Dealing With Kemper Insurance After an Injury
Kemper Corporation is a Chicago-based insurance holding company with a significant focus on the nonstandard and specialty auto market, serving drivers who are higher-risk or difficult to insure through mainstream carriers. Operating through brands such as Kemper Auto and Infinity Insurance (which it acquired), Kemper writes large volumes of minimum-limits policies, particularly in states like California, Florida, and Texas. Because much of its book consists of low-limit, nonstandard policies, Kemper's claims operation is intensely cost-focused. The company is frequently described by personal injury attorneys as slow to respond, quick to dispute injury claims, and inclined to make low offers anchored to minimal policy limits. Kemper adjusters commonly question treatment necessity, allege comparative fault, and use the low limits of the at-fault policy as leverage to settle quickly. Claimants often face delays and difficulty obtaining clear communication. If you are injured by a Kemper insured driver, identify the available policy limits early, because they are frequently at or near the state minimum. Document your injuries thoroughly and consult a personal injury attorney, who can pursue all available coverage sources including your own underinsured motorist protection when the at-fault limits fall short.
For informational purposes only. Not legal advice. Consult a licensed attorney.
Common Tactics Kemper Uses
Understanding these tactics before you engage with an adjuster puts you in a stronger position to protect the full value of your claim.
- 1Anchoring settlement offers to minimal policy limits common in its nonstandard book
- 2Responding slowly and providing limited communication to delay claim resolution
- 3Disputing the necessity of soft-tissue injury treatment and chiropractic care
- 4Asserting comparative fault to reduce already low payouts
- 5Pushing for fast settlement before claimants understand the full extent of injuries
Tips for Dealing With Kemper
These steps can help you protect your claim and maximize your recovery when negotiating with Kemper.
- 1.Determine the at-fault driver's policy limits immediately — Kemper policies are often state minimum
- 2.Explore your own underinsured motorist coverage when at-fault limits are inadequate
- 3.Document all communications, including delays and unreturned calls, to support bad faith arguments
- 4.Maintain consistent medical treatment and follow provider recommendations
- 5.Consult a personal injury attorney early to pursue all available coverage sources
Next Steps After an Accident With a Kemper-Insured Driver
- 1Seek medical attention immediately — even if you feel fine, some injuries appear hours or days after an accident and a prompt evaluation creates a documented injury timeline.
- 2Document everything at the scene — photographs of vehicle damage, road conditions, injuries, and any witnesses who saw the accident.
- 3Report the accident — file a police report and notify your own insurance company, but limit what you tell Kemper until you speak with an attorney.
- 4Consult a personal injury attorney — most offer free initial consultations and work on contingency, meaning no upfront cost. Legal representation consistently produces higher settlement outcomes against all major insurers including Kemper.
- 5Know your statute of limitations — most states give you two years from the date of the accident to file a lawsuit. Missing this deadline permanently bars your right to compensation.