What is Kemper’s policy on rental car coverage during the claims process?
Kemper's policy on rental coverage during the claims process depends on your auto insurance plan, but you can often enjoy access to a rental vehicle from Kemper while you wait for repairs. You need to add Kemper rental car reimbursement coverage to your auto insurance policy for this service.
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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 offers rental reimbursement coverage for policyholders with comprehensive and liability coverage
- Kemper places a $30 daily limit on rental car expenses and may only let you rent a car for a set period or maximum total amount
- There are additional rules and limitations to be aware of if you use rental reimbursement coverage
Car accidents can disrupt your daily life in more ways than one, and losing access to your main mode of transportation is highly inconvenient. Not only that, but claim processing can take a while if your accident is complex or your vehicle is totaled. Rental car insurance coverage with Kemper can provide peace of mind in such situations.
Securing the right type of auto insurance coverage with Kemper can ensure you can still get from point A to point B while you wait for repairs. If you’re wondering what Kemper’s policy on rental car coverage is during the claims process, you first need to guarantee you have the right type of policy.
Kemper’s Policy on Rental Car Coverage During the Claims Process
Does auto insurance cover rentals? It does for many Kemper policyholders. You first need comprehensive coverage and the liability coverage that most states require by law. Depending on where you live, you may also be able to get it with collision coverage.
This coverage reimburses the cost of renting a substitute vehicle while your insured vehicle is being repaired or replaced. It doesn’t apply if your car is in the shop for regular maintenance or due to a mechanical breakdown.
If you have liability and affordable comprehensive auto insurance coverage with Kemper, then rental reimbursement coverage is included or can be added to your policy.
It provides up to $30 a day or $900 total for rental fees you incur during the claims process. Some of the best affordable auto insurance companies offer similar amounts for rental reimbursement coverage.
Like other companies, Kemper may only reimburse your rental charges for a certain amount of days. There may also be additional limitations worth noting. Sometimes, luxury and high-end vehicles are not eligible for rental car coverage. However, Kemper may allow you to rent a vehicle with a specific company.
Kemper also considers reasonable expenses during your rental period, so you’ll have to rent a vehicle similar to yours in size, model, and make — or pay the difference on a more expensive vehicle.
Read more:
- What documentation do I need to file an auto insurance claim with Kemper?
- How long does it take Kemper to process an auto insurance claim?
- Kemper Auto Insurance Review: Can you get affordable quotes?
How to Use Your Rental Reimbursement Coverage From Kemper
Your car may be in the shop for quite a while before your claim is finalized. To use your rental reimbursement coverage, you should confirm that you’re entitled to it after Kemper acknowledges your claim and investigations and repairs begin.
Kemper auto insurance review may partner with certain rental car companies so that you can avoid out-of-pocket expenses. If your mechanic cannot directly bill Kemper, keep all receipts and documentation so you can submit a reimbursement claim.
Ask Kemper if it has preferred guidelines and rental car providers before you arrange to pick up a replacement vehicle.
Read more: Does my auto insurance cover rental reimbursement if my car is being repaired?
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Kemper’s Policy on Rental Car Coverage During the Claims Process: A Final Note
Using a rental car while your claim is being processed can be a lifesaver. Many people have minor injuries following an accident and need one to travel.
That said, being aware of the limitations in Kemper’s rental reimbursement policy is important, and you must keep the daily monetary limits in mind. Before you need it, be sure you have the right coverage for rental reimbursement.
Frequently Asked Questions
Will my insurance company give me a rental car?
Your insurance company may cover the cost of a rental car. You typically need comprehensive, liability, or collision coverage, and sometimes a combination.
Many insurance companies impose time limits on how long you can rent a replacement vehicle and restrict daily rental expenses to around $30 daily.
Do I need a rental car while my vehicle is in the shop?
This depends on how much you rely on your vehicle for daily transportation. Some people don’t use their car very often and can make do with public transport.
Other people use their car every day or have mobility issues. Speak with your insurance company about qualifying for rental reimbursement coverage if it’s important to you.
How is rental reimbursement coverage different from rental car insurance?
The terms are somewhat interchangeable. For example, you can use “rental car coverage” when discussing rental reimbursement. However, technically they mean two different things.
With rental reimbursement coverage, your insurance company pays for a rental car you can use while your vehicle is being repaired. With rental car insurance, you rent a car from a company and purchase add-on insurance for protection. It is not tied to your auto insurance, and some people opt out.
What does rental reimbursement mean?
Rental reimbursement refers to the coverage provided by an insurance company for renting a substitute vehicle while your insured vehicle is being repaired or replaced.
Does Kemper insurance cover rental cars?
Yes, Kemper Insurance offers rental car reimbursement coverage as part of its auto insurance plans.
Does Geico cover rental cars?
Yes, Geico also offers rental car reimbursement coverage as part of its auto insurance plans.
Does Infinity insurance cover rental cars?
Yes, Infinity Insurance provides rental car reimbursement coverage as part of its auto insurance plans.
Does Progressive auto insurance cover rental cars?
Yes, Progressive Auto Insurance offers rental car reimbursement coverage as part of its auto insurance plans.
Does Progressive’s full coverage include rental cars?
Yes, Progressive’s full coverage typically includes rental car reimbursement coverage.
What is the grace period for Kemper insurance?
The grace period for Kemper insurance may vary depending on the specific policy and state regulations. It’s best to check with Kemper directly for detailed information.
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