GET MORE MONEY: 3 Things You Need to Know about the Kemper Insurance Claim Process
And One Surefire Way to Get the Most Out of Your Personal Injury Claim
A Guide to Getting a Higher Settlement from Your Insurance Company
Based in Chicago, the Kemper Corporation sells home, auto, life and health insurance in 50 states and the District of Columbia. With annual net income over $16 million and $11 billion in assets, Kemper is one of the largest insurance companies in America.
Like all insurance companies, Kemper says they stand by their policyholders and says their Claims service is rated among the best in the industry. While they have many satisfied customers, there are also many who have had bad experiences. You never really know how good or bad your insurance is until you have a claim.
Buffy of Kent found out that Kemper doesn't think of the victims first when money's on the line.
If you were injured in an auto accident caused by another driver, you have a right to be compensated for the cost of your injury. Although insurance companies have a legal and ethical obligation to pay out on claims, they’re notorious for delaying and denying payment. Like any business, it’s all about maximizing profits and minimizing losses.
Your best chance at getting the settlement you deserve is to have an experienced personal injury attorney represent you. Warshafsky Law has been dealing with insurance companies for decades, and we have attorneys who used to work for insurance companies, so we know all the tricks they use to shortchange their policyholders. With Warshafsky Law, you will get the settlement you’re owed.
INJURED? It IS About The Money.®
The Insurance Claim Process: Dealing with the Kemper Insurance Claims Adjuster
Jump to: Don’t Admit Fault or Volunteer Information, Don’t Sign Any Medical Records Release Forms Without Consulting an Attorney.
As soon as possible after an accident, you need to initiate a claim with Kemper. You can file your claim online via their website, or by phone (24/7 availability). Even if you opt for filing your claim online, you will be contacted by phone by a claim services representative.
This phone conversation you have with their claim services rep will probably be recorded, so it’s important to be careful what you say. If you make any statements that could implicate you for being partly responsible for the accident, they’ll use this as justification for minimizing their settlement offer—or even denying it completely.
Key points to keep in mind to protect your rights during the claim process:
Speak with our experienced personal injury attorneys before speaking with the insurance adjuster.
Don't admit fault or volunteer information.
Whatever you do, avoid saying anything that could be used against you. Statements like “I probably should have been going a little slower” are a red flag to a claim adjuster. If you’re asked to estimate the distance between you and the other car involved in the accident, it’s better to say you can’t recall or can’t give an accurate figure than to say something that could implicate you for being at fault, too.
In addition to the conversation you have with the Kemper claim rep, Kemper will review the police report, witness statements, video footage from nearby cameras (if available), and any other sources they might find. If you don’t have a copy of the police report, make sure to get one before you talk with anyone at Kemper. If there’s a mistake in the report, you need to get it corrected and have the revised report in front of you for the phone call with Kemper.
Don’t sign a medical records release forms without consulting an attorney.
With claims involving injuries, insurance companies always ask for a signed medical records release form. Understandably, they need to verify the extent of your injuries. Unfortunately, a release form allows them to snoop around in your entire medical history. A completely unrelated medical issue, or one that occurred years ago can be twisted into a contributing factor in your accident.
Don’t agree to signing any release form until you’ve talked to a lawyer. A good attorney will be able to arrange the turnover of any medical records relevant to your accident injuries—nothing more.
hen people choose their personal injury lawyer based on the endorsement of a football player or actor, they risk choosing an attorney who has never won a case in a courtroom. Settlement mills forward your paperwork and take a cut of your damages.
Hundreds of times we have prepared cases like yours beyond the brink of trial. Facing unlimited liability AND an expensive jury trial, insurance companies fess up what your case is worth. They HATE when you choose Warshafsky. Insurance companies know: it IS about the money.
Handling a Kemper Insurance Claim On Your Own
Jump to: The Settlement Check is Nothing More Than an Offer to Settle, Wisconsin has a 3-year Statute of Limitations on Personal Injury Claims, If Your Insurance Company Says you Don't Need a Lawyer, Start Looking for One
America's toughest personal injury attorneys protect victims' rights.
When you speak with anyone at Kemper about your claim, you’ll get the usual assurances they’re working hard to get your claim settled as quickly as possible so you can get on with your life. Sounds great, but not after you’ve heard it 20 times.
Unfortunately, insurance companies are rarely in any hurry to get your claim settled quickly. Or fairly. Their primary objective: maximize profitability by minimizing payouts. All too often, policyholders face endless delays and runarounds.
The only way to ensure you get a fair settlement in a timely manner is to hire a personal injury attorney, preferably one with plenty of experience dealing with insurance companies. If you’re contemplating handling your claim on your own, here are a few pointers that may help:
The settlement check is nothing more than an offer to settle.
After Kemper’s claim adjuster reviews your claim, they’ll make a decision on how much to pay on it and send you a check. Don’t be surprised if it’s less than you expected. Although you probably have bills piling up from your accident, resist the temptation to deposit the check. Once you do, you’ll be barred from negotiating a higher settlement. Their check is nothing more than offer to settle. It can be negotiated, but if you deposit the check you’ve implicitly agreed to their settlement offer.
Wisconsin has a 3-year statute of limitations on personal injury claim lawsuits.
When you’ve had it with your insurance company’s shenanigans, your one recourse is to sue. You only have this option in the first three years after your accident, though. If you’re still getting the runaround after three years from the date of your accident and haven’t filed suit, you lose the right to file a suit against them.
If your insurance company says you don’t need a lawyer, start looking for one.
Unfortunately, at some point in your quest to get your settlement check you’ll find yourself asking the insurance company rep: “Do I have to get an attorney to get this resolved?” They’ll assure you there’s no need to get lawyers involved because they’re “working hard to get this resolved.” Pfffft. They have armies of attorneys, why shouldn’t you have one looking out for you?
5 Do’s and Don’ts to Increase Your Kemper Insurance Personal Injury Settlement
Warshafsky Law personal injury firm makes sure you get the most for your personal injury claim.
DO your homework.
The more you know about the claims process, the better you’ll fare. At the very least, familiarize yourself with the most common insurance company tactics used to minimize your settlement. You’ll be less likely to be taken advantage of if your insurance company sees you know what’s going on.
DO the math.
You need to be able to document all the expenses related to your accident, including hospital bills, doctor appointments, bandages, crutches, pain medications, etc. You’ll also need a record of the days you were unable to work because of your injury. Keep track of your mileage/transportation costs for getting to and from doctor appointments, too.
Costs to consider when calculating the value of your claim:
• Property damage
• Car rental
• Hospital deductible
• Prescription drugs
• Chiropractic care
• Pain and suffering
• Lost wages
• Future medical expenses
INJURED? It IS About The Money.®
DON’T be pressured into anything.
When the bills are piling up and creditors start calling, it can be tempting to deposit the settlement check your insurance company sent. Don’t do it. If you have a legitimate claim, you have every right to be fully compensated. The best way to shorten the process is to have an experienced personal injury attorney represent you.
DON’T trust “sign and settle” lawyers.
You’ll see and hear a lot of ads from law firms boasting about the thousands of personal injury cases they’ve settled. Sounds impressive, but these are what’s known in the industry as “settlement mills.” They’re only interested in cutting a deal with the insurance company as quickly as possible so they can get their cut of the payout and move on to the next case.
Insurance companies know these firms never take cases to trial, so they get away with lowball settlement offers. You only have one shot at getting this right. Don’t blow it by hiring a “sign and settle” lawyer who’s unwilling and unable to go to bat for you.
DO get the opinion of a personal injury attorney experienced in dealing with insurance companies.
Even if you’re inclined to handle your claim by yourself, it’s a good idea to take advantage of the free initial consultation most reputable personal law firms offer, Warshafsky Law included. You’ll meet with an experienced personal injury attorney who will give you a straightforward assessment of your case and how much your claim is worth.
Get Fair Compensation for Your Kemper Auto Insurance Claim
Get Fair Compensation for Your Kemper Auto Insurance Claim.
The best way to get everything you’re owed on your claim is to have an experienced personal injury lawyer represent you. When you retain Warshafsky Law, one of two things happens: 1) the insurance company, fearing a huge loss at trial, fesses up to what your claim is really worth and pays out, or 2) Warshafsky Law takes them to court to get what you’re owed.
Warshafsky Law represents Kemper Auto Insurance policyholders nationwide
Warshafsky Law is based in Milwaukee, but we represent clients throughout the US. If you’re not in the Milwaukee area, you can schedule a free initial consultation by phone. At the very least, take advantage of our free consultation offer.
INJURED? It IS About The Money.®