Complaints

This profile includes complaints for Kemper Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Kemper Corporation

  200 E Randolph St Sutie 3300 Chicago, IL 60601-6436

  
• 

  Kemper Insurance Companies

  410 Main Buffalo, NY 14202

• 

  Kemper Life

  400 Penn Center Blvd Ste 311 Bldg 4 Pittsburgh, PA 15235

  
• 

  United Insurance Company of America

  1738 Elton Road Suite 315 Silver Spring, MD 20903

• 

  Kemper Direct Insurance Company

  50 Glenmaura National Blvd Ste 201 Moosic, PA 18507

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/11/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My elderly mother has two (2) policies with Kemper, I have not actually seen copies of the policies. Last summer, I called the Ontario, ** office to get information on the policies so that I could establish online accounts as my mother had received overdue notices. Knowing that she wanted to keep the policies in place I got in contact with the Ontario office, who in turn told me I needed to contact the agent. They gave me the agents contact information and although it took several tries, I finally reached ****** ******. I informed her about the letter my mother had received regarding overdue payments and asked how we could have the payments come directly from my mothers account. She said to provide the debit card number and that would be sufficient to get the automatic payments started. I provided the required information and assumed all was well.This past Monday I received a frantic call from my step-father stating he had received a call from Kemper informing him that no payments were being made on the policies and if payments were not made the policies would be cancelled. I told him I would call and make the payments which I made. Funny thing was no payment was overdue so I assume he may have been scammed. I have tried numerous times to contact ****** ****** and to establish an online account over a two-day period. I have left two messages so far for her to contact me to no avail. When I try to establish an online account, I receive the message cannot locate policy number and zip code combination. So what I am seeking is copies of the policies with the policy numbers so I can establish online payments and ensure the policy stays in good standing, a phone call from the agent, and any tech assistance you can offer in resolving the issue we are having online. It should not be this difficult to: 1. Reach an Agent. 2. Establish an online account. 3. Make timely monthly payments.

  

  Business Response

  Date: 03/28/2025

  attached 

  Customer Answer

  Date: 03/28/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:03/06/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *Kemper Auto Commercial*Claim ************* - The loss occured on Sep 19, 2024. A Kemper insured turned into my car while taking a turn from a lane they should not have.- I opened a claim with the other party on the same day and followed all protocol. Proof was provided as I believed the other party was at fault. Kemper accepted 90% of the claim. - I submitted my first set of rental car receipts (from date of incident to mid-October 2024). Payment was received on Oct 29th for these invoices. - I picked up the car on Nov 2, 2024. - I submitted the rest of my rental car receipts (from approx. mid-Oct 2024 to date of car pickup) on Dec 3, 2024. - I also informed about a scratch that had not been addressed by the repair shop.- I received ackowledgement from the adjuster on Dec 19 2024 that they will process the pending receipts and also check with the appraiser regarding the unrepaired scratch. - Despite multiple follow-ups from December until today (Mar 6 2025) - no further action has taken place. I am still waiting to receive approx. $900 in pending rental car payments as well as no action on the scratch. - I am attaching the pending receipts and email conversation on the matter.

  

  Business Response

  Date: 03/17/2025

  Please see the attached response for file ********.

• Initial Complaint

  Date:03/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi, I would like to report an issue with about adjuster name ******* ******* extension *******. My issue is your client has Hit my vehicle and they are at fault. The adjuster is not very helpful. Shes very rude doesnt help at all. My lawyer has contacted her numerous of times to help me with my vehicle no one called back or a supervisor to get this situation taken. So very unprofessional to the point, its very stressful and its affecting my day-to-day all Im trying to do is get my car fixed. The attitude could be left along. Im a customer, looking for the help. There is no reason to be rude to somebody if youre supposed to be helping and you are an adjuster. I feel yall should not have no one work for yall company in this matter please look into this situation. Thank you.

  

  Business Response

  Date: 03/19/2025

  Please see the attached response for file ********.

• Initial Complaint

  Date:02/24/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Long story short, I was hit by a driver with Kemper insurance and they've been uncooperative and it's been over a month now with a damaged car. First they agreed to cover my repairs, then after sending a small amount of money they are refusing to cover the rest and told me to go through my own insurance. I'm TRYING to go through my own insurance but they cannot take over until Kemper allows me to return the money they've sent me. Their agents are dodging calls and keep telling me to keep the money or that they'll get the money later through some method. I cannot legally get my car fixed with my own insurance until Kemper takes the money they sent me. This feels illegal. Take the $1,551.71 you sent me for my $11K of car damages and the $125 you gave me to replace $700 worth of car seats back so I can get my car repaired through MY OWN insurance company.

  

  Business Response

  Date: 03/11/2025

  Attached, please find the submitted response letter for this complaint.

  Customer Answer

  Date: 03/12/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ***********

• Initial Complaint

  Date:02/22/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  assistance regarding my unresolved claim with Kemper Auto Insurance. I have experienced significant delays and a complete lack of communication from their side, and I feel compelled to escalate the matter.Incident Details:Date of Incident: February 8, 2025 Nature of Incident: My vehicle was involved in a collision, and I promptly filed a claim with Kemper Auto Insurance.Claim Process: After filing the claim, my vehicle was picked up by Kempers service; however, since that time, I have not received any updates regarding the status of my claim or the repair process.Efforts to Resolve the Issue:I have made multiple attempts to contact Kemper Auto Insurance via phone calls, emails, and text messages.Despite my repeated follow-ups, I have not received any response or guidance on how to proceed with my claim.Impact on Me:This lack of communication has left me without a reliable vehicle and has created significant inconvenience and uncertainty. I believe that a reputable company should maintain clear and timely communication, especially in a situation that directly affects a customers mobility and financial well-being.Request for Assistance:I kindly request that the BBB review my case and help facilitate a resolution with Kemper Auto Insurance. Specifically, I am seeking:An investigation into the handling of my claim.Assistance in obtaining a prompt and clear response from Kemper regarding the status of my claim.Guidance on any additional steps I should take if the situation is not resolved

  

  Business Response

  Date: 03/07/2025

  Attached, please find the submitted response letter for this complaint.

• Initial Complaint

  Date:02/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I experienced a home fire on October 20, 2024. My rebuild contractor submitted an estimate for repairs to my adjuster and Kemper Insurance on December 17, 2024. It has been nearly 60 days since that estimate was provided, and we still do not have an agreed-upon scope for reconstruction.Even interim approvals for essential items like roof trusses and windows, which have lead times of 2 and 6 weeks respectively, have not been granted. Without these approvals, we cannot begin interior work, leaving us at a standstill.I understand this is a significant claim, but we urgently need decisions on these two items and the overall scope of work to move forward.

  

  Business Response

  Date: 03/07/2025

  Hello,

  Please see our attached response for file 22969279.

  Please advise if further assistance is needed.

  Thanks,

  Regulatory Administration
  ************************************************************************************
  ************
  ***************************************************************************************

• Initial Complaint

  Date:02/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My daughter was injured and ultimately Kemper totaled the car. Kemper appraised the damage at $2700 and sent a check to my daughter, Classis Collision appraised the damage at over $9700. Kemper Totaled the car. We were instructed to pick up the car and release it to Kemper upon signing the documents to accept the settlement. We were told that the settlement check would be mailed upon pickup of the car Feb 5th. Even though Kemper had power of attorney and had picked up a car that was still drivable, they stated they would not send the check until paperwork was received from Titlemax (Lien). They even suggested that my daughter payoff the car loan to speed up the process. ******** stated they sent the document on Feb 6, Kemper mailed the check Feb 12 (Still not received). Upon receiving the notice the check was short the $2700 paid to the repair shop. Kemper instructed us to give the check to the shop. I asked about the money upon picking up the car, the body show stated it would be returned by Kemper. Kemper stated that the check was in my daughters name and that it was her responsibility to collect the money from the shop. We were then told that the shop would refund the money to my daughter which would take 2-3 weeks. So ridiculous. 3 days later the shop said it can only be returned to the insurance company. Kemper stated it wasn't their fault but it is. Kemper stated that they could not send the settlement check until the shop refunds the money to Kemper. On the day the decision was made to not fix the car, this transaction should have been handled by the Insurance company to collect their money from the shop. My daughter can not buy a new car and receipt of the settlement check is TBD. This is a process breakdown/no process by Kemper and my daughter is suffering the consequences. What good is signing over power attorney to the Insurance company when everything they must do or fail to do is on the backs of the consumer. This is not right.

  

  Business Response

  Date: 03/05/2025

  Attached, please find the submitted response letter for this complaint.

  Customer Answer

  Date: 03/06/2025

   
  Complaint: 22961878
  
  I am rejecting this response because:

  This process breakdown caused hardships that could have been avoided.  I received the check today, but 30 days after the car was picked up from the shop and 27 days after Kemper picked the car as part of the settlement.  If this was the Kemper and shop process, customers should be informed of this during the claim process.  I understand now that one week is the targeted time for refunding a customers money should the ********************************************* totals the car and not approve the repairs.  Consumers should be informed of that during the claim process and Kemper should have made sure that was addressed (refund of the money)with the shop when they instructed me to pickup the car.  Because the shop had possession of the check, Kemper position was not my job, even though the settlement/claim was not closed.  Yes I received the check, 30 days later.  Receiving the check was not the issue, failure of Kemper to take charge and settle the claim in a timely manner was the issue.  Her again, "Not my job"

   

   

  
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 03/14/2025

  Attached, please find the submitted follow-up response letter for this complaint.

• Initial Complaint

  Date:02/05/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A client of Kemper Insurance(auto) hit my parked car in ******* parking lot. He refused my requests for copy of his insurance card and driver's license, and we could handle damages ourselves. I then called police. He left before police arrived. I have pictures of him, his truck, and tag. Police went to address listed for tag and was told client had moved several months earlier. It took police over a week to locate him in *************, **. He went to get information from him(provided Kemper Insurance information), and charged him with ********* and leaving the scene of an accident. We repaired our vehicle on our insurance(USAA) for over $2200 and had to pay a $500 deductable. **** tried to recover expenses from Kemper. I received a phone call from ****** at Kemper saying that they were investigating the claim. Shortly after, I received a call and a letter saying that they would not be responsible. I spoke with ****** several more times in the following days and even asked to have a manager contact me. Their explanation makes no sense as the person holding the policy is responsible for any vehicle that he drives. We are seeking Kemper to reimburse entire claim to **** which will then refund our $500. I have paperwork and letters and police report but not able to upload on this site for some reason.

  

  Business Response

  Date: 02/13/2025

  Attached, please find the submitted response letter for this complaint.

  Customer Answer

  Date: 02/18/2025

   
  Complaint: 22900567
  
  I am rejecting this response because: The vehicle is registered to the policy holder, and he was driving it at the time of the collision. He was charged by ****************************** with hit & run and leaving the scene of an accident. The policy was actively enforced at the time of his driving the vehicle. He obviously pays Kemper Insurance to cover him, regardless of the vehicle. Likewise, I pay **** to cover me, whatever I may drive. His decision to drop the vehicle listing on his insurance is likely another crime to pursue.
  
  Sincerely,
  
  ***** ******

  

  Business Response

  Date: 02/25/2025

  Hello,

  Please see our attached response.

  Please advise if further assistance is required.

  Thanks,

  Regulatory Administration
  ************************************************************************************
  ************
  ***************************************************************************************

  Customer Answer

  Date: 02/26/2025

   
  Complaint: 22900567
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:02/04/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Kemper is stating that I must pay for damages that were caused by another vehicle and is stating to pay for it myself or contact the persons car insurance only because the damages are lower than the deductible therefore no one is doing their job by proceeding with claim and farmers insurance does not answer therefore I am being held responsible for damages that another car caused and caught on camera and filed a police report the letter is stating $241.31 to fix the damages

  

  Business Response

  Date: 02/11/2025

  Attached, please find the submitted response letter for this complaint.

• Initial Complaint

  Date:01/31/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Nov 12th 2024, i was on the way home from work when ***** ******** ran a red light, my light was green, and it was a black truck next to me . We both went out and the black truck slammed on his break while i continued to proceed and ******** avoided the truck but ran into my vehicle. A witness came to the accident to see if we were ok, but she was a older lady and by the time the cops came hours later she had left her name and phone number. It was an appraiser that came out and looked at my vehicle. I contacted ******* ***** and she told me to rent a vehicle while mines get fixed. My car sat at ************ Auto collision for over 2 weeks with no response from her. I had to get my car back because it was no communication from her end. I finally talk to Campo weeks later to tell me about the police report even though the officer did a amended report. She told me that my case was denied. I reached out to her and got a later response telling me to send her a copy of my rental so i can get reimbursed. I sent it to her that day on Jan 10 2025. I didnt recieve nothing in the mail so i called last week monday and today i get a response telling me due to the time frame my case is closed.

  

  Business Response

  Date: 02/06/2025

  Attached, please find the submitted response letter for this complaint.