What happens if I disagree with Kemper’s decision on my auto insurance claim?

When checking the status of your auto insurance claim, you may see that Kemper has denied or reduced the amount of your claim. The company may also send you a letter explaining the decision, but learning that you will not receive the money you expect can be stressful.

What happens when you disagree with Kemper’s decision on your auto insurance claim depends on how well you follow the steps for ensuring fair compensation. Read on to learn more.

What to Do if You Disagree With Kemper’s Decision on Your Auto Insurance Claim

If you disagree with Kemper, the first step is to review your Kemper auto insurance review policy. Many drivers misunderstand the different types of auto insurance coverage and assume they have protection in all scenarios.

However, you need collision coverage for accidents, comprehensive coverage for theft and vandalism, and liability coverage if you are at fault during an accident. Kemper may deny your claim simply because you don’t have the corresponding coverage for the incident.

If you’re confident your policy covers the accident or event, the next step is to call Kemper. An adjuster may stand by their decision, or they may notice a potential mistake.

Insurance claims involve a lot of paperwork, documentation, and communication between the policyholder, adjusters, and other parties involved in the claim process. As a result, mistakes can occur at any stage of the process, from the initial filing of the claim to the final decision.

If you and Kemper still disagree, you can now file an appeal. First, Kemper should notify you of your denial or underpayment in writing. In this letter, look for instructions on how to appeal your claim. It may include a form you can fill out or list an address to mail a letter of appeal.

Read more:

• What documentation do I need to file an auto insurance claim with Kemper?
• Kemper Auto Insurance Review: Can you get affordable quotes?

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How to Contest Kemper’s Decision on Your Auto Insurance Claim

As mentioned, Kemper’s claim response may include an appeal form. You may also write an appeal letter. Here are some important tips to remember if you choose to contest a claim decision:

• Include a summary of the accident or incident.
• Include an explanation of why you disagree with Kemper.
• Include evidence you may have missed when you originally filed your claim. For example, you may need to submit a police report after an accident to receive compensation.
• If you believe that the denial was based on a misinterpretation of your policy language, provide specific language from your policy that supports your position.
• If you are unsure about the appeal process, consider consulting with an attorney. This will also help if you believe Kemper is acting in bad faith.

It’s important to communicate clearly and concisely and avoid emotional language. Stick to the facts and provide as much evidence as possible to support your position.

Read more:

• How long does it take Kemper to process an auto insurance claim? 
• How do I file an auto insurance claim with Kemper?

Why Kemper May Deny or Underpay Your Auto Insurance Claim

Understanding how auto insurance claims work and Kemper’s reasoning for its decision is important before you file an appeal. Here are some reasons Kemper may underpay or deny you:

• Failure to pay premiums: If you have not paid your premiums or your policy has lapsed, your claim may be denied.
• Negligence: If Kemper determines that you were negligent in causing the damage or loss, it may underpay or deny the claim.
• Disputes over the cause or extent of the damage: There may be disputes between you and Kemper over the cause or extent of the damage, which can lead to a disagreement over the amount of the claim payout.
• Misrepresentation: Being dishonest about your details and driving record when you first acquired your coverage can come back to haunt you when you need to file a claim. Kemper may deny you if it discovers misrepresentation.
• Insufficient evidence: You may have forgotten to include supporting evidence while filing your claim. Luckily, this is relatively easy to fix during the appeal process.
• Delay in reporting the claim: If you waited too long to report the claim, Kemper might underpay or deny it.
• Coverage limitations and policy exclusions: Kemper can deny or underpay your claim if you are only covered up to a certain amount or don’t have the correct coverage type.

Always remember that human error can play a role in a claim decision. If Kemper decides to re-investigate, be patient, courteous, and helpful.

Handling Disagreements Over Kemper’s Claims Decision

Auto insurance underpayments and denials can be difficult situations to navigate. Often, an innocent mistake or failure to grasp your policy terms can result in disagreements. However, you can pursue an appeal and legal assistance if you suspect Kemper is not being fair.