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Kemper Corporation is an insurance company which provides automotive and other insurance coverage to individuals. Located in Chicago, IL, this company serves Chicago and the surrounding areas. Kemper Corporation businesses sell insurance in 47 states and are represented by over 20,000 independent agencies; the company services over six million separate policies.
Combined, Kemper Corporation businesses provide the following insurance: automotive, commercial automotive, boat, home, renters, condominium, personal valuables, collectibles, personal catastrophe, identity fraud, and life and health insurance. Auto and Homeowners insurance can be bundled together into a package, which allows the customer to pay the combined bill at once and receive additional coverage, such as replacement costs for the loss of valuables and collectibles. This allows a 'blanket limit' to go into effect, which combines the coverage limits of all covered property, which can then be used to cover the costs of damage that exceeds the coverage limit of a specific part of the property.
For example, if a garage is covered by part of the property, and damage to the garage exceeds the coverage limit for that specific component of the property, the 'blanket limit' coverage would allow coverage to extend to the full covered limit, which includes the coverage limits for the house and other portions of the covered property. Customers can submit claims online 24 hours a day, seven days a week, and claim information will appear online by the next business day and are updated each business day.
Visit the website for Kemper Corporation to review the specifics of each form of insurance, read articles about how to choose and maintain insurance, and request a quote on auto, life, health, renters, homeowners, or other insurance plans.
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Reason for Rating
BBB rating is based on 13 factors. Get the details about the factors considered.
Factors that raised the rating for Kemper Corporation include:
- Length of time business has been operating
- Complaint volume filed with BBB for business of this size
- Response to 16 complaint(s) filed against business
- Resolution of complaint(s) filed against business
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||6|
|Total Closed Complaints||16|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||2|
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Illinois Department of Insurance
100 W. Randolph St. Suite 9-301, Chicago IL 60601
Phone Number: (312) 814-2420
Type of Entity
Business ManagementMs. Adrienne H. Bennett, Vice President, Assistant Group Counsel Mr. Brian Delfino, VP - Property Damage Tom Myers, President Scott Snicler, Senior Vice President Group Counsel
Insurance Companies Insurance - Accident & Health Insurance - Auto Insurance - Health Insurance - Homeowners Insurance - Life Insurance - Marine Insurance - Dental Insurance - Rental Insurance - Liability Insurance - Medical Liability Insurance - Property Insurance Consultants Insurance Services Insurance Agencies and Brokerages (NAICS: 524210)
Alternate Business NamesUnited Casualty Insurance Company United Insurance Company of America Unitrin Direct
Customer Review Rating plus BBB Rating Summary
BBB Customer Review Rating plus BBB Rating Overview
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Additional Phone Numbers
- (312) 661-4600(Phone)
- (312) 661-4704(Phone)
- (312) 661-4740(Phone)
Additional Email Addresses
- - eQuote
- - Communication/Mass Email
- - Communication/Mass Email
- - eQuote
Complaint Trends - Last 3 Years
Customer Review Trends
BBB Customer Review Rating plus BBB Rating Overview
BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.
|Customer Review Experience||Value|
|Positive Review||5 points per review|
|Neutral Review||3 points per review|
|Negative Review||1 point per review|
BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
BBB Letter Grade Scale
Star Rating scale
BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.
|3/18/2016||Problems with Product/Service | Complaint Details Unavailable|
|2/3/2016||Billing/Collection Issues | Complaint Details Unavailable|
|1/24/2016||Problems with Product/Service|
|12/8/2015||Problems with Product/Service|
|11/25/2015||Problems with Product/Service | Complaint Details Unavailable|
|11/19/2015||Problems with Product/Service | Complaint Details Unavailable|
|11/15/2015||Problems with Product/Service | Complaint Details Unavailable|
Read Complaint Details
Complaint: Kemper Claim ***********: On 08/14 I had an accident through a no fault of my own. I contacted Kemper and setup a claim the same day. I have not heard from them untill 08/18 when I called myself. I was told that my case was handled by Ms. ******* ********. When talked, I was talked down on, no options were discussed and explained to me. I requested to talk to her supervisor. Her supervisor Hank also talked to me and over me in the same fashion. He also told me without any estimate or vehicle inspection that my car was going to be totaled and needed to be towed to junk yard. I requested estimate first. I was told that if I was going to weight for an estimate, I would be responsible for the storage fees at the impound. Two days after I was contacted by appraiser and told that my vehicle will be totaled and I will be contacted by Ms. LaShawn ****** from Kemper regarding the value. I was given a value of $2002.26 that I rejected since it does not conform to any fair market value for the car. Since 08/18 I have not been contacted by any Kemper representatives willing to discuss my case. On multiple occasions (phone or emails) I tried to contact Kemper Auto Ins, specifically asigned case adjuster Ms. ******** and Ms.******, but no reponses were provided. I have promptly and accurately paid for my insurance and believe that as a customer I have done nothing to be treated this way by Kemper.
Desired Settlement: I am not asking for a refund of my monthly payments for the services that were not delivered when the opportunity presented itself. I however, would like to be fairely compensated for the loss (replacement) of property (car) in accordance with current market values and Kemper Auto Insurance contractual obligations. The following are the reasons that were provided to Kemper for rejection of $2021.00 car total value offer: 1) Per Vehicle Valuation Report provided: - "20 comparable vehicle(s) were utilized in this report." - "The Base Vehicle Value is calculated from the comparable vehicles with adjustments to reflect the loss vehicle configuration." - The adjusted value is calculated using the following factors: Model/Trim/Year, Options, Mileage, Comparable Vehicle condition adjustment. - "Using the adjusted values of the comparable vehicles, CCC calculates the Base Vehicle Value." - "The Base Vehicle Value is the weighted average of the adjusted values of the comparable vehicles." 2) In accordance with industry and nationally recognized Kelley Blue Book database, the following are the my vehicle values adjusted for Model/Trim/Year, Options, Mileage, Comparable Vehicle condition (see reports attached): - Private Party Resale Value: $2284.00 - Dealer Buy Value: $3843.00 Therefore, I will not be accepting any value less than $3000.00
Better Business Bureau
PO BOX 1000
DuPont, WA 98327
Your File #: ********
Our Claim #: ***********
Policy #: RC ******
Insurance Co: Unitrin Auto and Home Insurance Company
Date of Loss: August 14, 2015
Our Insured: **** ******
This letter will serve as response to the above referenced complaint on behalf of Unitrin Auto and Home Insurance Company.
We do apologize for any miscommunication Mr. ****** had from the initial handlers of his claim.
Please be advised that we have resolved this matter to the consumer’s satisfaction. We have agreed to settle the total loss in the amount of $3,344.98 as of October 14, 2015.
If you have any additional questions or concerns, please feel free to contact me at 1-************ ext. ****.
National Total Loss Manager
Kemper Services Group for
1************ ext ****
Read Complaint Details
Complaint: My brother died in December 2005. I was notified several months ago that we were entitled to a claim almost ten years later. The forms were mailed in from two of the three siblings. I was notified that we would receive our settlement. This was two months ago and the company has failed to mail our claim. I have talked with several claim adjusters and all of them continue to lie. My mother died in December 2005 and four days later my oldest brother died of a massive heart attack. We buried my mother on Christmas Eve and my brother on New Years Eve. No one should have to relive the pain of loss all over again. This company notified my family. Why would they inform us of this claim if they had no intentions of paying the claim? The claim adjuster informed me that two of us would be mailed our claim after thirty days and my other brother would be held in an account for three to five years. Again this was sixty days ago and no refund has been issued. This company is very unprofessional and I am so glad that I do not have a policy with them. It has been very hard to deal with the emotional stress concerning this matter. Product_Or_Service: Claim Benefit Account_Number: XXXXXXXXXX
Desired Settlement: DesiredSettlementID: Other (requires explanation) The claim from ****** Insurance Company of America.
Business Response: Initial Business Response /* (1000, 5, 2014/08/21) */ see attached
Customer Reviews Summary