Kemper Reviews
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About Kemper
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Kemper offers low-cost car insurance, nonstandard policies and various discounts in 26 states. It carries basic and customized coverage packages and policies for high-risk drivers who have trouble finding insurance elsewhere. The company provides pet protection and accident forgiveness options, but its specialty coverage is available only in California.
Visit www.kemper.com- Variety of discounts
- Flexible payment plans
- Nonstandard insurance options
- Not available in all states
- Specialty coverage only in California
Kemper Reviews
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Reviewed Dec. 7, 2011
Worst insurance to deal with for Home insurance. They asked me to send estimates by contractors for roof replacement. They only allowed for $8000 and change according to a pricing program they have. Not only that no company in my area coming with less than $12000, but they are also off on square footage and even the Craigslist guy is more than them.
They are not accepting any company except for the Craigslist person who has no details on what he will be doing and said that this is between him and me. They keep asking for details from other companies but when they send them details, they refuse it. I sent Sears, American roofing, and Allied. I have to pay the difference on a claim that the insurance should be covering according to the rules. The leak is caused by wind and the damage is getting worse to the house.
Reviewed Oct. 12, 2011
A lady backed into me in the parking lot and begged me not to call the cops, but I did anyway. Apparently, the cops can't write accident reports for parking lot accidents, so it was my word against hers, although the cop could visually see that I was almost completely out of my parking space. After I got home, she called and threatened, "My car is nicer than yours, so you better not call my insurance company."
I filed a claim with her insurance company (21st Century), and then she filed a claim with my insurance company (Unitrin). After calling Unitrin a couple times, I got hold of my claim rep and gave my story. 21st Century called me and apparently the other party had told one story to my insurance and another story to her insurance. After relaying this information to Unitrin, my rep said she would call the other insurance company and get back to me. I requested for someone to take pictures of the other party's car, because she told me that there was no damage to her car.
A month later, I never heard from my insurance company. So I called and left a message with no return call. A couple weeks later, I got a renewal notice that they raised my insurance premium to $40 a month. I called to see why, and apparently, they said I was 70% at fault and they paid for damage to the other party's left side bumper although we hit each other back to back.
My mom and son were in the car, but they wouldn't let them be witnesses. I offered to see if the owner of the parking lot had security cameras, but Unitrin said they already made their decision.
There is a lot more to the story. But the point is do not use Unitrin despite their low premiums.
Reviewed Oct. 1, 2011
Customer service of Unitrin Direct Auto Insurance is horrible. I had some fraudulent activity on my bank account and the bank does not care either. They just shut down all activity and put a hold on my funds. So yes, my payment bounced. When I got everything squared away with my bank and funds released, I called Unitrin to take care of payment because my insurance was cancelled. To reinstate my insurance, they said I owed $290. Ok, I paid it. Then after payment went through, they started to ask questions before they reinstate. I was asked if there's any damage to the car. I was asked if there's any cracks in the windshield and I said yes, I have a small one I intend to fix when I get everything cleared up from the bank fiasco. Unitrin rep said, "oh well, we can not insure you. Call us after you fix the window". It is not even bigger then 4 inches and they did not care. I have been with this company for over 4 years, no dings on my record, nothing. They are just happily taking my money and now they want to leave me uninsured until i fix a small crack in my window.
Reviewed Sept. 29, 2011
My son was rear ended by a Kemper "insured" and Kemper has denied the claim after taking over a month. Their insured had an active--and paid in full liability, comprehensive and collision coverage policy listed on another vehicle, but was driving his father's when the accident happened. Kemper says that since he wasn't driving the listed vehicle, they are not responsible. After waiting over a month, we are having to go through our own insurance carrier and file as an uninsured motorist claim. Our carrier also said that Kemper should have taken care of it and was astounded that they denied it.
Reviewed June 2, 2011
I received a notice of cancellation for my vehicle insurance on 06/02/2011 from "UNITRIN" (stated above). I pay yearly on my insurance, NOT monthly. My effective date: 12/10/2010 & my expiration date is 12/10/2011. I dealt with this same exact problem last year, but I was unaware that the company had completely cut me off their insurance. So I went on without insurance for months even though I thought I was covered for the whole year, since they took my money for the whole year!
It was not until I visited the office to pay for the following year (2011), that I found out I had been "cut-off". In other words, this company "stole" my money from June 2010 to December 2010 when I walked into their office to renew the insurance policy. These people are doing it again. Last year I was assured that the problem had been resolved, even though I never was credited for all the months I went without insurance. I need an investigation before I take the next step to sue this company so that I can get my money fully refunded and look for a reputable insurance company elsewhere. UNITRIN has no integrity. I don't need this frustration again.
Reviewed Nov. 16, 2010
The car was stolen by my boyfriend's brother. I pressed charges because he has no insurance to fix the damages. His poor mom, who has little money, gave me the $500 cash deductible to fix the damages.The theft resulted from some sort of off road driving, leaving fluids and torn wires sloppily visible when I found the car, along with a big dent, and some more paint chipping. I would be more than happy to get a statement from my few mechanics of the car's prior condition. I had no communication whatsoever until about 3 days after reporting the theft of the 2000 Chevrolet Cavalier z24. I had to arrange to start the whole assessment of the claim by calling Mr. Scott ** myself.
I didn't know when I could bring my car in after it was brought for first estimate, by DeNooyer Chevrolet, and also after the contracted appraiser came to look at the car.
I finally spoke to someone other that Scott **, a claims rep who said I could bring my car in whenever, so I scheduled a time to bring it in, a week after this point (The 13th of September being the scheduled date).
Car was brought in, and the shop tried issuing a supplemental damage claim to meet their original appraisal. Apparently, while assessing the apparent repairs, it was discovered that a prior accident had occurred before I bought the car. I was unaware of this, since when I bought the car, it had a clear Carfax report (Car was bought March 08), and looked perfect, with only 36,000 miles on it, and 1 owner.
Regardless of any unknown prior damage to the car, until this theft there was not any visible front end, or undercarriage damage other than a couple small rust spots. Also, there was absolutely no mechanical damage to this car before the theft, and I have all receipts of meticulous care of mechanics since I have owned it. My insurance coverage is $20 a day for a rental. Since this took too long, as the original time expected to fix my car was 3 days, this was resolved and all rental money was paid out about a month ago, at $460 for 18 days plus 5 days of total rental time.
I had been expediting everything, involving communication with the shop, my adjuster, the police department, and having discrepancy with the appraisal that Unitrin gave me for my car after Chevy had given me a much more detailed one. I did the job of the adjuster as a whole. I am really upset with having to take this all on by myself. As of the current status with this company, I got my car back after it being gone for 3 weeks. They fixed some of the visible damage, not all of it, which was so upsetting and neglected to fix the most serious things wrong with my car! I even took a very long verbal statement at the beginning of the claim process to be very specific saying what was wrong with this car from the theft, and it was completely neglected! The most serious things, which are dangerous things, are making me fear my safety because the company is taking so long to approve the 2nd round of repairs or they are disregarding them all together. I don't know!
No one will help me! I have a ABS line that was severed at the time of the theft, a brake or hub assembly problem in that area, and also some power steering damage! It is getting cold now in NY, it has snowed once, and I have no choice but to drive my damaged car because Unitrin Direct hasn't contacted me with the 4th appraisal of damages which was done in my presence (the first 3 were not, and they were very wrong for what was written as damage). Currently, I am being ignored by the property damage claims manager, Andrew **, as he said he was going to settle this case, reopening it after the first settlement, of $1295.26, minus the $500 deductible.
Reviewed June 28, 2010
On Friday, 6-11-10, I received a phone call from Unitrin Direct Claims representative, Lisa **, regarding an accident claim that occurred on May 27, 2010. By the time I received the message, they were closed; and according to Ms. Lisa's voice mail, she would not be back until the following Monday. However, I left my name, phone number, and claim number along with my request for a return call.
On Monday, 6-14-10, I returned the call to Ms. Lisa at 877-305-4165 ext. 4240 and was again connected with Ms. Lisa's voice mail stating that she would "call me back within one business day, excluding weekends and holidays." Her message also stated that if she did not return the call within 24 hours, I was to call her supervisor, John ** at 877-305-4165 ext. 4237. I, again left my name, phone number, and claim number along with my request for a return call.
On Tuesday, 6-15-10, I never received a call from Ms. Lisa. On Wednesday, 6-16-10, when I never received a call from Ms. Lisa, I called her supervisor John ** at 877-305-4165 ext.4237 and left a message that Ms. Lisa's voice mail had directed me to call him if she failed to respond to my call within 1 business day. I left my name, phone number, and claim number along with my request for a return call.
On Thursday, 6-17-10, through Friday, 6-25-10, Ms. Lisa nor Mr. John never returned my call. On Friday, 6-25-10, 4:04 CDT, I called Ms. Lisa at 877-305-4165 ext. 4240 and left another request for a return call. I, again, left my name, phone number, and claim number along with my request for a return call. On Friday, 6-25-10, 4:07 CDT, I also called Mr. John at 877-305-4165 ext. 4237 and left another request for a return call. I, again, left my name, phone number, and claim number along with my request for a return call.
On Monday, June 28, 2010, I never received a call from Ms. Lisa nor Mr. John. On Tuesday, 6-28-10, 5:04 CDT, I left another message for Ms. Lisa at 877-305-4165 ext. 4240, requesting a return call and also informed her that the insurance company representing the alternate party involved were now sending me threatening letters due to my insurer, Unitrin Direct's nonresponsive attitude. I also informed her that this was the sixth time I had left a message for someone to call me back. I, again, left my name, phone number, and claim number along with my request for a return call.
On Tuesday, 6-28-10, 5:13 CDT, I left another message for Mr. John at 877-305-4165 ext. 4237, requesting a return call and also informed her that the insurance company representing the alternate party involved were now sending me threatening letters due to my insurer, Unitrin Direct's nonresponsive attitude. I also informed him that this was the seventh time I had left a message for someone to call me back. I, again, left my name, phone number, and claim number along with my request for a return call.
Reviewed Sept. 9, 2009
Reviewed Aug. 11, 2009
In January, Unitrin Inc. purchased the insurance company that I worked for. Since then, everything has went crazy! They have extremely bad customer service! When my policy holders call customer service, they usually call me and are very angry and very often, drop their insurance. Unitrin has "lost" policies, gotten one family's insurance mixed up with another's, and several other irresponsible transactions.
The company takes advantage of low-income people! They look for any reason to deny claims but continue to take policy holders' money. They care very little for employees. The way they pay commissions is extremely unfair. Bottom line is they look for any excuse they can to keep from paying claims to policy holders and commissions to the agents. I don't know how they got the rates approved by the insurance commission. I refuse to write some of their products.
I called the commission's office and told them of the company's unethical behavior and was told "Sounds like to me you need to go to work for another company." I was shocked. I would love to know how much money they donated to the government's election campaign! They have already lost a class action lawsuit for charging black policyholders a higher premium than whites! Now, they just changed it to charging the low-income population more. They only care about profits to shareholders and, I suppose, CEO bonuses! Their bonuses are more than their income!
I was out for 8 weeks because of surgery. When I came back, my paycheck had dropped $400 a week, because they charged me for lapses but wanted management to write business that no commission would be paid. They refused to do it. They no longer work for the company. Beware of this company!
Reviewed April 20, 2009
I have been a customer of Unitrin direct for 3 years (maybe more). I always paid on time and as everyone in the country, I had some financial hardships the last few months. Rather than not being able to pay, I lapsed in a payment too which on April 18, I paid their balance in full. I asked for the policy to be reinstated as the policy was under contract until June 6, 2009. They told me that I cannot renew the original contract they started. I know I was late, but paid my balance in full. Also, they doubled my insurance premium based on a bogus claim another driver claimed on a fender bender. I stated to my insurance company that a 5-mile per hour bump on the other driver's car in heavy Los Angeles traffic resulted in no injuries or damage to her car. Unitrin paid out to the other driver; in turn, my driving record is scarred for the next 3 years causing any carrier of insurance in California to raise the premium to double.
This is completely unfair to a customer who has been long term and has referred several others to their insurance. The end result is that they left me with no insurance at no given notice. They just cancelled my policy rather than resolve the issues. Very poor customer service.
Reviewed April 13, 2009
My car was stolen and a week later was found by the police. My car insurance company picked up the vehicle for me and began their investigation. It is day 43 now and they still have my car, I am still paying for the cost of a rental, and they are treating me like a criminal who lied about the theft. They requested bank statements, phone records, and did 2 verbal statements. I have police records, which they seem to be uninterested in. The agent has ignored my most recent email asking for the status of my claim. I want my car back.
Reviewed Jan. 23, 2009
Reviewed Jan. 18, 2009
Reviewed Feb. 26, 2007
I am writing in regards to a situation in which Kemper Auto and Home Insurance Company not only deceived me as a customer, but put me in financial hardship as well. I have had my automobile insured by Kemper for two years now. On 12-05-05, I was involved in a car accident in the city of Riverside CA. Although I do not agree with the outcome of blame pertaining to the accident, I have since accepted it for what it is. However, when I began my search for new auto insurance coverage a week ago, it was brought to my attention from a representative from AAA that I was given two points on my driving record for the above mentioned incident. After much questioning and distress, the AAA representative informed me that Kemper decided to settle with the “not at fault individual” from my collision, as he claimed whiplash injury. As a result of their hasty settling, and my lack of knowledge of the circumstances, I was automatically given an additional point on my driving record. The only correspondence I received was a simple letter explaining that they had deemed me the responsible party in the collision. Nothing about injury claim or additional points to me driving record were ever provided. I have now been driving for a year and a half with this information on my driving record. I was told at the time that the total damage was less than minimal, and no major consequences would result. They had an adjuster look at my truck, and in his report he claimed that there was damage to my front bumper. However, this minor scratch happened in a parking lot shortly after I purchased the vehicle. Due to the lack of attention, communication, and professionalism, I am forced to stay with Kemper and pay an outrageous premium, as no other insurance company will insure me.
Kemper Company Information
- Company Name:
- Kemper
- Website:
- www.kemper.com