Filing a car insurance claim, especially after an accident, can be equal parts confusing and intimidating.
Thankfully, the claims process is often not as complicated as many think. Still, we’re here to walk you through the entirety of the claims process, including step-by-step instructions and additional tips for filling effectively.
A car insurance claim is a formal request you make, as a policyholder, to your insurance company to cover losses or damages sustained to your vehicle.
When you're involved in an accident, experience theft, vandalism, or any other incident that is covered by your policy that results in damage to your car, you can file a claim.
The process typically involves contacting your insurance company, providing details of the incident and submitting any necessary documentation — such as photos of the damage or a police report. After reviewing the claim, the insurance company will determine the appropriate payout or coverage to provide you based on the terms of your insurance policy.
Reporting your claim is easy through our online portal. Before beginning the reporting process, make sure you have the date and approximate time of the accident and one of the following:
You’ll also want to provide as many of the following as possible to help smooth the process:
Once you have filed your claim, an adjuster will be assigned to you and will contact you shortly to begin their investigation. For streamlined communication, ask your adjuster about two-way texting for claim updates, document sharing, and more.
During the investigation, your claims adjuster will evaluate the damage to your vehicle and let you know what kind of inspection you need.
For minor damage, you may be able to submit photos. However, for more severe damage, an inspector may be assigned to come see your vehicle in person.
Once the damage evaluation is complete, your adjuster will reach out to you with an estimate and to help you schedule repairs to your vehicle. You’re free to take your vehicle to any repair shop you wish; however, if you don’t already have one in mind, our Kemper Repair Network can help you find a reliable shop that provides quality service.
Simply enter your ZIP code or search by address and see Kemper-partnered shops in your area.
Your claim payment can be made directly to you or the repair shop that’s responsible for your vehicle — whichever option is more convenient for you. That’s it!
While we strive to make the claims process as straightforward as possible, there are a few ways you can help streamline the process even further to ensure you receive prompt, uninterrupted service:
Even when an accident isn’t your fault, you're still required to follow insurance procedures, including reporting the incident and filing a claim.
Whether your insurance rates will go up after an accident depends on several factors, including the severity of the accident, who was at fault, your driving history, and the specific policies of your insurance provider.
It's essential to review your insurance policy and understand the terms regarding accidents and rate changes. Additionally, discussing the situation with your insurance agent or provider can provide clarity on how an accident might impact your rates.
Auto insurance claims typically cover a variety of expenses and damages resulting from an accident. The specific coverage provided by your auto insurance policy may vary depending on the type of coverage you have and the terms of your policy.
With Kemper, you can get coverage for:
*In Florida, each driver will file a claim for personal injury with their own car insurance company regardless of fault.
Kemper is committed to improving insurance for the everyday customer. We offer affordable, personalized insurance for individuals, families, and businesses that’s easy to use.
Want to learn more? Request a quote.
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.