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 Life

  1738 Elton Rd Ste 315 Silver Spring, MD 20903

  
• 

  Kemper Life

  33 Rock Hill Rd Ste 130 Fl 1 Bala Cynwyd, PA 19004

  
• 

  Kemper Corporation

  104 N 7th St Lemoyne, PA 17043

  
• 

  Kemper Life

  135 Merchant St Ste 250 Cincinnati, OH 45246

  

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:05/05/2025

  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.

  My brother ***** has been with this life insurance company for over 14+ years and as of December/January the told me over the phone that they had cancel my brother insurance out due to nun payment, when I send in my payment OUR PAYMENT together. I dont understand how they could cancel his insurance and not mines when I send in money order for us both. If thats the case why then havent cancel mine yet. Also where is the money that Ive sent in for my bother and I if they cancel his policy out. I send in $176 each month for the both of us and they saying they havent received any for my brother. If thats the case they owe me. My brother needs his insurance, h*** be 75 this year and had prostate cancer, so he needs his insurance. This company has changed name 3 times and every year its a different agency coming to my house. So I decide to start mailing minds in because I could trust everyone. ****** ******* also add my daughter policy to minds and Ive told her plenty of times that she know longer lives in this household. I would like to have a understanding why they cancel my brothers and I still have mines. I want to know where is my money that I had left over since they cancel his policy. I have all my receipts, from written, and from the post office. I have been faithful to these companies and *** been let down and money took. ***** who was/is the manager said he was giving me credit, but every month I still have to send a payment. Ive been over 9000 for my brother and now they cancel him out. Please help because Im lost. I have all the money order from the post office that can be traced down. I really dont want a refund, I just want them to reinstate my brother policy. Hes was $75.05.

  

  Business Response

  Date: 05/16/2025

  Please see attached response to BBB case ******** the insured is ***** ********* complainant did not leave a name just email address.

• Initial Complaint

  Date:05/05/2025

  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.

  I am filing this complaint against Kemper Corporation for false verbal representation and deceptive pricing practices that led to a higher-than-agreed insurance premium.On April 18, 2024, I began a liability-only auto insurance policy with Kemper for approximately $57/month. A few days later, at the request of my auto dealer (for financing purposes), I temporarily added comprehensive and collision coverage.Before making this change, I asked the customer service representative three explicit questions:Would this be a new quote or policy? ? *** assured me it would not.Would this impact or increase my original liability-only rate later on? ? *** assured me I could return to the original $57/month liability rate with no changes.Would I only be charged a pro-rated amount for the time I had full coverage? ? *** confirmed yes.On May 5, after paying off my vehicle, I called Kemper to remove full coverage and return to liability-only as originally agreed. To my shock, the new liability rate jumped to $79/month, then later adjusted to approximately $65/monthboth significantly above the original $57.When I asked for clarification, I was told that my policy had changed and was re-rated, despite no mention of this during the call when I upgraded. I would have never agreed to a temporary coverage change if I knew it would permanently raise my monthly premium.This constitutes:False verbal assurances Bait-and-switch tactics Lack of transparency around underwriting changes Resolution Requested:I request that Kemper honor the originally agreed $57/month liability-only rate as stated by their representative.I also request a written explanation of why my policy was re-rated and the specific underwriting changes that occurred.I would appreciate a corrective action to ensure other customers are not misled in the same way.Thank you for reviewing this complaint.Sincerely,[******* ********][Policy ***********][*************][***************************]

  

  Business Response

  Date: 05/14/2025

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

  Customer Answer

  Date: 05/17/2025

   
  Complaint: 23290671
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:05/05/2025

  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.

  The catalytic converter was stolen off my ********** Outlander 2022 here in ***********. Kemper doesn't want to cover the cost of the part claiming it will increase the value of my vehicle. I tried to dispute this issue with them but have heard nothing back. I'm being forced to pay for something my insurance should cover. I pay full coverage for my vehicle.

  

  Business Response

  Date: 05/21/2025

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

  Customer Answer

  Date: 05/22/2025

   
  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:05/01/2025

  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.

  I filed a claim back in October for an accident that happened. I took my car to a body shop to have an estimate done and that was all they were supposed to do. They end having my car for over a month and totaling out my car. And the body shop got paid over ***** dollars for storage and I didnt get anything for my car that went straight to the body shop so now I am stuck paying on a car I no longer have and I did get the full value of what my car is worth all of that went to the body shop and now the insurance company is telling me to go through the body shop to get my money when they where the ones who gave him all that money when the law in ******** states you cant charge that much for storage.

  

  Business Response

  Date: 05/15/2025

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

• Initial Complaint

  Date:05/01/2025

  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 was involved in a not-at-fault car accident on March 21, 2025. The at-fault driver, insured by ***********, was confirmed 100% liable. The damages to my vehicle were assessed at $7,500 below their $10,000 policy limit.Despite this, Progressive declined to cover the repairs and advised me to go through my own insurer, Kemper (claim #***********). Kemper required me to pay a $1,000 deductible, and as of today, over a month later, they still have not issued the check to the repair shop. This delay made it impossible to begin repairs, leaving my car undriveable and causing unnecessary financial burden.Worse, Kemper explicitly refused to cover my loss of use or rental expenses even though the vehicle was not drivable and the delay was due to the insurers inaction. I was left with no choice but to pay for a rental car out-of-pocket, which is more than I can afford.This situation has caused extreme stress, especially for my wife who is dealing with medical conditions that were worsened by the lack of reliable transportation and our financial strain. The prolonged delay and lack of communication have not only harmed us financially, but emotionally as well.I am requesting full reimbursement for:- My rental vehicle expenses due to loss of use,- My $1,000 deductible,- And immediate payment to the repair shop so repairs can begin without further delay.

  

  Business Response

  Date: 05/15/2025

  Hello,

  Please see our attached response for 23273057.

  Please advise if further assistance is required.

  Thanks,

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

  Customer Answer

  Date: 05/27/2025

   
  Complaint: 23273057
  
  I am rejecting this response because: Dear BBB team,
  
  Thank you for reviewing my complaint. Unfortunately, I must reject this response as it fails to address the core issue.
  
  I was not at fault in this accident. *********** accepted 100% liability, yet I was forced to file under my own policy with Kemper and pay a $1,000 deductible. My vehicle remained undrivable for over 2 months. Although Kemper claims to have issued a check on April 8, I did not receive it until the end of May a delay which caused further financial burden.
  
  Kemper refused to cover any rental or transportation costs, citing lack of rental coverage. However, I was without a vehicle because of delays in their own claims process. I have spent over $1,500 out-of-pocket during this time, and Kemper has made no effort to acknowledge this harm or offer reimbursement for the loss of use.
  
  This is not just a policy issue it is about the mishandling of a claim where I was not at fault and where delays were entirely outside of my control. I respectfully ask BBB to keep this complaint open and documented as unresolved.
  

  
  

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

  

  Business Response

  Date: 06/02/2025

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

  Customer Answer

  Date: 06/02/2025

   
  Complaint: 23273057
  
  I am rejecting this response because:
  
  Thank you for following up. I must reject this response because it does not address my core concern: I am still without my vehicle as of June 2, 2025, and I have been forced to pay for rental and transportation costs out of pocket for over two months despite the fact that I was not at fault in this accident.
  
  My primary demand is for these expenses to be reimbursed. I do not care if the compensation comes from Kemper or Progressive but it must be covered. The accident was not my fault, and I should not have to pay for the consequences of someone elses actions.
  
  If Kemper is not responsible for reimbursing me directly, they should help me secure payment from Progressive immediately. I am requesting the BBB to keep this complaint open and ensure that this issue is fully addressed.
  
  Thank you.
  
  Sincerely,
  
  ******** *********

• Initial Complaint

  Date:04/24/2025

  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.

  They dont want to pay my husband total loss car only because there client said is not true insurance is not taking in consideration a video we sent them where there client offered fix the car outside insurance olso my husband car was driving on **********************. other baking up in a gas station damage is pasanger door other no damage olso asked my husband sorcial security and there client used description words like this car is not yours the other is insured underAlameda Auto Body and services we when two days ago they said they fixed out side insurance we dont trust them please help us

  

  Business Response

  Date: 05/09/2025

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

• Initial Complaint

  Date:04/21/2025

  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 am writing this letter with the expectation that the Department of Insurance will right the wrong that has been done to me. I am deeply disappointed regarding the deceptive and unethical practices of Kemper Insurance. As a paying customer, I feel I have been completely taken advantage of by a company that hides behind vague, undefined language in its policies to avoid fulfilling its obligations.The issue stems from a two-word exclusion in my policy: mechanical failure. This phrase is mentioned with absolutely no definition, explanation, or clarificationno examples, no conditions, and no fine print to indicate what does or does not qualify under this term. Because of this egregious lack of transparency, Kemper denied my claim outright for damage to my fuel systemeven though the cause of loss was purely ************* this case, I accidentally placed the DEF (diesel exhaust fluid) nozzle into the fuel tank. It was an honest mistake, one I immediately reported and took full responsibility for. I expected insurance to support me through itafter all, thats what insurance is for: unforeseen, accidental events. Instead, Kemper told me the damage was considered a mechanical failure, even though it was not due to a malfunction or lack of maintenance, but rather a clear accidentone that could happen to anyone.The result? I am now on the hook for a $17,000 repair billan enormous and unexpected financial burden that I believed I was covered for. I paid my premiums, followed all procedures, and submitted the required documentation, only to be told that a two-word phrase buried in the policy gave them the legal wiggle room to walk away. This is not insurance. This is a rigged system designed to benefit the company at the customers expense. This is not just bad customer serviceits systemic abuse. Its deceptive, predatory, and, in my opinion, should be illegal.

  

  Business Response

  Date: 05/06/2025

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

  Customer Answer

  Date: 05/07/2025

   
  Complaint: 23233935
  
  I am rejecting this response because:

  Once again, Kemper auto so vaguely wrote their policy to reject any and every claim made under comprehensive.  This policy having the exclusion as "mechanical or electrical breakdown" literally gives them the liberty to deny any claim to the vehicle that is not collision.  Their policy has no explanation or description of what is mechanical breakdown is.  One simple ****** search and you will very quickly find that "accidents" are not considered mechanical  breakdown.  Again, this is an absolute injustice and abuse of power.  Rather than cover their customers, they do everything in their power to deny claims.  This is not fair, and completely unethical in my book. Please see the list of what is actually considered mechanical failure.  Why is it that my insurance company has a completely different understanding than what the internet, a completely unbiased source, on what mechanical breakdown is.

  From Google:

  A mechanical breakdown on a vehicle refers to a failure of a mechanical component or system that prevents the vehicle from operating properly. This usually involves parts that are essential to the function of the vehicle and typically occurs due to wear and tear, defects, or lack of maintenancenot due to accidents or external damage.
  Common Examples of Mechanical Breakdown:
  -Engine failure (e.g. broken timing chain, oil pump failure)
  -Transmission problems (e.g. slipping gears, complete failure)
  -Drivetrain issues (e.g. axle or differential failure)
  -Brake system failure (e.g. master cylinder failure, ABS system malfunction)
  -Cooling system failure (e.g. broken water pump, failed radiator)
  -Steering system failure (e.g. rack and pinion malfunction)
  -Suspension component failure (e.g. broken control arms or struts)
  Typically NOT Considered Mechanical Breakdown:
  -Cosmetic damage (dents, paint issues)
  -Routine maintenance items (oil, filters, spark plugs)
  -Wear-and-tear parts (brake pads, tires, belts unless they break prematurely)
  -Electrical failures (unless the policy specifically includes them)
  -Damage due to accidents or weather (those are usually covered under auto insurance, not mechanical breakdown insurance)
  
  Sincerely,
  
  ***** ********

  

  Business Response

  Date: 05/14/2025

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

  Customer Answer

  Date: 05/15/2025

   
  Complaint: 23233935
  
  I am rejecting this response because: This insurance company is completely useless and I will never recommend them to anyone.  I will be contacting my agent to get rid of them as fast as I can since their main goal is to deny claims rather than cover ACCIDENTS as they should. 
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:04/18/2025

  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 insurance/infinity insurance has been denying my insurance claim with only sending 2 sentence letters back saying they wont be paying me after I was hit at a red light by one of they drivers and couldnt walk for a while still recovering injuries til this day they have no police report no witness and never did pay me also didnt acknowledge my offer I sent for ******************************************************* ******* its illegal for an insurance company to not acknowledge my offer after 30 days they been treating me horrible and lying with no evidence and think they can keep denying me when even my police report saying their driver is at fault. 

  

  Business Response

  Date: 05/02/2025

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

  Customer Answer

  Date: 05/13/2025

  Complaint: 23220872
  
  I am rejecting this response because: I sent all my info, and this is my police report. Their driver did a hit and run and didn't even stay at the scene for 2 minutes, and they dont have a police report at all. You can request theirs, and they wont have it. They are a bad faith company, and they have been saying the same 3 sentences, saying Im at fault, but Im not. I never did make an improper lane change. Their driver hit me at a red light and left the scene ASAP. He and his friend were drunk driving and ran into me and didn't even check on my well-being. He hit me so hard I was stopped at a red light. They never decided to stop; they just ran into me and pushed me into another car, backed up out of me, and hurried and left the scene without even waiting for the police. He was a Mexican driver. It was rainy, and he had his hand out the window, and they are refusing to pay me. They review Ok ******, and they refuse to pay everyone, and they never send any proof.
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 05/20/2025

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

  Customer Answer

  Date: 05/21/2025

   
  Complaint: 23220872
  
  I am rejecting this response because:
  You dont have a police report and proof of anything I have pictures and I was on the phone with police the entire time updating them on what the driver did and the driver didnt even stay 2 minutes at the scene so when when you have a police report form your driver please let me know until then you can say what you want all the inaccurate information while I have all my proof on my end of course it dont say driver was intoxicated he did a hit and run he left the scene its on a recorded line and not in police report I did have to rush to hospital as soon as everybody left and I was the only person still at the scene the police told me to drive somewhere safe 
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/17/2025

  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.

  Um segurado da Kemper bateu em meu carro estacionado h mais de um ms. *** a reclamao, passei todas as informaes solicitaras, enviei para oficina mecnica indicada pela Kemper, mas at o momento meu carro no foi reparado porque a oficina mecnica est aguardando a Kemper liberar os reparos. Se recusaram a pagar o guincho, no me disponibilizam outro carro para trabalhar. Em resumo, estou sem meu carro para trabalhar a mais um *** a Kemper no autoriza o conserto do carro e nem me d nenhum suporte.

  

  Business Response

  Date: 05/07/2025

  Hello,

  Please see our attached response for file 23220591.

  Please advise if further assistance is needed.

  Thanks,

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

  Customer Answer

  Date: 05/09/2025

   
  Better Business Bureau:
  
  I have reviewed the response provided by the company in reference to claim ID ******** and I would like to point out that it was only resolved two months after the incident, which is far too long to be without my car for work and I was not satisfied with the insurance company only paying for the repairs, not to mention that my car will be significantly devalued if I decide to sell it. However, I am happy to finally be able to get my car back this week. 
  
  Sincerely,
  
  Rosenilda *******

• Initial Complaint

  Date:04/17/2025

  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.

  On January 31st of 2025 I was involved on a car accident. The other driver was at fault and filed a claim with their insurance company Kemper Auto.I had to rent a rental car while my car was getting fixed. Kemper said they covered $26.99 of the rental charges. After I returned my rental, I submitted my invoice to the adjuster *****. She told me she would over night my payment. Weeks went by no check was sent out. They reimbursed me for my babys Carseat but not for my rental. I spoke to ***** again and she said my reimbursement check was on her supervisors hands and she approved it, and it will be sent out again over night. That was a month ago. I keep trying to get ahold of my adjuster and she will not get back to me. I've sent over 6 text messages and called numerous times. All I want is to get reimbursed for my money. My invoice was for the rental was $1900.00 I don't understand why they won't give me money. And the lack of communication makes my situation so hard.

  

  Business Response

  Date: 05/01/2025

  Hello,

  Please see our attached response for file 23218028.

  Please advise if further assistance is required.

  Thanks,

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

  Customer Answer

  Date: 05/05/2025

   
  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. However,  they said I didn't send the invoice that was not true. I attached the screenshot of the invoice I sent to the adjuster. Thank you!

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