Kemper Insurance

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Avoid Kemper At All Costs
Posted by on
CHARLOTTE, NORTH CAROLINA -- After my husband had a teeny tiny no big deal uncontested fender bender with a friend he plays sports with, we reported the incident to our insurer Kemper. Big Mistake. I called our agent who referred me to an 800 Kemper claims number. The lady who took the info was nice, professional, competent - great. She said an adjuster would call the next day. The next day the adjuster did call - UNFORTUNATELY. This woman was HORRIBLE - terrible customer service beyond belief. And I PAY THEM for this????

This "person" was so incredibly stupid that she 1. could not answer ANY of my questions, and 2. made a lot of stuff up about what had happened supposedly "quoting" my husband. She was very wrong and we tried so diligently to get through to her. She just sucked 100%. I called our agent back who said I needed to file a formal complaint. I called Kemper in PA back and talked to some great, totally competent, very patient people in Customer Relations. They advised me STRONGLY to allow them to make a formal complaint about this idiot in NC. I told them I just wanted answers.

They said PLEASE you MUST make a complaint, this woman is very wrong, and you MUST get a new adjuster. OK. The next day a even more horrible man called us - the stupid woman's supervisor. He basically stated that what we told him could not possibly be true because 1. that is not how they do business, and 2. he had never heard any of his "guys" say anything like that (I guess he listens to every single solitary word his "guys" say all day long... right.) He was a blazing JERK.

Amazingly disgusting - both of them. I called my agent back again. I called Kemper Customer Relations back again and again they were GREAT! But they unfortunately have not control or influence over the HORRIBLE-OUT-OF-CONTROL-JERKS-IN-CLAIMS-IN-NC (this is NOT hyperbole - but rather the understatement of the century.) A while later we got a call from the supervisor of the HORRIBLE claims-woman's HORRIBLE supervisor-man. While this 3rd person was AT LEAST intelligent (which neither of the 1st 2 claims people were) he still was not nice enough. He still defended them. He still did not fix ANYTHING. He still did not apologize for their disgusting lack of both brains or business manners.

BASICALLY he did nothing except say he hoped that I would reconsider and not cancel my Kemper policy in favor of a GOOD COMPANY'S policy... Again: Right. So, I called Kemper back to find out who the boss of this 3rd claims person was - and there IS NOBODY! LOL The poor kind folks in Kemper's Customer Relations have to take all the crap from customers like me who have been HORRIBLY MISTREATED by the claims folks who do not have even 2 brain cells to rub together, yet they have no recourse except to route the complaint BACK TO THE HORRIBLE SHOP THAT CREATED THE PROBLEM IN THE FIRST PLACE! It is like attempting to deal with horrible freaks in another dimension! BOTTOM LINE: Our agent is working on estimates from OTHER INSURANCE COMPANIES - companies who are GOOD unlike Kemper. I HATE KEMPER.

BEWARE! Their Customer Relations could not be BETTER. Their Claims could not be WORSE. And to think, I've actually been paying them so much money to insure and represent me. I am filing complaints with the local BBB and the NC Department of Insurance - already talked to them and they said that they indeed are the agency that can control these horrible out of control agents. STILL BEWARE - the claims folks can do and say anything they want to with impunity - do they mean any harm? no, I don't believe so - they are just way too stupid to know any better. I informed the #3 claims man (the head claims guy on earth for Kemper - beyond whom there is no boss... HOW does he have NO BOSS???) that we need satisfaction and he did not care - further that we expect an apology from each of his IDIOT claims adjusters, that they are then fired (OF COURSE!), and that Kemper refund all of the money we've ever paid them and then continue to insure us for free forever. And actually that will not be enough. Those jerks should be fired. I'm working on it. In the meantime DO NOT USE KEMPER!

You've been warned.
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spiderman2 on 10/16/2008:
All this for a "teeny tiny no big deal uncontested fender bender"? Usually a fender bender is pretty easy to sort out without all this drama. I would love to hear the rest of this story.
CT Yankee on 04/25/2012:
Without any details (I.e. what questions did "Charlotte" ask, and what "stuff" did the first claims agent "make up", it's hard to take this rant seriously.
disgruntled as well on 06/29/2012:
I am with the first person. We are now learning the hard way the stupidity of Kemper. We too were in a "no big deal" fender bender. Get this...the 2 drivers are 17 and the parents of the other party wouldn't let Kemper TALK to the driver, and then, they changed their story about 4 or 5 times. Still, Kemper is finding us 100% at fault and the statements the other people made are entirely impossible! HOW STUPID CAN 2 PEOPLE BE???? STAY AWAY....THEY ARE IDIOTS. We have dealt with 5 people so far and only person was nice and diplomatic. Unfortunately, that's not enough to make us stay.
KH on 06/30/2012:
Backed into by a Kemper insured driver and it is taking weeks to get results. Though the driver was cited, they refuse to permit any repairs until the police report arrives. Let's time THAT one by the month.... They do not return calls. And here's the best part: just TRY to find a customer service department. I was transferred to 4 different locations and departments before it dawned on me THEY DON'T HAVE ONE! I finally reached someone who was willing to call herself a customer service employee, but when I explained the time frame and the problem, she said "I have no idea how to even begin to give you an answer on that." Deadpan....silence.....I thought she'd hung until I got a 'yeah?' to my 'hello'.
This insurance company is laughable if it wasn't so frustratingly painful dealing with them. Getting hit by one of their insureds is like having your purse stolen.
richie88 on 08/26/2012:
I have had Kemper for many years with no problems --I never deal direct with Kemper --any claim I make my agent file it ---an adjuster has to see the car -he or she sees it at the body shop of my choice --its a matter of knowing your rights and letting more knowledgeable people work for you -
Annette on 04/26/2013:
Kemper is horric. They suck.
Linda on 09/23/2013:
My car was hit by a Kemper insured person and he was ticketed at fault. I have been trying to get my car fixed and get a rental but there claims rep never returns a call and you get the run around with everyone. They are the worst company I have ever dealt within my life. Three weeks and nothing from them!!
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Never by Insurance via Kemper Insurance as they are horrible with a claim
Posted by on
AUSTIN, TEXAS -- My son had a house fire on 7/3/09 which totally destroyed his home. He contacted Kemper and the adjuster told him it was the holiday weekend and he really couldn't do anything to help him until Monday. All credit, debit and bank access was burned.

The adjuster came on Monday but did not bring a check book. Since the initial meeting they have done everything that is possible to not pay toward this claim. Even to hint that the fire was started by the homeowner/my son and daughter-in-law. They were deposed on Friday 9/11/09 and after a horrible deposition which included an attorney calling my son a liar they were told they now know how the fire started and they were not under suspicion. One of the questions that was asked that the attorney called my son a liar about was he was asked if he ever had an insurance claim. He answered no. The lie that was supposed to have been told was that he was in a car accident at age 18 and was a passenger and was taken to a hospital and there was a claim submitted to my health care agency.

I can't believe they have the nerve to even investigate your health claim. What happened to HIPPA. This had no relevance to this claim.

My son also had the unfortunate hardship of having his company close a 3 years ago. He was unemployed for 1 year and had to declare bankruptcy. THey are now fiancially solvent and they brought their bankruptcy into the deposition and are using it not to pay contents of the home.

NEVER EVER EVER buy a policy from Kemper or Unitrin. There should legislation to protect the consumer. How can you be a victim of a fire, pay for insurance and have the insurance company treat you in this manner. My son said the deposition was the worst thing he has ever been through. Before the company he worked for closed he was a VP of the company. He is business wise and could not believe the maltreatment he was subjected to!
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IknowAlittleAboutThis on 09/24/2009:
a fire is a general covered loss. whether it occurred from a faulty wire or by careless smoking, it should have been covered. the only time they can deny is if it is set intentionally. they were trying to determine fraud. Sorry to hear that he was screwed by a low premium insurance company.
Skye on 09/24/2009:
What does the fire marshalls report say?? You should be able to obtain a copy of that.
Becky734 on 10/18/2009:
The Fire Marshall report determined the cause electrical. Today is 10/18/09. The insurance company still has not offered settlement. Fire on 7/1/09. The claim has rumor that it is now on the President of the Companies desk.

This family does not even have winter clothes to wear. All has been tied up. This should be ILLEGAL!
Oldfarmhand on 10/22/2009:
The only problem here is that Kemper Insurance is following up on something that they feel is wrong. I have had Kemper Insurance for many years and I have never had a problem with them at all. The only reason that your son would be brought to this point by Kemper, is because something did not feel right to them. In addition to that the initial adjuster never comes out with a checkbook. They are simply there to ascertain the damage. Think about it this way, when you go see a doctor with chest pain, he doesn’t walk into the exam room and open your chest until he determines that is what is needed. Same principal. You cannot expect a field adjuster, seeing this property for the first time, and expect them to write a check for it.
Becky734 on 12/30/2009:
Actually when a family does not have a home I would expect a field adjuster to do something. Commercials indicate that we should put our life in their hands. I don't care if it was even money to get a hotel for a few days and food it is providing basic needs for a family that didn't have a check book. When all is lost you would expect that to be the least that an insurance company would do! You can't tell me that they can't have a pre-assigned debit card ready in case something like this happens.

As for the insurance company feeling there is something wrong I disagree with that also. If you do any research you will see that insurance companies all over the nation are doing this practice. Research indicates that the judicial system is coming down hard on companies who stall or provide bad faith service. This is why there are now "bad faith claims". Most of this problem increased after Katrina with the large claims. The problem is that the insured has to go through years of litigation and is the one that suffers. The insurance company officers are not missing a beat in their life. But the victim has had their life as it was known lost to fire. Walk in another shoes. Put yourself in that person's shoes and then comment.

Kemper has nothing to lose by doing this. They gain interest on money that should have gone to their customer. This is now month 5. My son's attorney is ready to litigate. I highly doubt that this will make much of an impact on this insurance company. But this should be illegal.

I will vow that I will pursue this to the highest level in government I can. May this be judicial or legislative ! I will help my son and his family fight this company.
Becky734 on 03/24/2010:
Just an update. Into month 9. Kemper continues to stall. This company is so bad. Absolute confirmation of cause of the fire and they have left no recourse but to file a bad faith claim.
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Take Your Money
Posted by on
Rating: 1/51
PORTLAND, OREGON -- Okay first of all I just need insurance I should have looked harder. So they were fine for the first 3 months. Then I notice they stopped taking money out my account and cancelled my policy. Then when I called them they said I did not have enough funds. My payments were $188 and I always keep over $200 so I don't see how that was possible.

Then they also said they sent me a letter to tell me to pay for that month that I missed. The real question is where is that letter and today after 3 months I just got a bill to pay for the cancellation fee. I feel like they just want to take your money.

I would go somewhere else. This company is not very good at all.
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Avoid Kemper Auto Insurance
Posted by on
Our teenage son - granted. He was speeding. Got two speeding tickets within a month. We were with Kemper for nearly ten years and they decided to drop us outright, and our policy runs out next month.

The letter seemed very brooding - "you need to get an attorney if you want to fight our decision" sort of letter. Yeah. After being with them for almost ten years they turn around and pull this off. I called an agent. He treated me as if I had AIDS.

Kemper starts out fine with you, but they're actually out for your money, but if the smallest thing happens to you - even if you back down from a claim, it's still placed on record that you called and yes, it counts against you.

We contacted USAA. I came clean with where we are with my son and their rates actually came out to be slightly lower than Kemper - even AFTER those speeding tickets my son ended up with were available for the agent to see our status.

Kemper is just another one of these fly by night insurance companies that are out for your money - but lo and behold if you get a speeding ticket - it's over, and they will reject you.

I will be letting everyone know to avoid Kemper via Facebook, Myspace, and by other means too (email). I run a blog and also write an online opinion column with a team of writers.
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spiderman2 on 01/06/2010:
Kemper is not a fly by night insurance company, they have been around for years. I understand you are angry, but your son got two speeding tickets in a month and most insurance companies consider that a risk factor. Your insurance with USAA may be cheaper, but make sure it is the same level of insurance as your previous insurance. Hopefully you won't need it, but you want to make sure you have adequte coverage, particularly with a teenage driver.
Anonymous on 01/06/2010:
Try looking at it this way...your neighbor comes to you and says, I've got a deal for you. I pay you a few hundred a year, and you'll be responsible for my son's bodily injury liablility, replacing the car if he wrecks it, and for paying for any property damage he causes. Sure, he's already in the highest risk category of driver, and then he went out and got caught speeding 2x in 30 days (hard to do). But hey, the worst it could cost you is several hundred thousand $$ in court costs and legal liability! Not exactly a sweet deal.
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