If you’re an insured driver, it’s essential that you understand what insurance claims are, why they matter, and how to submit one to your insurance company. By reporting a claim, you’re creating a formal record of your incident that can provide detailed explanations of what occurred, including when and how the incident happened, who was present, who got hurt, and what pieces of property suffered damage. Kemper, one of the leading insurers in the country, makes it easy for its clients to submit claims using either an online form or by phone.
Learn more about the significance of Kemper auto insurance claims and how to submit a Kemper auto insurance claim.
What Is Kemper Auto Insurance?
Kemper is an insurance company that provides auto, health, life, and home insurance coverage with over 6.6 million policies licensed to sell in all 50 states. Kemper Auto, in particular, offers protection in the form of annual policies and roadside assistance, with coverage options ranging from basic to full so that you can get the right amount of protection for your assets and budget. Kemper Auto also offers various discounts to help reduce costs for customers, including:
- Advance Quote Discount
- Proof of Prior Insurance Discount
- Multi-Car Discount
- Paid-in-Full Discount
- Good Student Discount
- Military Discount
- Homeowner Discount
- Defensive Driving Course Discount
What Is an Insurance Claim?
An insurance claim is a formal report you can submit to your insurance company in the event of an incident where you experienced losses covered by your policy. For example, suppose you were to get into a collision that resulted in physical damage to your vehicle’s bumper and have physical damage protection for your car under your insurance. In that case, you could submit a claim to the insurer describing what happened as a request for the insurer to cover the repair costs.
In the past, making insurance claims was a long and frustrating process due to long waiting times on the phone. Now, more companies have transitioned to online claims reports, making the process much more efficient.
How Can I Submit Kemper Auto Insurance Claims?
Filing Kemper auto insurance claims is possible in two ways: online through its website or by speaking to an agent over the phone. Both methods require that you have some pertinent information on hand, including the date and time of your accident; descriptions of the incident, damages, and injuries; a police report, if you have one; and information about the Kemper-insured vehicle. If you decide to file your claim over the phone, call the 24/7 Kemper Auto & Commercial Vehicle hotline at 866-860-9348 and speak to an agent for assistance.
If submitting your claim online, follow these steps:
1. Provide Information for Person Reporting the Claim
When making an auto insurance claim through Kemper, the first step is to go to its report a claim page and navigate to the first section titled “Auto.” Click on this section to open up the actual claim page, where you’ll begin by entering your contact information in the “Person Reporting the Claim” area. This section is where the person making a claim report provides contact information, including first and last name, phone number, and email address.
2. Enter Kemper Policyholder Information
After providing your contact information, navigate to the next section, “Kemper Policyholder Information.” Here, you’ll have to enter the policyholder’s policy number and indicate whether the person reporting is the one covered under the policy. Then, enter the policyholder’s first and last name, address, city, state, ZIP code, and phone number.
3. Enter the Policyholder’s Vehicle Information
The next step is to enter the Kemper policyholder’s vehicle information. For this section, you’ll need the vehicle model’s year, manufacturer, and model name. You’ll also have to fill in responses describing which parts of the car received damage, how many passengers were in the vehicle at the time of the accident, indicate whether people experienced injuries, and provide a detailed summary of the injured parties, including all names and contact information.
4. Enter Claimant Contact Information
After entering the vehicle information of the policyholder, the next step when filing a Kemper auto insurance claim is to provide the claimant’s contact information. The claimant is whoever was involved in the incident with the policyholder. You’ll need to have the person’s first and last name, address, city, state, ZIP code, and phone number on hand to fill out this section of the claim report.
5. Enter Claimant Vehicle Information
Once you’ve entered the claimant’s contact information, the next section will prompt you to provide the vehicle information. Include the year, manufacturer, and model of the vehicle. Describe which parts of the vehicle got damaged in the incident. You’ll also need to include information regarding other passengers in the vehicle, including details about any injured parties.
6. Describe Incident Information and Submit
When filing Kemper auto insurance claims, the final step is to provide information about the incident. The claim report will ask for the incident’s date, the address, and the city, state, and ZIP code.
The final response box is where you can provide a detailed description of the accident, witness information, police report information, or anything else you think is essential to share with the insurer to provide the best coverage possible. When you’ve completed the claim form, review all the information on the claim report to ensure it’s correct and submit it.
A driver needs to understand how to report claims in the event of an accident. Without reporting claims, you can lose out on valuable insurance coverage and spend more money out of pocket than necessary. Thankfully, more insurance companies are transitioning to online claim submissions, making the process considerably more efficient while reducing phone wait times for those who still want to call.
Whether you go with Kemper Auto or another company, what’s important is that you feel comfortable and informed with your insurance policy. Take the time to learn about your insurance policy so that you can stay prepared in the event you need to submit an insurance claim.
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