Frequently Asked Questions

At Kemper Direct, we want to provide as much information as possible, so you understand your policy and your coverage options. These FAQs are not meant to answer every question. To discuss your question(s) with a Licensed Insurance Representative, please use one of the methods to contact us.

General Questions
How is Kemper Direct Auto Insurance different?
What can you tell me about Kemper Direct's experience and strength?
How soon can I start coverage?
How will your online policyholder service help me?
How do I change my Kemper Direct Auto Insurance on-line policyholder services password?
I forgot my Kemper Direct Auto Insurance on-line policyholder services password.

Coverage Questions
Why do companies charge different rates for different geographical areas?
Why should I buy Collision coverage if my car is older?
What deductible amount do you recommend?
What happens if my windshield gets damaged? Do you pay for that??
What is the difference between Bodily Injury Liability coverage and Medical Payments coverage?
What is the difference between Property Damage Liability insurance and Collision coverage?
What is Uninsured/Underinsured Motorists insurance?
What does "no-fault" automobile insurance mean?
May I sue another driver for damages in a no-fault state?
If I live in a state that does not have no-fault, do I need special coverage to travel through a no-fault state?
What is a surcharge?
What kind of discounts do you offer?

Payment Questions
What payment options do you offer?
What forms of payment do you accept?
I am a current policyholder, how can I make an installment payment on my policy?

Rental Car Questions
Will my policy pay for me to rent a car if mine is stolen?
Do I need to purchase insurance from the rental car company when I rent a car?

CARCO Questions
What is CARCO?
Why do I need a CARCO inspection?
What vehicles require an inspection?
What will take place during the inspection?
What documents should I bring to the inspection site?
How long will the inspection take?
How do I find the nearest inspection site?
How long do I have to complete my inspection?
What happens if the inspection is not completed in time?
How much does the inspection cost?
Will my insurance company be notified when inspection has been completed?

Back to Top

How is Kemper Direct different from traditional insurance companies?
Kemper Direct offers the right balance of benefits for today’s drivers. We combine competitive rates, proven stability, friendly service, and innovative processes with a dedication to simplifying your auto insurance experience. In short, we’re simply the right choice.

Back to Top

What can you tell me about Kemper Direct's experience and strength?
Headquartered in Chicago, Kemper Direct is part of Kemper Corporation (NYSE:KMPR) which has about Six million policyholders and 75 years of experience. We have an "A-" (Excellent) rating for insurance operations from A.M. Best, a leading provider of ratings and financial information for the global insurance industry.

Back to Top

How soon can I start coverage?
We can usually bind coverage as early as 12:01am of the following day.

Back to Top

How do your online policyholder services help me?
It allows you to view and print policy information, request policy changes (like add a driver, change your address, or increase coverage limits), learn about payment options and check your billing status, make a payment, and more. For policyholder service just click here.

Back to Top

How do I change my Kemper Direct Auto Insurance on-line policyholder services password?
If you have already established an on-line policyholder services account and would like to change your password, click here to log in and go to the "My Profile" tab.

Back to Top

I forgot my Kemper Direct Auto Insurance on-line policyholder services password?
If you have already established an on-line policyholder services account and have forgotten your password, click here.

Back to Top

Why do companies charge different rates for different geographical areas?
One factor used in determining insurance rates is the geographical area in which an individual resides. Based on the company's losses for a defined region, a company will determine premiums that reflect accident rates and repair costs for that area.

Back to Top

Why should I buy Collision coverage if my car is older?
Only you can determine the amount of loss you can afford to pay out of pocket.  If your car were damaged and it would not be a hardship to pay the replacement value out of pocket, you may not need Collision coverage.  Of course, you will want to compare the premium cost to the potential loss before you make your decision.

Back to Top

What deductible amount do you recommend?
Only you can determine the amount of loss you can afford to pay out of pocket. If your car is damaged, the deductible is the dollar amount you are responsible to pay for damages. A lower deductible means that you pay less out of pocket in the event of damage to your car - but your premium will be higher. Conversely, a higher deductible will lower your premium. Keep in mind, if your car is financed or leased there may be restrictions on the amount of deductible you can carry.

Back to Top

What happens if my windshield gets damaged? Do you pay for that?
Coverage varies by state. In many states, however, we will waive the deductible if you opt to have your windshield repaired (assuming it is safe to do so).

Back to Top

What is the difference between Bodily Injury Liability coverage and Medical Payments coverage?
Bodily Injury Liability coverage pays for losses sustained by another person (the other driver, passenger, pedestrian) when you or another driver covered by your policy is legally responsible for the accident.

Medical Payments coverage pays for reasonable medical expenses if you or the passengers in your car are in an accident, no matter who caused the accident.  We can let you know the details of coverage in your state.

Back to Top

What is the difference between Property Damage Liability insurance and Collision coverage?
Property Damage Liability insurance reimburses other parties when an accident for which you are legally responsible causes damage to someone else's property.  Collision insurance covers damage to your own car, no matter who caused the accident. (Collision coverage has a deductible.)

Back to Top

What is Uninsured/Underinsured Motorists insurance?
If you or your passengers are injured in an accident in which another driver is at fault, and that driver does not carry liability insurance (or does not carry enough insurance to cover your damages), this insurance covers your expenses up to the policy limits.  The coverage provisions vary by state and the coverage is optional in some states.

Back to Top

What does "no-fault" automobile insurance mean?
No fault insurance permits automobile accident victims to be directly reimbursed for medical and hospital expenses and loss of income by their own insurance company, no matter who was at fault.  No-fault insurance is available in certain states, as provided by law.  Details of this type of coverage are explained under Insurance Basics in the No-Fault section.

Back to Top

May I sue another driver for damages in a no-fault state?
In some states, suing is an option only if you sustained a serious injury, or if a dollar threshold of damages is met.  Each state's laws and regulations are different.  However, no-fault entitles you to prompt reimbursement for your medical expenses and loss of earnings whether or not a suit can be, or is, brought.

Back to Top

If I live in a state that does not have no-fault, do I need special coverage to travel through a no-fault state?
We provide all our automobile insurance policyholders with out-of-state coverage that automatically provides the required insurance for the state or Canadian province in which they are traveling.

Back to Top

What is a surcharge?
A surcharge is an additional premium charge, for a limited number of years, as a result of violations, suspensions or accidents affecting the driving record of any driver covered under your policy.

Back to Top

What kind of discounts do you offer?
You may qualify for one or more of our money-saving discounts (acceptable proof may be required). Availability and specific details of discounts vary by state. For a list of available discounts, click here.

Back to Top

What payment options do you offer?
Kemper Direct offers a variety of convenient payment plans, one of which is certain to fit your needs. In certain states, you can save even more with our Pay in Full Discount.

Back to Top

What forms of payment do you accept?
For new policy downpayments by phone, we accept Visa, MasterCard, and Check by Phone.  For new policy downpayments by mail, we accept check, money order or relevant Visa or MasterCard information.

Back to Top

I am a current policyholder, how can I make an installment payment on my policy?
It's quick and easy to make an installment payment online or over the phone. No need to write checks, stamp envelopes, or deal with post office delays.

Back to Top

Will my policy pay for me to rent a car if mine is stolen?
Yes, if you have Comprehensive coverage.  Beginning 48 hours after a theft has been discovered and reported to the police and your insurance company, the expense for a rental car is covered.  Check your policy to determine how much rental coverage is provided.  Your policy will either list daily amounts or a lump sum.

Back to Top

Do I need to purchase insurance from the rental car company when I rent a car?
The insurance that car rental companies offer is very expensive, so many people wonder if it's a necessary expense.  This information can help you make your decision.  Click on the link that applies to your state.
All states except California and Texas
California
Texas

Back to Top

Rental car coverage, all states except California and Texas

Liability coverage
Your policy will provide Liability protection for your rental car equal to your policy limits.  If you were to injure someone while driving the rental car, your would have the same amount of Bodily Injury Liability coverage as if you were driving your own car.  You would also have the same Property Damage Liability, but his coverage would not cover fixing the rental car.

Damage to the rental car
If the rental car has a Comprehensive claim (broken windshield or theft) or if the car is involved in an accident, you are responsible for the Comprehensive and Collision damages.  You would also have to pay for any loss of use.  (For example, if the car took two weeks to repair, the rental company could charge you for the two weeks' worth of rental because they lost income when they were unable to rent the car.)

If your policy includes Comprehensive (other than Collision), Collision and Extended Transportation on any one of your vehicles, you have protection for damage done to the rental car.  However, you would be responsible for the deductible amount shown on your policy.

Many people do not have Extended Transportation coverage.  This coverage covers loss of use at $30 a day up to $900 for any one loss.  If you add it to any of your cars at approximately $30 for the year, you are covered for rental cars.  Rental companies normally charge $10 to $20 per day for this coverage.

If you do purchase the Loss Damage Waiver from the rental company, it also covers you for any Comprehensive or Collision claims, and you will not have to pay the deductible.

If you want Extended Transportation Coverage, please use one of the methods to contact us.

Back to Top

Rental car coverage, California

Liability coverage
Your policy will provide Liability protection for your rental car equal to your policy limits.  If you were to injure someone while driving the rental car, you would have the same amount of Bodily Injury Liability coverage as if you were driving your own car.  You would also have the same Property Damage Liability, but this coverage would not cover fixing the rental car.

Damage to the rental car
If the rental car has a Comprehensive claim (broken windshield or theft) or if the car is involved in an accident, you are responsible for the Comprehensive and Collision damages.  You would also have to pay for any loss of use.  (For example, if the car took two weeks to repair, the rental company could charge you for the two weeks' worth of rental because they lost income when they were unable to rent the car.)

If your policy includes Comprehensive (other than Collision) or Collision on any one of your vehicles, you have protection for damage done to the rental car.  However, you would be responsible for the deductible amount shown on your policy.

You only get Transportation Expense for a Comprehensive loss if you have Comprehensive coverage.  And you only get Transportation Expense for a Collision if you have Collision coverage.

Transportation Expense coverage covers loss of use up to $20 a day and up to $600 for any one loss.  You can purchase Extended Transportation coverage on your policy, which would cover loss of use in the amount of $30 per day up to $900 for any one loss.  If you add it to any of your cars at approximately $18 for the year, you are covered for rental cars.  Rental companies normally charge $10 to $20 per day for this coverage.

If you do purchase the Loss Damage Waiver from the rental company, it also covers you for any Comprehensive or Collision claims, and you would not have to pay the deductible.

If you want Extended Transportation Coverage, please use one of the methods to contact us.

Back to Top

Rental car coverage, Texas

Liability coverage
Your policy will provide Liability protection for your rental car equal to your policy limits.  If you were to injure someone while driving the rental car, you would have the same amount of Bodily Injury Liability coverage as if you were driving your own car.

Damage to the rental car
Property Damage Liability provides coverage in connection with the loss or damage to a rented vehicle equal to your policy limits.

Back to Top

CARCO Questions

What is CARCO?
CARCO is a company that works closely with Kemper Direct and our policyholders to handle state mandated inspections quickly and easily.

Back to Top

Why do I need a CARCO inspection?
Inspections are mandated in New Jersey, New York and within the following Florida counties: Broward, Dade, Duval, Hillsborough, Orange, Palm Beach, and Pinellas. The inspection will document the existence of your vehicle, its physical condition, and its existing options and accessories. The inspection is conducted to reduce the cost of physical damage insurance coverage by accurately documenting your vehicle, and reducing the possibility of fraudulent claims.

Back to Top

What vehicles require an inspection?

New Jersey: Any vehicle that carries comprehensive coverage (also known as other than collision) and/or collision coverage, with the following exceptions:

  • Vehicles that are 7 model years old or older.
  • New and unused vehicles (vehicles that have never been titled and have less than 1,000 miles on the odometer). In order to waive the inspection, you must provide: 1) a bill of sale, or 2)a copy of the window sticker or dealer invoice, or 3) a vehicle buyerís contract.
  • For an additional and/or replacement vehicle, where you have been continuously insured with Kemper Direct for 4 or more policy years.

New York: Any vehicle that carries comprehensive coverage (also known as other than collision) and/or collision coverage, with the following exceptions:
  • Vehicles that are 7 model years old or older.
  • New and unused vehicles (current or next calendar year with less than 3,000 miles on the odometer). In order to waive the inspection, you must provide: 1) a bill of sale, or 2) a copy of the lease agreement and a copy of the window sticker showing the itemized options and equipment.
  • For an additional and/or replacement vehicle, where you have been continuously insured with Kemper Direct for 4 or more policy years.

Florida: Any vehicle that carries comprehensive coverage (also known as other than collision) and/or collision coverage in Broward, Dade, Duval, Hillsborough, Orange, Palm Beach, and Pinellas counties, with the following exceptions:
  • Vehicles that are 10 years or older.
  • Vehicles being used as a temporary substitute.
  • Vehicles leased for less than 6 months (you must provide a copy of lease/rental agreement).
  • A new or unused vehicle purchased from a licensed dealer or leasing company. You must provide a copy of the bill of sale or title/registration showing the transfer of ownership and a copy of the window sticker/dealer invoice with all options listed.
  • The inspection requirement may also be waived if you can provide proof of continuous physical damage coverage for 12 months preceding the coverage effective date. The "proof" should be a copy of your prior carrier's Declarations Page.

Back to Top

What will take place during the inspection?
The CARCO inspector will complete a state-mandated inspection report form, noting the general condition of your vehicle, options, accessories, vehicle identification number (VIN), odometer reading, and other required information. You will then review and sign the inspection report. At the completion of the inspection, you will be provided with a copy of the official report, which should be retained for your personal records. The original inspection report, with photos, will be processed by CARCO and forwarded to Kemper Direct.

Back to Top

What documents should I bring to the inspection site?
Please bring any documentation that lists Kemper Direct as your insurance company along with your policy number and a description of your vehicle. This information should be presented to the inspector for mailing to CARCO, along with your completed inspection report. The documentation is used in processing your inspection report; however, if no documents are provided, you may still have your inspection completed. Just be sure to tell the inspector that Kemper Direct is your insurance provider.

Back to Top

How long will the inspection take?
The process will take approximately 20 minutes to complete. Although most inspection sites do not require an appointment, it is best to call ahead to confirm availability.

Back to Top

How do I find the nearest inspection site?
You can contact CARCO directly toll free at 888.242.1200, or by accessing their website at www.carcogroup.com.

Back to Top

How long do I have to complete my inspection?

New York: 5 days from the effective date of your policy, or 5 days from the date the vehicle with physical damage coverage was added to your policy.

Florida and New Jersey: 7 days from the effective date of your policy, or 7 days from the date the vehicle with physical damage coverage was added to your policy.

Back to Top

What happens if the inspection is not completed in time?
If the inspection is not completed within the allotted time frame, physical damage coverage will be suspended on the applicable vehicle(s).

Back to Top

How much does the inspection cost?
There is no cost to have your vehicle(s) inspected.

Back to Top

Will my insurance company be notified when inspection has been completed?
Yes. The original inspection report will be processed by CARCO and forwarded to Kemper Direct.