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Business Profile

Insurance Companies

Kemper Corporation

Complaints

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

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Kemper Corporation has 97 locations, listed below.

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    Customer Complaints Summary

    • 648 total complaints in the last 3 years.
    • 150 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/08/2022

      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.
      On July Fourth I was involved in a Car accident; I was not found at fall the party who hit my vehicle were. They did not contact their insurance which is Kemper; my mother and I did. Being that the vehicle was registered in her name we jointly filed the claim. It took us a week to initially hear back from the insurance adjuster ***************************. When we did occasionally hear from her after calling her for weeks on end she was nasty and unprofessional. We tried numerous times to get in contact with higher *** with no success. I was injured in the car accident which caused a hospital visit and missed time from work. We still have yet to have them handle my Bodily Injury claim.

      Business Response

      Date: 09/23/2022

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

      Date:09/08/2022

      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.
      03302022Policy/binder # ******* ins svcs of ************************************************************** 541 476 **** code ******* ******************* 07 06 **** driver's license #*************************************** paid for ***************************** to get my car out of impound as I told the company that I need to do I call and cancel the policy as I was told to do before the month was up so I wouldn't be billed for any forther months the insurance company billed me anyway for further months and the policy was cancelled so not only they wanted to pay for months in the future also not covered and still pay now I'm having trouble finding a insurance that will except mee cause this issue what can be done about this for I payed for what I needed this wasn't the choice of insurance it was what was available at the time shopping around for a affordable insurance but can't get anywhere do to this issue please advise me the way to avoid this misunderstanding for I can go on with my services

      Business Response

      Date: 09/23/2022

      Good afternoon, 

      Please see our attached response and supporting documents.

      Let us know if further assistance is needed.

      Thanks,

      Regulatory Administration
      2201 ********************************************************************
      ************
      ***************************************************************

    • Initial Complaint

      Date:09/08/2022

      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 car accident on 6/28. It is now 9/7. One of their driver's rammed my vehicle from behind. Police report confirms this statement. Their driver admitted fault in many different ways. I have proof.Receipts for rental fees where submitted over 1 month ago. Kemper has not reached out, not via email not by phone. They have my information since I have emailed Laur** Blak* over 5 times with no response. Kemper you owe me over $2,500. You're not resolving this in a reasonable amount of time.

      Business Response

      Date: 09/14/2022

      Attached, please find the submitted response letter and supporting documents for this complaint.
    • Initial Complaint

      Date:09/07/2022

      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 August 20, 2022 I was involved in an auto accident that was not my fault. I have not heard from my adjuster at all. I have called him numerous time starting August 21, August 23rd and finally I took the number to his supervisor ******************************* and called August 25, 26. THen I picked up calling August 29th and Finally Sept 5th and Sept 7. This is unacceptable and not the way to do business. I need for a manager to take over and insure that the adjuster is doing their job. Awful how you all want to the premiums on time but cant promise what your service to your clients.

      Business Response

      Date: 09/13/2022

      Good afternoon,

      Please see our attached response for file 17928042.

      Let us know if further assistance is required.

      Thanks,

      Regulatory ************************************************************************************ 35203
      ************
      **************************************

      Customer Answer

      Date: 09/19/2022

       
      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:09/07/2022

      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.
      On 08/20/22 I was involved in a motor vehicle accident. I heard from one person from Kemper one time since my accident. I have called numerous times and left messages and have not received a call back. I even stated it was okay to leave a message cause I work. I was told to speak with a supervisor and I continue to get a voicemail as well. I left messages for the supervisor as well. I am getting frustrated cause my car is not drivable and just sitting in my parking stall.

      Business Response

      Date: 09/21/2022

      Good afternoon,

      Please see our attached response for 17927708.

      Let us know if further assistance is required. 

      Thanks,

      Regulatory Administration
      2201 ****************
      **********, ** 35203
      ************
      **************************************

    • Initial Complaint

      Date:09/06/2022

      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 car was rear-ended by a driver that was insured by Kemper. The other driver was at fault and Kemper said my car was a total loss. Kemper is offering me a settlement that is lower than the value of my car. They use a third party (CCC One) to find the Market Valuation Report (a car's value). I found several mistakes on the report. My car was in excellent condition, low mileage, and had never been in an accident. To calculate the value of my car, they used a car with a Branded Title, one that was auctioned off, and a car that had been in an accident. I looked up the cars that they were comparing my car to. Most of the cars were for sale at used car lots and were in fair or poor condition. They also added $816 to each comp car for their condition but they wouldn't add it to my car. My car was in much better shape than the others compared to the pictures, records, and VIN numbers. I received an email from one of the dealerships about a car that was compared to mine. The dealership said this comp car was in fair condition. All of these factors made the offer that they came up with unfair. I contacted the appraiser that was assigned to me and let him know my concerns. I was told that the offer was not up for negotiation. Even with documentation and pictures, the appraiser wouldn't adjust anything. I asked for an updated CCC report and he refused. I asked several times that the $816 credit added to each comp car for their condition be removed because it was incorrect. He refused again. I told Kemper that I didn't accept their first offer but was told their first offer is the final offer. They are now taking back their rental car because I didn't agree to their first offer. In summary, Kemper's driver totaled my car. Kemper offers me a very unfair amount for my car. I have proof that most of the cars they used to calculate the value of my car were not at all comparable. Kemper refuses to make adjustments even with documentation. Now, I have no car.

      Business Response

      Date: 09/07/2022

      Good afternoon,

      We are in receipt of this BBB complaint. At this time, we are unable to locate the claim with the information provided to us.  


      If you would kindly provide us with the complete claim, we would be more than happy to have the complaint reviewed by management.

       

      Sincerely,
      Regulatory ************************************************************************************* 35203

      Customer Answer

      Date: 09/09/2022

       
      Complaint: 17926691

      I am rejecting this response because: the issue has not been resolved. My claim #  is **********. 

      Sincerely,

      ***********************

      Business Response

      Date: 09/20/2022

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

      Customer Answer

      Date: 09/22/2022

       
      Complaint: 17926691

      I am rejecting this response because:  
      The only offer that I have received is lower than my car's value. Please find in the attachments below five other cars comparable to mine that are for sale.

       

      The $816 what subtracted off the list price. The adjusted comparable value is $816 lower for each comp car. The lower adjusted comparable value was used to find a value of my car which is in very good shape. I am requesting that the $816 be added onto the adjusted comparable value instead of subtracted to make the adjusted comparable value more in line with the value of my car.

       

      I have pictures in the attachments to prove that the comp cars are not comparable to my car nor should they have $816 taken off the Adjusted Comparable Value before my car value is figured. The adjusted comparable value should be higher to in order to be more in line with my car. Comp #2 car is a branded title. Please see attachment. Com #3 had body damage. Comp #4 is listed at the dealership for $5,995 ( not $4,995). Comp #5 is listed in fair condition with damaged paint and interior. My car had no paint problems, no accidents, no tears or stains on the seats or carpets, and low mileage.
      Sincerely,

      ***********************

      Business Response

      Date: 10/03/2022

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

      Customer Answer

      Date: 10/04/2022

       
      Complaint: 17926691

      I am rejecting this response because:
      This is not a Fair Market Price. I want a Fair Market Price for my car. Attached are ************************************* my area. Your company is not offering a fair amount for my car. The ***** Department of Insurance suggested that I send ******** available in my area to prove the Fair Market Value.
      I would like for your company to re-inspect my car in person. The first inspection was done only by viewing pictures. Please consider that my car has sat outside at the repair shop since August and it is in pieces.
      Sincerely,

      ***********************
    • Initial Complaint

      Date:09/06/2022

      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 08/08/2022 one of their clients hit my car. While I have been trying to get something resolved they keep on giving me the run around about getting ahold of me within 24/48 hours and never EVERY CALL ME BACK AT ALL. and then have the nerve to tell me that if I want a rental car I have to pay for it like it was my fault their client hit my car. My so-called claim adjuster gave me their Sup name and wouldn't transfer to me anyone above them since Sup was on vacation which is fine. Then when I called back my adjuster just hung up on me. I have been without a car for a month, A MONTH and they ask me to pay for something that shouldn't even be paid by me. Why are they blaming the victim and why are they telling the victim to pay for it?

      Business Response

      Date: 09/13/2022

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

      Date:09/02/2022

      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 08/29/2022, i reported my ******************** I received an adjuster by the name of ****************, they did not get my car from the tow yard once the police had recovered my call and my adjuster supervisor informed me that I had until Tuesday of 09/06/2022 to get it out and send the invoice to reimburse me I informed them that no they are supposed to look at my car and get it out to send to a body shop not ask me how it looks. They as me how I thought it looked, and if I didn't get it out, I would have to pay for everything. Once I requested to speak to the manager over my claim, the Adjuster supervisor, her supervisor, hung up in my face after saying well, I told you what I was going to do and not do.

      Business Response

      Date: 09/12/2022

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

      Date:09/01/2022

      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 car was stolen on July 28th from my workplace, it is now September the 1st and little to nothing has been done through my insurance company to help get me back on the road. My car was left at the tow yard by the insurance company for over two weeks after my car was found on the 2nd. My car was just moved on August the 12th and thats only because I had to file a complaint to the insurance commissioner. My insurance company has done nothing but tell me false stories and have had me do all the work that they are supposed to be handling. Ive talked to everyone I could possibly talk to at my insurance company. The adjuster assigned to my case doesnt update me or make it a priority to get back with me in a timely manner. Talked to her supervisor and that didnt help either. I called the supervisor in the beginning of August around the 2nd or 3rd and he didnt contact me back until the 23rd of August. Letting us know that he did receive our calls and messages that were left and he wanted to give the adjuster time to handle what she failed to. When I was asking him questions about the whereabouts of my vehicle and false info about my policy and when asked to speak to his Supervisor he refused and still ongoing refuses me or my mother whose policy I am under to speak to anyone but him. We had to request the information on where my car was being stored and all from what they know is wrong with my vehicle. I am just now receiving the information about where mycar is being stored and the alleged information in what is damaged on my car. The adjuster gave me a estimate but then her supervisor told me that they dont know what all is wrong with my vehicle because they havent put it on some machine to find out the true damages under my hood in general. The insurance company isnt informative at all about the alleged responsibilities Im so called supposed to be responsible for as the customer. I have full coverage I should only be responsible for my deductible.

      Business Response

      Date: 09/12/2022

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

      Customer Answer

      Date: 09/15/2022

       
      Complaint: 17896854

      I am rejecting this response because:


      September 15, 2022

      Dear Reader,  

      Im writing this letter in response to the Infinity Insurance Companys claim in regards to my complaint filed against them with the Better Business Bureau. 

      As stated, on July 28th 2022 I made a claim with Infinity insurance for my stolen vehicle. August 1, *************************************** On August 2nd the adjuster took my recorded statement. That same day my car was found a few hours later. I called her back and left a message, I didnt get a response until August 4th 2022 via email. Attachments will be linked.

      August 5th 2022,  I emailed the adjuster to let her know that everything needed for my car to be released to Infinity insurance from the tow yard was ready. I never got a response. 

      August 5th- 10th 2022, I called my adjuster multiple times and left several messages with no response. After no response from the adjuster I requested to speak with her supervisor. I left the supervisor a message with no response. My broker as well attempted to get in touch with both my adjuster and her supervisor with no response. 

      August 11th 2022, the adjuster spoke to my mother ****************** over the phone and sent me, Summer ********** an email. My car didnt move from the tow yard until August 12th 2022. Attachments will be linked. August 11th 2022, my broker sent in my notarized affidavit of theft via email. August 13th 2022, I also mailed in the notarized affidavit of theft by priority mail to ensure everything was received. 

      August 18th 2022, the adjuster contacted me in regards to what repair shop I wanted. I believe I called her back the same day and let her know that I was going to go with Crash Champions in the **************, **. via voicemail. 

      August 19th 2022, the adjuster emailed me to let me know she received my voicemail  regarding Crash Champions in ****** **. and how she could assist with delivery to the location. According to the response given from Infinity Insurance to the Better Business Bureau my vehicle was transferred to Crash Champions in ****** **. For repairs, but why would my vehicle be moved for repairs when you dont know if they have availability? also they alleged the repair shop informed me that there was no capacity to take my vehicle in for repairs. This is false information. 

      August 23rd 2022, my adjusters supervisor finally contacted myself and ****************** via telephone after not responding since a call and message was left August 3rd 2022. After explaining to the supervisor my issues I was having with my adjuster, he wasnt helpful at all, was quite rude and sarcastic when I was asking him questions about my claim and policy. I asked about getting a car to rent and he told me that wasnt part of my policy. I let him know the adjuster said otherwise via email that was sent to me and he said she was wrong. After no compromise or resolution I asked to speak to his supervisor. He refused to transfer me or let me speak to anyone else but him.  Attachments will be linked. 

      August 25th 2022, my adjuster emailed me that Crash Champions in ****** **. did not have availability for repairs until September 12th 2022. Contradicting the insurance companies previous claims that the car was moved on August 19th 2022 to be repaired. I then gave my adjuster another repair shop, asked her to give me a call, and I also inquired why it took her a week to give me this information all via email. Attachments will be linked 

      August 26th 2022, my adjuster emailed me and said that my vehicle was moved out of courtesy so that I would avoid excessive storage fees, she also stated that its my responsibility to contact the repair shops and confirm availability, that she was only doing it as a courtesy. After calling around to multiple repair shops Im not allowed as the insured to call repair shops and confirm dates for scheduling with them until they have talked to the adjuster first to get needed information. My adjuster also stated that due to alleged verbally abusive nature over the phone she wasnt comfortable contacting me via telephone. I let the adjuster know that I wasnt aware that contacting repair shops was my responsibility along with having my car moved. As far as the alleged verbally abusive claims she made Ive never cursed at or  belittled my adjuster. I simply wanted to know why she wouldnt return my calls and keep me updated in a timely manner. I have yet to hear back from her via telephone or email. Attachments will be linked 

      September 2nd 2022, I contacted my adjuster via email to let her know that I chose a shop with availability for September 13th 2022 at ******************************. I also contacted her supervisor and left him a message stating that I chose a repair shop and that I emailed my adjuster the same information because I didnt want to miss that time window . I never got a response from my adjuster.

      September 9th 2022, ****************** contacted the supervisor via telephone to make sure that everything was set up for my vehicle to go to ******************************. September 13th 2022 ,because the adjuster still hadnt/ hasnt responded to any emails regarding this new information. Contradicting the Infinity Insurance companies claim that I chose a repair shop on September 9th 2022 Attachments will be linked.

      To whom it may concern, after the given information Infinity Insurance Company doesnt seem to have thoroughly reviewed my complaint. The communication between the insurance and customer is not great at all. All around not a good experience with this company.

      Sincerely,

      Summer Richardson 



      Business Response

      Date: 09/27/2022


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

      Customer Answer

      Date: 10/03/2022

       
      Complaint: 17896854

      I am rejecting this response because:

      The dates and statements that Infinity insurance made are not accurate. August 25, ************************ know via email that crash champions wouldnt be available for 2 weeks. I then gave the adjuster another repair shop that I was interested in which was ******************************** in an email. I never heard back from the adjuster about said repair shop. I never talked to the adjuster over the phone because she refused to talk to me over the phone. I sent photos already but I will attach them again.  September 2nd 2022 I chose a shop and emailed the adjuster about the availability they had for September the 13th 2022 at ******************************. I then called the claim manager and left him a message to let him know that I emailed her as well. The adjuster never did respond to my email on September the 2nd 2022 at all and I didnt hear from the adjuster until September 16th. September 16th 2022 I called crash champions to check on the process of the vehicle and Crash Champions informed me that my car was sitting at there lot since September 12th 2022 with no information on it to get started on what needed to be done. Information they informed me that was needed from the insurance company. I then emailed the adjuster to let her know this information. Infinity is stating that on September 9th 2022, that we the customers stated that Crash Champions wouldnt take the vehicle this is inaccurate. September 9th 2022 ****************** called the claim manager  to let him know the adjuster hadnt responded to an email sent out on September 2nd 2022 to confirm the available date for September 13th 2022. at Crash Champions. We the customers didnt want to lose that time window because the date could only be confirmed by the insurance company. 

      Regarding the adjuster not contacting us back. ****************** or *************************** never refused to talk to the adjuster she refused to return any calls and didnt reply to emails unless I had to double email her or she wouldnt answer at all. During this time, the last that I heard from adjuster was August 26th 2022. Then I emailed her again on September 16th that was when she decided to respond. So the reason we had to speak to the claim manager was not because we refused to talk to the adjuster she wasnt replying which resulted in us having to go through the claim manager.  We didnt want to speak to the claim manager because of his very sarcastic, rude, behavior with us during this very difficult trying time, but when asked to speak to his supervisor he refused to let us talk to anyone other than him.   

      As stated before the process was made harder than it had to be because of the unprofessional customer service, inability to correctly communicate and provide information. For ****************** to have been a valued customer for years never having to use her insurance and for a car to be stolen 12 days after taking it off  the lot the way the insurance company  went about this situation instead of being understanding, compassionate, considerate and informative they were just the opposite even worse. You would of thought we stole the car, the whole process we were treated very badly which cause us to even have to go to the BBB. 

      Sincerely,

      ***************************

      Business Response

      Date: 10/11/2022

      Attached is the submitted follow-up response letter for this complaint.
    • Initial Complaint

      Date:08/31/2022

      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.
      Hello,My car was stolen in *********** over a year ago and was involved in an accident while it was stolen. I got a call from Kemper, the insurance company of the woman who's car was hit in the accident. They said that my car had hit their clients and that I am being held accountable for the cost of the damages. I informed them that my car was stolen, and they requested a police report. I ordered the police report from the ***** but they informed me there is a 6 month delay on all police reports being sent out. I called Kemper and they said to get the police report number instead of the actual police report. I emailed the police report number to ***********************, a Kemper associate handling the case. She has not responded to my email, calls or texts to confirm that she resolved the issue. I called and got ahold of a random Kemper employee and asked to speak to their supervisor. They sent me to their supervisor's voicemail, and the supervisor has not returned my call. Its been almost two months. I again left a voicemail for the supervisor and have not received a call back. I then reached out to Kemper's **************** informing them of the situation and still not have received a call back about a month later. I continue to contact ****************** and she refuses to reply to my emails, calls, and voicemails. All I need is confirmation that they received the police report number and have cleared me of responsibility of the damages. If you can help me handle this, I would very much appreciate it. I've been going back and forth on this with them for over a year now. I have supplied all documentation that they've requested, but they have stopped all communication with me. Thank you for all your help, and have a nice day.Best Regards, ***************************

      Business Response

      Date: 09/01/2022

      United Insurance Company of America does not offer or sell automobile insurance; therefore this complaint does not involve United. 

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