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找人帮你修车
保险索赔

Kemper hopes our claims process will help make reporting your claim easier.

Woman writing up a claim next to a car.

汽车索赔流程

用笔和纸画图标
1. 提出索赔

提出索赔 在这里. A claims adjuster will be assigned to you.

索赔理算员的图标图
2. 理算员将与您联系

The claims adjuster assigned to your claim will contact you by the next business day to get the process started.

Icon drawing of mechanic repairing a car
3. 评估损失

Your adjuster will let you know what kind of inspection you need. For minor damage you may be able to submit photos. For more severe damage, an inspector may be assigned to review your damage.

客户服务代表的图标绘制
4. 获得估算和维修计划

Your claims adjuster will provide an estimate and assist you in scheduling the repairs. For your convenience, we offer repair services through our trusted IM体育版APP下载维修网络, or you may schedule your own repair service.

图标绘制的钱在手中

5. 索赔已获支付

Payment is made directly to you or the repair shop managing your repairs.

Cartoon image of customer service representative

需要帮助您的现有索赔?

如果你已经提出索赔, you can contact your adjuster during local regular business hours:

星期一至星期五 
8:00am-5:00pm

800-353-6737

Please have your adjuster extension and claim number ready.

自动索赔-常见问题

    如何查询我的索偿进度?

    一旦你提出索赔, you can call your adjuster at 800-353-6737 during regular business hours, 星期一至星期五 from 8:00am – 5:00pm in your local time zone.

    For American Access claims call 630-645-7755

      我是否需要申报我的索偿?

      We encourage you to contact us any time you have a loss. We are 在这里 to protect your interest and help when you are involved in an auto accident, 不管是谁的错. 一旦你报告索赔, a claim adjuster will be assigned to explain the claim process and answer any questions.

        What type of information do I need to file a claim?

        You should file your claim as soon as possible even if you do not have all the necessary information. Here are some of the items we typically ask for:
        •Kemper政策信息
        •您的联系方式
        •事件发生的日期和时间
        •事件描述
        • Contact information for drivers, passengers, and witnesses
        •警察报告(如有)
        • Photos of vehicle damages or scene of accident
        • Description of damages to vehicle or property
        •伤情描述

          How can I get an estimate for my vehicle damages?

          Your claims adjuster will work with you to determine the type of inspection needed. 以下是一些可能的选择:
          • Your adjuster will provide a link to upload photos of damages
          • Appraiser assigned to inspect your vehicle
          • Inspection performed by IM体育版APP下载维修网络 partner
          • Inspection performed by your own repair shop

            我怎样修理我的车?

            You have the choice of w在这里 to have your vehicle repaired. Your claims adjuster will walk you through the options and explain the process.
            If you need help finding a shop, you can choose one from our IM体育版APP下载维修网络

              What if my vehicle repairs cost more than the original estimate?

              Your repair shop will contact Kemper to discuss any additional damages discovered during the repair process. An additional estimate may be needed for any covered damages.

                我的车需要修理吗?

                选择权在你. 如果你没有自己的车, check with your lien holder or leasing company before making any decisions. If you don’t repair, we will issue payment to you minus your deductible.

                  如果我需要出租呢?

                  Kemper policy holders, check your policy for rental reimbursement coverage. Your claims adjuster will discuss the available options and can assist in scheduling a rental vehicle if coverage applies.

                    What if I need my rental vehicle longer than expected?

                    Kemper policy holders, check your policy for specific limits of rental reimbursement coverage. If you need to extend the rental period, you may be responsible for the additional expense.

                      What if my vehicle is considered a Total Loss?

                      When t在这里 are extensive damages and it is not practical to complete repairs to your vehicle, it may be determined to be a total loss. In preparing to resolve the total loss of your vehicle, follow these steps:
                      • Clean out your vehicle of all your personal items
                      • Leave your keys with the vehicle at the storage location or repair shop
                      • If your vehicle is located at a wrecker yard, release the vehicle to Kemper Insurance

                        我的索赔需要多长时间?

                        Each claim is different and can include multiple factors that determine how long your claim will take. Contact your claims adjuster at 800-353-6737 to discuss the details of your claim.

                          我需要支付免赔额吗?

                          Yes, when you file a claim on your policy, you are responsible for paying your deductible.

                            When should I expect to receive payment for my claim?

                            Payment is made once coverage is confirmed and the investigation is complete. It will be made to you minus any applicable deductible. Payment may be made to your leasing company or lienholder if you do not own your vehicle.