Kemper Reviews

I was recently in an accident which wasn't my fault. Claims, customer service and billing department has been nothing but a headache to say the least. I've had to make several calls regarding medical procedure approvals and had to reschedule much needed MRI 3 times due to lack of response via my claims adjuster. I was also owed a refund on my canceled policy by them after accident. The refund was requested via check they sent to an inactive card. When I asked for help in resolving the issue it wasn't addressed. I had to spend hours on the phone trying to recover my refund.

If you’re looking for quality service, when following a claim, this is NOT the company. My car was in a flood, resulting in water entering the car. My car smelled a mildew/dirty laundry, that was damages to my electrical system, and the adjuster said there was nothing wrong with my car. When they took my car to be assessed, they brought it back with the battery dead, my side mirror broke, both of my license plates were taken off (they were pulled off, not removed properly), they had taken off my steering wheel cover entered my car with dirty feet left footprints, handprints of dirt and oil on my interior, left their lighter and ashes in my car.

I got a new car and the dealership hooked me up with Kemper insurance. I paid my month and I got a notice two weeks later that my insurance was canceled due to non-payment even though I paid them up so they said, "Oh we apologize. We can give you another policy. I pay another month. They give me a new policy week and a half later. I just got a notification that my insurance was canceled due to non-payment. I guess I'm supposed to make a monthly payment every week to them. This insurance company should be put out of business. They are con artist. Do not waste your time with them.

Kemper deserves NO stars! I had an accident 19 days ago, and can not get in touch with anyone at Kemper. The woman assigned to my case NEVER answers her phone. Emails to people listed on the website bounce back as undeliverable. The mechanic at the body shop has called the company repeatedly to get authorization to start repairs. NOTHING HAS BEEN DONE.

Kemper Insurance "BEWARE," this is your Typical Big Money BOTTOM FEEDER insurance company. I experienced my Card information be stolen and with in 1 week I was sent to COLLECTIONS. I expressed to this company that I was out of town needed to get ahead of this issue yet that did NOT slow them down to send me to Collections. It is almost like they must have a collections company they work with to help the scammers in this world RIP the people off ASAP. I talk to a rep they could care less what so ever all they care about is them/meme company BOTTOM FEEDERS THAT THEY ARE.

I am extremely disappointed with my experience dealing with Kemper Insurance regarding my auto claim. On February 9, 2026, my vehicle was involved in an accident in College Point, NY. I was not at fault, and I provided the police report confirming this along with the other driver’s insurance information. At the time of the accident, I was in the vehicle but medically unable to drive, so my daughter drove with my permission. She does not live in my household and is not a regular driver of my vehicle. Despite this, Kemper denied my claim simply because the driver was “unlisted,” even though their own policy language states that someone operating the vehicle with permission who is not a regular operator can be considered an insured person. What is even more concerning is that during the claims investigation, no one ever asked whether the driver lives in my household or whether she is a regular driver, which appears to be a key factor in their policy terms.

After reading all reviews, I agree that this company should be banned from doing business in all states! I'm in negotiation for a settlement with them after being hit in the rear by one of their insured. I am experiencing the same as everyone else and more. Low all settlement for repairs, no return calls, no responses to emails, no transparency in negotiations, paperwork from them only when you insist on getting it, declaring my car a total loss when it's false and I disagreed. They then tried real hard to have me remove my claim so they would not declare it total....

DON'T DO IT!! Paid my bill on time for 3 years!! Had one claim from someone stealing my cat converters. Took them over a MONTH to get auto shop payment. They also added depreciation costs. I paid out MORE than my deductible! SCAMMY! I was out of business for a month!! Jalisa, my rep was awesome. Nonetheless, the company is completely TRASH! I would rather be uninsured than insured with these guys. BEWARE!!

My insurance company gave me multiple, conflicting reasons for putting me at fault in an accident — even after the police corrected their report to support my side. Despite this, my insurer ignored the updated evidence. An adjuster even told me it’s “cheaper to settle than go to court,” which made it clear: they’d rather close the case than defend their own policyholder. They’re paying out nearly $10,000, mostly in storage fees, and won’t give me a proper itemized list. Bottom line: They chose to settle rather than defend me. It was cheaper to blame me than deal with a lawyer.

I filed an insurance claim with Kemper Insurance after a car accident on March 2, 2025. I submitted all requested documentation promptly, yet months have passed with no clear response from Kemper. My repeated calls and emails have been ignored, and when I finally reached a representative, the call ended abruptly because the representative hung up on me.

I was t boned by a Kemper policy holders' girlfriend. I informed them that she was driving and not the policy holder because that's the truth and I didn't want to commit fraud, but they are denying my claim because of this information. After I set up an inspection through Kemper and took time off work, I was suddenly unable to reach my adjuster or any supervisor. It felt like they were ignoring my calls and messages because they had made a decision to deny. Now I have to pay a $500 deductible through my insurance company, and I'm not covered for a rental.

My mom purchased a $56k Reliable Life Insurance (subsequently bought by Kemper) whole-life policy almost 28 years ago, with monthly premium of $168. She passed away last year, and we started the death benefit claim almost 13 weeks ago. After six weeks of requesting additional documentation, and almost another seven weeks since the last requested document was provided, Kemper has still not approved payment of the claim; Totaling up just the premium payments made comes to almost the $56k death benefit amount. At a conservative 3.6% interest rate, Kemper will make a handy profit of about $40k on this policy. And still, they slow-roll the death benefit payment.

Mishell ** is very rude and she lies and her communication isn't good. She waited until my case closed to notify me. The only reason she reached out is because I called more than ten times. Every time you call this Mishell ** it's always a voicemail and you can never talk to her directly. This woman customer services skills is horrible.

In my opinion this company is unbelievably dishonest and underhanded. If I wrote all the things they have done so far I couldn't fit it all in this review. How they have any stars amazed me. Look at the dates though. Most reviews above one star are from before 2019. This company should not be allowed to even operate!! I guess it shows how corrupt our government is to let companies like this exist.

This company is absolutely awful. Their customer service is atrocious, and they don't even answer their phones. I have been a customer for only a handful of months and I am fed up with their lack of care or quality assistance and I HAVE NEVER EVEN NEEDED TO FILE A CLAIM! Their rates are great but everything else about this company is both sub-par and inexcusably unprofessional. Now after frustrating interactions I have tried to cancel only to be given the run around and hung up on... wish I would have known prior.

This is by far the worse company I ever had to deal with! I have been hit by a car not by fault insured by Kemper and to receive help from them is ridiculous! They are denying a claim that I am currently fighting for now! Avoid these people! I am currently taking legal action against them!

AVOID THEM LIKE THE PLAGUE!! This is the absolute worst insurance company you could ever get. Good luck getting them to do anything!! They don't answer their emails. They don't care about you or your car and they charge extremely crazy prices. It was cheaper for me to go to Progressive with two cars than one car with this company with the exact same insurance. FIND ANYTHING else but these people! Scum bags.

My Toyota Prius was parked and hit by a drunk driver, the drunk driver had Kemper insurance, AND THEY ARE BY FAR THE WORST COMPANY. It's been 1 year and 3 months and still haven't been paid for my crashed vehicle (they said my vehicle was totaled), and good luck if you get a human to speak to because most of the time you're gonna get a answering machine, and the claim adjustor will give you the run around (pretending to be sympathetic and having corporate responses). THIS COMPANY IS HORRIBLE.

Erin ** EXT ** & Candida ** EXT ** are the worst Managers & Adjusters there are. I've been Calling everyday to the 800 # trying to reach them and they do not and HAVE NOT answered a single phone call. Nor have they returned ANY of my emails. Some guy with this insurance company rear ended my car and they're refusing to fix it.

Kemper Auto merged with American Access and changed their policy and ways of handling renews and reinstatement of policies and failed to let their policyholders know. They are unprofessional and rude and like to argue and hang up on people. They said they might have done different things last month or months but this month it's different. Which sounds likes it's not consistent and they will not make an easy transition for the other companies policy holders to come over. American Access had great customer service and always helped.

Been calling and get the runaround. They sent me a check to get my car fixed on 6/7/23 and on the 12th they canceled the check. Leaving me to pay to fix my car. Now I'm out for repairs from my own back pocket. When you're on fix income car repairs are not easy done.. If I could give them a -5 stars I sure would. They work for themselves and no one else.

Kemper notified us they will no longer be conducting business in MO. We found a new insurer and made the transition weeks ago. Kemper even refunded the balance we overpaid for the rest of our term. However, we just got drafted for another automatic ACH. If all we had to do was call it in and get a refund I wouldn't be here. We have been transferred all over the company and nobody seems to be able to help us. We have been hung up on several times.

They held my policy hostage when I tried to cancel 8 months ago. Could not close the policy despite several attempts. First I sent an email with their cancellation form attached and signed, along with written instructions on when to cancel the policy. No cancellation. Then my new insurance provider also reached out to cancel. No cancellation. After my new company said they reached out, I assumed I was fine. Kemper had documentation of both cancellations. Then Kemper's bill shows up. I reach out again.

I was in a accident on 01/25/23 and had the car picked up that night. 2 months later and I'm still waiting for my money that was left over from the paying off my car loan. The at-fault driver also had Kemper and they still couldn't communicate properly! Now I can't even get in contact with my adjustor. When I call it literally said, "Your adjustor could not be found" for 2 weeks before they found him and even then no reply. DO NOT CALL ON FRIDAYS, they do the most to avoid answering. They'll, "Call you," let it ring for 3 seconds then hang up so you won't answer and send you a text right after making it seem like they tried contacting you!

During the recent storms my car was hit while parked, nothing major but my hatch is dented and water is getting in, the rear view camera went upside down and bumper & plate is dented. my deductible is $500 and the parts cost twice that so I decided to file a claim My insurance was good till March 2nd my incident happened on or before Feb 28th because that is the date I noticed it was hit. No note was left that I could find but for all I know the person left a note and the storm blew it away. Anyway, I go to renew the insurance and today is the 7th.. I had paid the coverage in full so I didn't expect them to be claiming I am not covered and NOW the cost to renew is astronomical! Oh my gosh I am a student. I rely on the car for basic errands. I'm not a crooked person. I wish I called in the incident sooner but I spent a day or two calling around to buy the hatch used somewhere.

The worst insurance company!!! You cannot reach them at all. I've been waiting for my reimbursement from them over a year already, last 3 month I'm trying to reach them no respond. My Claim number is **.

Never ever trust them, I got an auto policy and was able to cancel within their requirements based on my broker. One's cancelled, no balances at all. I received a letter with treats that I will be on collection of I don't pay 1 month + another month late fee. Funny how they decided to add miles on my policy without my consent or call. This is an abuse to customers and because is a yearly deal. You will never pay attention unless you really see them for who they are!! Don't trust them!!!

12/12/22 We filed a claim for a vehicle totaled by a tree falling on it and 30 days later not a single response after initial letter giving the claim number and telling us that it is our "duty" to mitigate their expenses. In the mean time we have had to rent a vehicle and pay for it out of our own pocket. They towed the vehicle 2 days after we filed. We have made numerous phone calls, left voice mails, and sent emails to the person handling our claim, his supervisor, and another agent. No one from Kemper has bothered to contact us in any way. The only one that has been of any assistance to us is the person that came out to look at the vehicle and claim it as totaled. She even sent emails to the company representatives on our behalf. This is so unacceptable and unnecessary.

Tried a new company for cheaper rates. Quoted, accepted, and paid. I received a letter stating there was problems with our roof. No explanation given. Next day received a refund check. They had canceled our insurance. I had been with my previous company for years with no problems! Our roof is not new but we have no problems. They canceled with no explanation. I would not recommend this company to anyone!!! I’ve never been canceled in my life!

The adjuster would not even let me finish my sentence, even less listening and trying to understand how the accident happened. She had her own version and was very fixed on it. She made no sense of her own version and would not listen to reason or facts. She was just focused on saving $ for the company.

This company is the worst ever! The customer service is very unprofessional, they do not return your calls or emails. When the adjuster did call me he yelled, told me to figure what needed to be done on my own. William ** told me that he was an independent contacted and that he didn’t have a supervisor yelling that I needed to call and see why the things were not getting done. He is very unprofessional, yelling and taking over me to then tell me to just figure it out and hung up on me. I called to speak with a supervisor which was not much help either. I am without a car due to their insured customer that ran a red light going about 60+ mph and he stated that it was not his fault I have a high-end vehicle which will not be covered because this insurance company let you have the bear minimum cover to basically say you have insurance. This company needed to be shut down and sued.

Kemper prides itself on serving high-risk drivers, who are otherwise uninsurable. I'm all for helping people get back on their feet after a mistake or mishap, but if you're going to be your brother's keeper, then be your brother's keeper. A Kemper insured driver, who was a known insurance risk, careened down our street while blind drunk, hitting six vehicles, including ours, and impacting on the corner of our home, destroying the brick foundation there and costing us $2K to repair. While the driver was insured, he was also insolvent, and the total damages he caused far outweigh the minimum property liability coverage he was allowed, by Kemper, to carry.

I don’t know how they have a 3.8 rating, this insurance is terrible. I went out of my way to make an account on Consumer Affairs to leave a review that’s how frustrated I am. My vehicle was totaled Dec of 2021, Merry Christmas right and as of 7/28/22 that I am writing this review, they have yet to pay out my claim which they have already taken responsibility of. The adjuster tried to give me a hard time with the options that my vehicle came equipped with from factory in hopes that I take less than what the vehicle is worth. She asked me to get the original invoice from 15 years ago lol which I was able to get. After that was settled and we agree that I would do my title myself in order to get payment I get a call this is in May of 2022 from a new adjuster. It turns out she fenced off my claim to another adjuster which shouldn’t have gotten it because she doesn’t take care of that state I am in.

I don't even want to give a star, extremely dissatisfied, disappointed. Nobody knows anything, zero assistance. They give you different numbers to call for a simple question and roadside assistance is a joke. I have never had such a bad experience in my life. I am done with this company.

Try to fix my Truck in my preferred body shop and they coursed me into taking it to one of their DRPs. Huge mistake! Their preferred body shop was no good. I have to take the truck back due to a poor paint job and bodywork. The adjusters are bullies. Especially Abraham **. Mr ** was rude and very unprofessional. They try to give you the least amount possible and hope you take it. I feel sorry for anybody who would have to deal with Kemper.

I was rear end on Friday night and we exchanged insurance info. Come Monday, I get in touch with my insurance company to give them her info. They call me back and say, "Sorry about your luck." State Farm scared them because they said there wasn't anything they can do about it. I would give it zero if possible. POOR CUSTOMER SERVICE.

This insurance company has to be the absolute worst. They have the worst customer service. They do not return your call. I hate and wish no one has to go through them for claims because is just awful. I have been with them for over 8 years. When my car got hit while packer by a drunk driver it was a haste dealing with them. It happened in May 25, 2021 and a year later my car is still waiting for an approval to get fixed. I finally got fed up and cancelled my policy. I do not recommend them at all.

One of the worst experience customer service and managing claims I've ever had. Someone insured by them hit me and as I am writing this review, it has been 10 days that I have not received any response regarding my claim, or offering a loaner car and fixing my car, whatsoever! 10 days and I do not have any clue what the hell is happening to my claim. THIS IS JUST RIDICULOUS. HORRIBLE HORRIBLE HORRIBLE!

Consumer BEWARE!! -0 stars for Kemper…. 1 star is generous! This is THE WORST Company I have EVER dealt with. We were customers for years. Had 2 incidents over 5+ years. Both times we got the time around from them. No follow up. No customer service. SO unprofessional and inadequate. Our “adjuster” never contacted US, instead they worked with the the other party to get THEIR side of the story. Will use ANY loophole they can to ensure they “can’t” cover your claim.

This company is a joke. My son was hit by one of their insured and the adjuster don't even answer calls back or emails. This is what happens when someone buys insurance from this high risk insurers and defeat the purpose of having insurance. Drag claims as long as they can hoping for the affected party to get tired. You read so many complaints about this company, A class action suit should be filed.