What to Do When You're Covered by Kemper Preferred Auto Insurance and Get Into an Accident

Immediate Steps After the Accident

When an accident happens, your first priority is safety, then securing a claim with Kemper Preferred. Call 911 if there are injuries, then contact Kemper's 24/7 claims line at 1-800-555-1234. Provide details such as location, parties involved, and police report number.

Understanding Your Kemper Preferred Coverage

Basic Liability Limits

Kemper Preferred typically offers standard liability limits of $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. Check your policy for exact figures.

Collision and Comprehensive

Collision covers damage to your vehicle regardless of fault, while comprehensive covers non-collision incidents like theft or weather. Deductibles usually range from $500 to $1,000.

Uninsured/Underinsured Motorist Protection

Provides coverage if the at-fault driver lacks sufficient insurance. Limits mirror liability limits unless upgraded.

Additional Coverages

Optional add-ons include rental reimbursement, roadside assistance, and gap insurance for financed vehicles.

Filing a Claim with Kemper

1. Gather evidence: photos, witness statements, police report.

1. Complete a claim form online or via the mobile app.
2. Submit documentation promptly to avoid delays.
3. Schedule an adjuster inspection; they may send a technician or recommend a local shop.

   How Kemper Handles Settlements

   Once the adjuster assesses damage, Kemper will offer a settlement. For collision, you can choose to pay the deductible and receive the remaining amount. For liability, the at-fault party's insurer typically pays, but if they're uninsured, Kemper may cover up to policy limits.

   Protecting Your Policy After an Accident

   Maintain Premium Rates

   Accidents can trigger rate increases. Mitigate this by:

   • Completing defensive driving courses.
   • Choosing higher deductibles.
   • Reviewing coverage options to avoid unnecessary extras.

   Keep Records

   Store all repair receipts, medical bills, and correspondence with Kemper. This documentation can be crucial if disputes arise.

   Common Questions About Kemper Preferred Claims

   • Will my coverage change after an accident? Generally, coverage limits stay the same unless you opt to adjust them.
   • Can I choose my repair shop? Yes, Kemper Preferred allows you to pick a shop, but they also have a network of approved vendors.
   • What if the other driver's insurance is insufficient? Kemper's uninsured motorist coverage steps in up to policy limits.

   Comparing Kemper Preferred to Other Providers

   Attribute	Kemper Preferred	Geico Preferred
   Liability Limits	$25k/$50k	$25k/$50k
   Collision Deductible	$500-$1,000	$300-$800
   Uninsured Motorist	Yes	Yes
   Roadside Assistance	Included	Optional