If you own or lease a car, you'll find dependable service, competitive rates and attractive coverage options with our
auto insurance package. When you need to make a claim, Kemper's Claim Department is committed to the
highest service standards, with fast response and fair settlement of claims.
Kemper Automobile Coverage
This policy covers the major categories involved in automobile mishaps. It includes:
Bodily injury to you and others.
Damage to someone else's car or property.
Collision damage (covers damage to your car).
Typical liability limits for Kemper Auto are $250,000 per person or $500,000 per incident, although increased liability limits are available.
Repair or Replacement Plus
This coverage pays to repair or replace your vehicle even though the cost may be more than your vehicle is worth at the time of the accident. Most loss situations are covered, with the exception of fire, theft and larceny.
This option can be purchased within a reasonable time after you buy or lease a brand new vehicle. It is available in most states as long as you carry collision and other-than-collision coverage on the vehicle. In some states there may be limits on how long the coverage will apply to your vehicle. For example, this coverage expires in Florida when the vehicle is more than five years old. Contact a Kemper agent for more information about this valuable coverage.
Auto loan/lease protection
If you suffer a total loss, your vehicle's cash value may be less than the amount you still owe on the loan or lease. This protection covers that payment gap and is available for new and used cars, trucks, or vans.
You may add this coverage to any Kemper Auto policy, as long the vehicle is not more than three model years old.
Safety discounts
You can usually benefit from discounts if you have the following:
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