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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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Farmers CSR for 4 Years
UPDATED: Aug 18, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
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: How long does it take Kemper to process an auto insurance claim?
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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 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?
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.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.