just because i had a messy tenants with is not in my control
they cancel me?

I work in the insurance industry as a project manager. Kemper is by far and out the WORST company we have the displeasure of working with and for. They are cheap and the adjuster are terrible. Purchase policy at own risk.

Tried to cancel overpriced auto insurance from a package deal I have had for 5 years with my homeowners insurance. Asked for a more reasonable auto rate and was informed if I wanted out of that policy I would have to cancel both. What a rip off. Paying on time for 5 years and this is the response you get for being a good and loyal customer. No thanks, avoid Kemper!

Wow I seriously messed up I choose the wrong insurance because I was in a hurry got in a accident takes about 3 days to get a reply they don’t sent anyone to look a your car you use a app that says its sent but then you get a error Been 1 day since the guys said he would check to see if the app sent it I seriously messed up please choose the big name insurance companies they are quick to help you kemper from what I seen so far it’s going to be a while till I get my car fixed or better yet get any reply please choose any other insurance company read reviews importantly my life sucks at the moment I really regret my decision again my life sucks having to walk to my two jobs just because I can’t get a rental an things are tight my life really sucks thanks kemper for getting my car fixed they don’t even explain to you the process an I could not get over the phone a time table on when my car would be repaired :/​again my life really sucks right now thank you world for this

Kemper has the worst customer service of any company I’ve ever dealt with. Their customer service reps are rude, incompetent and act like they’re doing customers a favor by simply doing their jobs. Notices are sent late and the company sends rudely worded threatening cancellation notices BEFORE the premium is even due. We’ve been with Kemper for over 25 years, have never had a claim with them, and when I called to inquire about making some policy changes, the phone rep was insulting, unfriendly, and couldn’t answer basic questions. The only thing Kemper does well is drive good customers away!

I’ve had Kemper for about 17 years. I’ve had a handful of claims and they’ve always responded quickly and fairly. Unfortunately, a two auto accidents were my word against theirs, and Kemper always managed to arrange it so that at least I didn’t admit fault or have my rates go up. Recently we had water damage to our house. The representative was prompt and courteous and explained the process and has continued to work with me throughout the repairs. They arranged things so that the insurance covered everything except the deductible.
Additionally, ever few years I call around to find cheaper insurance for my house, car, and personal liability. I’ve found some similar prices at shady insurances, but never found a reason to switch.

Just saw this company on 60 minutes and let me tell you I would give 0 stars if I could. Y’all should be ashamed of yourselves for in essence «grave robbing.» Don’t not get insurance from Kemper. Don’t get insurance period because at the end of the day they are not going to pay!!!

I would give Kemper «–5». The only reason for giving 1 star is because it’s the lowest possible rating on Unilocal.My entire family has Kemper for auto and home insurance. We were recently involved in an accident. It is clearly fault of the other driver. He was driving on the wrong side of the road when he crashed into us.
We are currently in the claim processing stage. I don’t know how their claim representatives work, but so far it has been worst insurance company that I have ever dealt with.
Kemper sent a letter thanking us for choosing their affiliated body shop. It’s funny because when the rep called she instructed that I contact the body shop to arrange to have the shop order parts then schedule the repair because Kemper will be sending me a check for the repair. Kemper rep said because it’s an unaffiliated body shop that I must contact the shop. Hmm…
To make the matters worse, the adjusted estimate is $ 500 lower than the estimate the body shop gave and the amount doesn’t even include the internal components that might have been damaged. The check I am told would also be reduced by $ 500 deductible.
I am beginning to wonder, why do we have Kemper?
We had AAA previously. When we experienced an accident while covered by AAA, we don’t remember having to deal with the body shop directly let alone gaps in timely responses. I guess this is what you get for being covered by crappy insurance company.

I was rear ended by a Kemper Insurance client. I was at a stop light, and when the light turned green, I was about to go, when I was hit very hard by a big pickup truck, from behind. My car was a small two seater sports car with rear engine. The back was smashed in. The license plate was driven into the engine compartment. The engine light came on. I could drive it, but it sounded really bad. I took it to a highly rated local mechanic who has been my mechanic for 20+ years. He told me the mufler and catalytic converter were ripped off the engine. The engine mounts are cracked. The tail-​lights are no longer made by any parts maker. Short story, he says it is totaled. But Kemper sends an appraiser to the shop; she only looks at the outside body damage and gives an estimate of $ 2200, which is not even a fourth of the car’s blue-​book value. And that «offer» I dragged out of them after several weeks of calling them and asking them to deal with this and finally threatening to get a lawyer. If you are thinking to get insurance, think about what would happen if you make a mistake and cause someone else damage. Do you want your company insurance not to make themselves responsible for the damages, and possibly open you up to getting sued along with them? I hate the idea of getting a lawyer and starting a lawsuit; have never done it; but I see no other way out.

finally got the check but they take forever!

KEMPER INSURANCE is the most INCOMPETENT business I have ever encountered.
I was the victim of a hit and run by kempers insuree/​customer. The accident happened MAY 2ND, to date it is AUG 12 and the matter is yet to be close to being resolved.
Reasons they are incompetent:
—accident happened May 2^nd and they insist on documenting that it happened May 27… maybe so that they have a later date on record so they can take longer to respond to claim?
—My account has been handled by 3 diffrent agents, in 4 months, it seemed to be transferred to someone new every month or so… I have had to repeat my information to all 3 people on 3 diffrent occasions. They still havent spelled my last name right once.
—Agents at Kemper NEVER answer their phones during business hours, I called all week, 5 days to try to contact someone about my claim… nothing.
—Agents at Kemper DO NOT return phone calls, my calls on average were returned every 3 – 4 weeks. I have currently been waiting for a return phone call from Kemper Ins and it has been going on 4 weeks.
—It seems that every question Ive had regarding details to my situation or claim has been answered with a deflection answer. They all have given me basic robot answers… nothing that might actually help… basically stonewalled.
—Management is NO HELP, I am yet to recieve a phone call back from them.
—BAD CUSTOMER SERVICE!
—Their estimate of my damage was ¼…25% of what 2 other local body shops estimates were.
AT EVERY TURN IT HAS FELT THAT KEMPER INSURANCE DOESNT CARE ABOUT RESOLVING THE ISSUE IN A TIMELY MATTER.
THEY HAVE DRAGGED THEIR FEET TO AVOID PAYMENT AND LOW BALLED MY ESTIMATE.
THEY DONT RETURN CALLS… DISAPPEAR FOR WEEKS AT A TIME… HAVE BAD CUSTOMER SERVICE.
I am counting the days to have to NEVER DEAL with KEMPER INSURANCE again.
Agents I have dealt with…
Kara Young 214−210−2859
Patty Russell 1−800−456−1919 ex t 3116
Sandra Howard 972−232−3405 (Mngr)…NEVER returned my call in 4 months.

Ok, before I give this review I’ll start by saying that no, I do not work in any way for Kemper. You can believe that or not, and take my experience as such. I would normally only spend my time writing a review when something is horrible, but I’m making an exception.
I’ve had Kemper since I’ve owned my home (2 years). I went through a consultant I know personally, and Kemper had the best rates. My roof and gutters were damaged during a storm here recently and so I made the claim to Kemper. I have to say I was expecting a huge fight over the settlement amount, and a communication nightmare. Honestly, everything about my claim has been completely painless (except getting my mortgage company to endorse the checks, unrelated). Every time I call my contact (Ken) he answers the phone, and the payment was fair. I’m assuming all goes well from here, and will update if that is not the case
.
The only bad thing was that recently my policy renewed, and they bumped up my «wind and hail» deductible. Maybe I just got really lucky with my experience but thought I would share.

Horrible… I got rear ended my car got totaled by one of there customers, they contacted me once, I cannot get ahold of them I have been without a car for two and half weeks now. Rediculous. I want my fucking $ for my totaled car!

Awful. They were fine, until we needed them. Customer when they were unitrin, over five years, ran into a car who ran a red light in my husbands f250 diesel. The other car was a total loss, and he of course didn’t have insurance. Long story short– I informed my insurance that he ran the red light and I could’t stop in time, and he said he did not run a red light– so they decided it was ⁵⁰⁄₅₀ fault (what!!!), no investigation even though I said I wanted it escalated. Guy who ran red light also happened to be on parole so I’m sure was very trustworthy. By doing it this way, they didn’t have to pay for his car (which they would have if I was 100% at fault), didn’t have to provide us a rental for over two months that it took to fix my husbands truck, and didn’t have to pay my deductible or depreciation for the frame damage on the truck (that would have all been under MY uninsured motorist that I make sure I pay extra for). Lucky them huh? Unlucky me, needless to say I am no longer with them. They are not worth it, and not the cheapest either.

Dealt with Kemper to have them pay for a rear end collision caused by their insured. I have to say that my experience with the woman (I will not mention her name, but have written a letter to management) who was the claims adjuster I was assigned was awful. She was rude, impatient, and seemed downright demeaning in our first conversation. She asked me to call back with some information and said she would be there, expecting my call, and would answer or, at worst, call me back before she left for the day. When I called about 15 minutes later, I left a message, and then called her every 30 minutes for the next couple hours. No answer; no call back. My follow up calls/​emails with her were about as bad and it truly appeared that she made little concerted effort in reaching her client to obtain a statement so the claim could be verified, nor was she interested in giving me any information or status. Calls not returned. No response to emails. I took it upon myself to contact the driver of the car, and work to connect her to someone at Kemper who would take her statement. The driver said she had left several messages for this claims agent as well.
The people who erased my negative feelings about Kemper are Melanie & Ryan. Melanie was another claims agent to whom I was routed twice randomly when I could not reach my agent via phone. She was amazing. In fact, I recommend that she be promoted to management. By the time I reached her BOTH times, I was very exasperated and had lost my patience. She immediately put me at ease and talked me off the ledge of frustration, demonstrated that she knew about my claim, the status, communications between all parties, and next steps. She explained the processes to me and what I can expect and when! She was absolutely delightful and Kemper is extremely fortunate to have her in this position. Without her, I would have given Kemper negative stars.
Ryan, the other bright star, was the insurance appraiser assigned to inspect my vehicle. He went out of his way a couple of times to meet me at my office to inspect the car at my convenience. He was very communicative, informative, and tenacious.

This is one of the worst companies I have ever had to deal with. Although their client was 100% liable (it was a hit and run where the girl was found and arrested), Kemper avoided me at all costs in order to skip out on paying me. I was transferred to over 8 people and each new person would not answer their phones, return my voice mails, or answer emails. It has been months and they are still giving me the run around. If they are this incompetent to new customers I can only imagine how they treat their clients.

Two huge problems: incompetence and lack of communication. Since they have different departments in different states working on the same claim there is a lack of communication amongst departments resulting in flagrant and unforgiveable errors. I received unprofessional mail correspondence from them as well as spoke to an INSANELY rude agent. I will be telling all my family and friends to never use Kemper or Unitrins for insurance. The quality of this business is so poor I’d give them .5 a star or less if they could. Their clients should immediately switch to another company.