Q. How can I reach Kemper Preferred with a question about the Web site?
A. Although your agent is a trusted advisor, you can reach Kemper Preferred at 1-877-252-7878 during the hours of 8:00 AM to 8:00 PM EST Monday through Friday.
Q. I am interested in getting insurance, however I find the insurance process confusing. Where do I start?
A. Kemper Preferred sells its insurance through an extensive network of independent agents, which act as your personal insurance advisors to help take the confusion and frustration out of getting insurance. By clicking here, you can easily find an agent near you, contact that agent for a policy quote and your agent will help you choose the best coverage.
Q. What are the different types of insurance offered by Kemper Preferred?
A. Our company offers a spectrum of coverages including automobile, homeowners, boat owners, condo and apartment, collectibles, umbrella and personal property coverages. Kemper Preferred also makes it easy to combine your auto, home, and other coverages into a “Package” policy. Fewer gaps in coverage, one bill and no fuss!
Q. What kind of insurance do I need and how much?
A. Your agent can help you determine what kind and how much coverage you need. However, we have also provided you access to the Confluency Personal Property Analyzer , which helps determine proper coverage limits to carry.
Q. How do I get a quote from Kemper Preferred?
A. Just click here and you can easily find an agent near you, contact that agent for a policy quote and your agent will help you choose the best coverage.
Q. What is an Independent Agent and why is that the best way to go?
A. Independent agents own their businesses and work with – not for – insurance companies. An independent agent can offer you a wide variety of coverage options that can be customized to your specialized needs. They represent several companies, and can offer you the best combination of price and coverage. Click here to find an independent agency that will help you with your insurance needs!
Q. Why should I consider adding Identity Fraud Expense Coverage from Kemper Preferred?
A. As an ideal add-on to your Kemper Preferred Homeowners or Package
Plus policy, Identity Fraud Expense Coverage will pay costs to
recover from identity fraud, including: Attorney fees incurred as a
result of the particular case Lost income resulting from time taken
off of work to resolve the case Costs to re-apply for loans
previously rejected due to effects of the case Costs of documents
required by financial institutions to prove the case Costs for long
distance phone charges to institutions assisting in the resolution
of the case.
Learn more about Identity Fraud Coverage.
Q. How do I file a claim?
A. If you need to make a claim on your auto, home or other personal property policy, call our 24-hour national loss reporting number toll-free at 1-888-252-2799 and speak with one of our courteous professionals. In most cases, your claim will be followed up on within one business day.
Q. How do I obtain an up to date status on my filed claims?
A. To track or obtain the status of a filed claim click here to register or log into Manage My Policy. If you do not wish to register with Manage My Policy, you may contact the appropriate regional claim office, for assistance regarding a previously filed claim. Click here for a list of Kemper Preferred offices and contact information.
Q. How can I find out what is happening with my claim?
A. You can view the Claim Status, Total Paid to Date, etc. on the Claim Details page in Manage My Policy. You may also contact the Kemper Preferred claim representative assigned to handle your claim to discuss the status and obtain further details.
Q. What information is provided on the Claim Details page?
A. You'll find details about your claim such as: date of loss, loss location, insured vehicle involved details, claim payment information, your assigned Kemper Preferred claim representative contact information and more.
Q. How can I contact the Kemper Preferred claim representative handling my filed claim?
A. You may contact the Kemper Preferred claim representative via telephone or email. The Kemper Preferred claim representative contact information is located on the Claim Detail page.
Q. How often will my claim status be updated?
Q. How soon will my claim information appear online?
A. Next Business Day
Q. The information displayed is different than the facts I reported. What should I do?
A. Please contact the Kemper Preferred claim representative handling your claim to discuss any discrepancies.
Q. Why isn't my filed claim appearing?
A. There are several reasons why your claim may not be appearing. 1) You reported your claim within the past 24 hours. 2) You may not have registered the policy you filed a claim against. 3) Your claim has been closed longer than 3 years. 4) The applicable policy is not registered on the Manage My Policy web site.
Q. How much has been paid on my claim?
A. You can see the Paid to Date for each coverage exposure reported to date on the Claim Details page under Payment Information. To obtain more detailed information about payments see View Claim Payments in the I Want To... box.
Q. Am I covered for this claim?
A. The Kemper Preferred Claim Representative handling your claim will be able to explain in detail the coverage you have available and their applicability to the loss you reported.
Q. Am I responsible for a deductible or a portion of the claim?
A. The Kemper Preferred claim representative handling your claim will be able to best explain whether you have to pay a deductible and if so, how much.
Q. I was not at fault for the accident. Will I have to pay a deductible?
A. The Kemper Preferred claim representative handling your claim will be able to best explain fault of the accident and whether you have to pay a deductible and if so, how much.
Q. How can I determine whether I will get my deductible back?
A. After paying a claim caused by a negligent party, we assign a Subrogation Recovery Specialist to pursue the negligent party for reimbursement and to keep the customer informed on the status of our payment recovery efforts.
Q. What is subrogation?
A. Subrogation is the process in which the insurance carrier seeks reimbursement of the monies it has paid for a covered loss from the negligent party or that party's insurance company. The company will frequently also include the policyholder's deductible in that request.
Q. How long will it take to recover my deductible?
A. If it is determined through investigation that the loss was caused by the negligence of another party, we will attempt to recover the monies paid by Kemper Preferred along with policyholder's deductible. The time it may take to recover your deductible varies. The length of the process depends on the amount of cooperation we receive from the negligent party or the party's insurance company. We will make every effort to recover the monies as quickly as possible.
Q. How long will my claim information stay online?
A. After closure of the claim, the claim will remain online for 3 years.
Q. What types of claim payments can I view online?
A. All direct loss payments. Expense payments incurred by the company in the handling of your claim will not be displayed.
Q. What is a Cat code?
A. A Cat code is a sequential serial number assigned by ISO Property Claim Services (PCS) to a catastrophic event. The Cat code allows the insurance industry to track losses related to a single event.
Q. How do I find a Kemper Preferred-affiliated auto repair shop?
A. If you choose a Clear Choice Claim Service® facility, they can begin repairs as soon as we send a referral, and we will guarantee their workmanship for as long as you own or lease your vehicle. Click here to search for an auto repair shop using your address.
Q. Can I access my bills, policy declarations, ID cards and notices on this Web site?
A. Yes. After you have registered your policies on the Manage My Policy section of this Web site, click on the "Documents" link in the left menu under the policy number with the documents you wish to view. Then click on the "View" button corresponding with the desired document.
Q. How do I print my ID card?
A. After you have registered your policies on the Manage My Policy section of this Web site click on the "Documents" link in the left menu under the policy number of the ID card you wish to print. Choose the tab labeled "Declarations / ID card". This will provide links to all of your available declarations page(s). Click on the "View" button corresponding to the most recent policy declarations. If the ID card is available, you can find it on the last page of the declarations document.
Q. How can I request a change to my policy or discuss my policy coverage?
A. Requests for changes to your policy or questions regarding policy coverage should be directed to your agent as he or she is a trusted advisor in these matters.
Q. How do I contact my Kemper Preferred Agent?
A. To find your agent, click here and register or log in and view your agent’s information displayed on the upper right hand corner of the page.
Q. How can I elect to receive my bill electronically?
There are two options for receiving your bills electronically:
Q. What is Automatic Payments?
A. Automatic Payments is a payment option that allows you to authorize automatic withdrawal of premium payments from an authorized bank account or credit card each time an installment is due. Click here to learn more about Automatic Payments.
Q. What credit cards are allowed for Automatic Payments – Credit Cards?
A. We currently accept Visa or MasterCard backed credit and debit cards.
Q. Once I select a withdrawal day, when will it be used for the first time?
A. If you change your withdrawal day while a automatic withdrawal is pending (i.e., within approximately 20 days of your current withdrawal day) the pending withdrawal will be made. The new withdrawal day will be effective for the next withdrawal based on your payment plan.
Q. What days of the month are available as withdrawal days?
A. You can select any day between the 1st and the 28th as your withdrawal day.
Q. How will I know that the change has been made and when the next withdrawal will be made using the new withdrawal day?
A. Within one week of selecting a new withdrawal day you will receive a WITHDRAWAL DAY CONFIRMATION NOTICE in the mail. The notice will display the withdrawal day you selected and the scheduled date of the first withdrawal using that day.
Q. How often can I change my withdrawal day?
A. You will be allowed to change your withdrawal day a maximum of two times per policy term.
Q. What will my withdrawal day be if I don't select one?
A. If you don't select a withdrawal day, your withdrawal day will be the same as your policy effective day for those policies effective the 1st through the 28th and the 28th for those policies effective on the 29-31st of the month.
Q. What is EFT (Electronic Funds Transfer)?
A. EFT (Electronic Funds Transfer) is the method used to withdraw a premium payment from an authorized checking or savings account.
Q. I just updated my Automatic Payments account information. When will the changes take effect?
A. Any changes to existing Automatic Payment accounts will not take effect immediately. It may take up to 2 business days for registrations, changes or removals to take place.
Q. I just made a payment from my checking or savings account. Does this mean that from now on, when I have payments due, they will automatically be withdrawn from my bank account?
A. No. With our ‘Make a Payment’ feature you have authorized only a one time withdrawal. If you’re interested in future automatic withdrawals to pay your insurance bills, consider our Automatic Payments option.
Q. I just made a payment using my credit card. Does this mean that from now on, when I have payments due, they will automatically be charged to my credit card?
A. No. With our ‘Make a Payment’ feature you have authorized only a one time withdrawal. If you’re interested in future automatic withdrawals to pay your insurance bills, consider our Automatic Payments option. With this option, your premium payments can be automatically charged to your Visa or MasterCard credit card account each time an installment is due.
Q. When I select the Automatic Payments option, will I avoid billing charges and other fees?
A. There is a $1.00 billing charge associated with each
installment payment when using Automatic Payments to make
automatic payments from a checking, savings or credit card account.
Payers on the One Pay plan will not have the billing charge assessed.
Q. I just signed up for Automatic Payments. Will my next payment be made automatically?
A. It depends. If the bill for your next payment has already been generated by our billing system, it may be too late for that payment. Until you hear from us, continue to send in your insurance payments as usual so your coverage is not interrupted. We will notify you when your Automatic Payment account has been established and we’ll let you know the amount and due date of your first withdrawal.
Q. After my Automatic Payment account is established, what day will payments be deducted from my bank account?
A. Payments will be withdrawn from your account on your normal payment due date or the date you selected as your withdrawal date.
Q. How current is the information displayed regarding my “Last Billed Amount” and “To Pay in Full” amount?
A. The “Last Billed Amount” is the amount of your most recent bill and doesn’t reflect any payments made or adjusted after the bill was issued. Keep in mind that your latest bill may still be in the mail. The “To Pay in Full” amount is current as of two business days prior to the date you are viewing the site.
Q. My bill is due and I just made a payment on this Web site today. When will my payment be applied to my policy?
A. Payments entered via the Web site are acknowledged the day they are submitted. The payment will be posted to your policy within 2 business days.
Q. How will I be sure you receive the payment I entered?
A. On the day a payment is submitted, an email confirming payment is sent to your registered email address.
Q. If my policy is cancelled or non- renewed can I make a payment to reinstate it?
A. No. Making a payment on a cancelled or non-renewed policy will not result in an automatic reinstatement of your policy. Please contact your agent for additional information.
Q. How do I pay my bill?
A. Kemper Preferred continually strives to make it easy for you to do business with us. Click here to register or log in to pay your bill online.
We also offer the ability to make one time payments by calling our toll free automated telephone service at: 1-877-488-7488
Payments can be made from your checking or savings account or by MasterCard or Visa debit and credit cards. Confirmation of one time payments through the IVR will be sent either to the mailing address on the policy or to the email address provided to Kemper Preferred.
This service is available 24 hours a day, 7 days a week.
You may also be able to make payments through your bank’s online bill pay site. Click here to learn about eBilling.
Q. I have questions about my bill. Who can I call?
A. For answers to billing questions, please contact your Kemper Preferred agent. If you have additional questions, you may contact a Customer Relations representative toll-free at 877-252-7878 (available 8 a.m. to 8 p.m. EST) or via email at email@example.com.
Q. If I unenroll from eBilling for my Premium Bills at kemperpreferred.com, can I re-enroll for eBilling at kemperpreferred.com?
A. Enrollment and re-enrollment for eBilling must be completed at your bank’s online pay site or MyCheckFree.com. There are Terms and Conditions specific to those sites that you must agree to in order to activate this service.
Q. Can I turn paper bills and documents back on if I choose to go paperless?
A. Yes, this preference can be changed at any time. After logging in, select Customer Preferences on the left and change your selections to “No” next to Paperless Billing Documents and/or Paperless Policy Documents.
Q. What types of documents are included when I go paperless?
A. By selecting “Yes” for your paperless options, you will then receive your bills, ID Cards and Declarations pages in a paperless format.
Q. How can going paperless help protect my identity?
A. Going paperless reduces the amount of paper mail we send to your mailbox, which may contain personal information and could easily be stolen from your mailbox. If you go paperless with Kemper Preferred, your bills and policy documents are stored and accessed in a secure online environment.
Q. Where do I find my paperless documents?
A. After logging in to kemperpreferred.com, all paperless documents and bills can be located on the Policy Overview page.
Q. How can I elect to receive my bill electronically?
A. There are two options for receiving your bills electronically:
Q. What is eBilling and how do I enroll?
Q. What is the difference between eBilling and Paperless Billing Documents?
A. Enrollment in eBilling means you will no longer receive paper Premium Bills. It allows you to view and pay your Premium Bills at your bank’s online pay site.
Enrollment in Paperless Billing Documents means that billing documents including but not limited to your Premium Bill will not be mailed to you. Instead you will be notified electronically that they are available for viewing at kemperpreferred.com.
Whether signed up for eBilling or Paperless Billing Documents you can also continue to view your Premium Bill in the View documents section of kemperpreferred.com.