How does Kemper handle claims involving uninsured/underinsured motorists?
Discover how Kemper handles claims involving uninsured or underinsured drivers, the importance of Kemper uninsured motorist coverage, and important steps to take after a hit-and-run accident or collision with an uninsured driver. Here's everything you need to know about uninsured claims with Kemper.
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated November 2024
- Kemper’s claims process involves reporting the accident, submitting a claim, investigating, and confirming coverage for accidents with uninsured or underinsured motorists
- Uninsured motorist coverage offers protection against financial burdens caused by at-fault drivers without adequate insurance
- Follow essential steps if involved in an accident with an uninsured driver, such as collecting information, filing a police report, and notifying your insurer
How does Kemper handle claims involving uninsured/underinsured motorists? As a policyholder, understanding the process can reduce stress and uncertainty in the unfortunate event of an accident with an uninsured or underinsured driver.
In this article, we will discuss Kemper’s claims process and explain uninsured motorist coverage and its benefits. Learn more about Kemper’s offerings with our Kemper Auto Insurance review.
The Importance of Uninsured Motorist Coverage with Kemper
According to some estimates, up to 25% of drivers on the road may be uninsured in some states. This is where uninsured motorist coverage (UM) comes in handy. It is an optional insurance coverage designed to protect you from the financial burden of an accident if you hit an uninsured driver.
There are two components of UM: Uninsured Motorist Bodily Injury Coverage (UMBI) and Uninsured Motorist Physical Damage (UMPD).
UMBI provides medical coverage for injuries sustained in an accident caused by an uninsured or underinsured driver, while UMPD covers repairs to your vehicle if the at-fault party lacks sufficient coverage. Different forms of UM coverage are required in different states.
Opting for UM coverage can save you time and money by allowing you to file a claim with your insurance carrier, such as Kemper, instead of suing the other driver for medical expenses and car repairs.
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Kemper’s Claims Process Involving Uninsured/Underinsured Motorists
When you’re involved in a hit-and-run accident or collide with an uninsured driver, it’s essential to gather as much information as possible and report it promptly to Kemper. Here’s a step-by-step breakdown of how Kemper handles these situations:
- Report the accident immediately: Reach out to Kemper or your insurance agent as soon as possible. It’s vital to file a police report after an accident, even more so when it involves an uninsured driver or hit-and-run.
- Submit your claim: Provide Kemper with all relevant information about the accident, including details on damage, injuries, and any eyewitness statements. Learn more about how to file an auto insurance claim.
- Investigation phase: Kemper’s claims adjuster will investigate your claim, evaluate the damage, and determine if your UM coverage applies.
- Coverage confirmation and payment: If Kemper determines that your UM coverage applies, the company will process your claim according to your policy limits for UMBI and/or UMPD coverage.
Note that each state has specific regulations regarding uninsured motorist claims, and this may impact the process.
Read more: How do I file an auto insurance claim with Kemper?
What to Do if You Didn’t Get Any Insurance Information After an Accident
If you didn’t get insurance information after an accident, don’t panic — there are steps you can take:
- Collect essential details: Jot down any details you have on the other driver’s vehicle (make, model, license plate number) and look for any witnesses who might have seen the incident.
- File a police report: Calling the police is crucial in hit-and-run accidents — they can help locate the offender and document the event.
- Notify your insurer: Report the incident to Kemper as soon as possible.
Remember that if you have UM coverage with Kemper, it will assist in handling repair costs or medical bills resulting from the accident.
Car Repairs vs. Paying Out of Pocket
If you’re faced with a hit-and-run situation or an underinsured driver claim, you may wonder whether it’s better to pay for repairs out of pocket instead of going through insurance.
Depending on the amount of damage, your deductible, and potential premium increases, it may be worth paying out of pocket instead of going through insurance. Be sure to check your state laws and policy requirements to make an informed decision.
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Kemper Claims Process Involving Uninsured Drivers
Kemper’s claims process involving uninsured and underinsured motorists aims to make it as smooth as possible for policyholders with UM coverage.
Keep in mind that UMBI and UMPD insurance plays a significant role in safeguarding your well-being and assets when you have an accident with an at-fault driver without adequate coverage. Make sure to explore your options and choose an affordable auto insurance policy that suits your needs.
Frequently Asked Questions
What if the uninsured/underinsured motorist is at fault, but they refuse to pay?
If the at-fault driver refuses to pay or cannot be located after a hit-and-run accident, uninsured motorist coverage can help protect you from out-of-pocket expenses. Kemper will handle your claim according to your UM policy limits and coverage.
Are there any deadlines when filing a claim related to uninsured or underinsured motorists?
Each state has specific regulations regarding deadlines for filing uninsured/underinsured motorist claims. It’s essential to report the accident to Kemper or your insurance agent as soon as possible to avoid missing any critical deadlines.
Can I still claim damages if I don’t have uninsured motorist coverage?
If you don’t have UM coverage, you may need to rely on legal action against the at-fault driver. However, this may be more challenging if the driver is uninsured or underinsured. Consider discussing your options with a lawyer in such cases.
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