What is Kemper’s policy on rental car coverage during the claims process?

If you have Kemper auto insurance, and you were recently in a car accident that left your vehicle undrivable, you are probably wondering, “What is Kemper’s policy on rental car coverage during the claims process?”

Keep reading to learn how to file a car insurance claim and related tips on what you need to do if you need a rental car while your vehicle is repaired.

Kemper’s Policy on Rental Car Coverage During the Claims Process

Kemper’s policy on rental car coverage during the claims process is pretty straightforward: It will cover a rental car, provided your auto insurance coverage includes rental reimbursement.

This type of coverage is not one of the car insurance requirements, so not every driver has it as part of their auto insurance policy.

According to information on the Kemper car insurance website, there will not be any rental car coverage until it is determined that there is no issue with your car insurance coverage.

While you might need to rent a vehicle to get to work during the claims process, you probably don’t want to assume that Kemper auto insurance will reimburse you for the rental car coverage.

Speak with your agent, if you have one, to go over the types of auto insurance coverage you have with Kemper car insurance and whether or not rentals are included in your policy.

How To Start the Claims Process With Kemper

While being in a car accident is stressful, it is important that you try to file the claim with Kemper auto insurance as soon as you can. This will help expedite the rental car reimbursement approval. You can call your agent, if you have one, to start the claims process, or you can start the claim on the Kemper website.

Kemper will then assign an insurance adjuster to your claim. The adjuster will reach out to you shortly after you file the claim to go over the details of the accident, as well as to verify your auto insurance coverage.

Read more:

• How long does It take for Kemper to process a car insurance claim?
• Will my insurance rates increase if I file a car insurance claim with Kemper?

Other Tips Regarding Kemper’s Policy on Rental Coverage During the Claims Process

If you have rental car reimbursement as one of the types of car insurance on your Kemper auto insurance policy, it is important to verify the daily amount Kemper’s will pay and/or the maximum amount your policy will allow. This will help you to find a rental car that your policy will completely cover.

While you might want to go out and rent a vehicle that is similar to your own vehicle, if you drive a very large car or truck, this may be an issue. Your rental car reimbursement may only cover a compact economy car.

Again, your adjuster or agent will be able to advise you on how much Kemper’s will reimburse and what rental car options are available to you, as well as if the company prefers to work with specific rental car companies.

Case Studies: Kemper’s Policy on Rental Car Coverage During the Claims Process

Case Study 1: Rental Car Reimbursement Coverage

Sarah was involved in a car accident that left her vehicle undrivable. Fortunately, she had rental car reimbursement coverage as part of her Kemper auto insurance policy. Sarah promptly filed a claim and contacted her agent to discuss the rental car coverage.

Kemper approved her claim and provided reimbursement for the rental car expenses while her vehicle was being repaired. This coverage ensured that Sarah had a temporary replacement vehicle and minimized the inconvenience caused by the accident.

Case Study 2: No Rental Car Coverage

John, on the other hand, did not have rental car reimbursement coverage as part of his Kemper auto insurance policy. When his car was damaged in an accident, he had to rely on alternate transportation arrangements while his vehicle was in the repair shop. Without the rental car coverage, John faced additional expenses and inconvenience during the claims process.

Case Study 3: Understanding Policy Coverage

Amy thought she had rental car reimbursement coverage as part of her Kemper auto insurance policy. However, upon reviewing her policy, she discovered that she did not have this specific coverage. As a result, she had to bear the cost of renting a car out of her own pocket.

This case highlights the importance of understanding the details of your policy and verifying the coverage options you have in place.

Final Thoughts On Kemper Rental Car Coverage

When your vehicle is damaged in an accident, and you cannot drive it until it is fixed, you will still need a car to get from Point A to Point B.

By understanding Kemper’s policy on rental car coverage during the claims process and determining if you have rental car reimbursement, you may be able to get paid back for your rental while your vehicle is in the shop.