Complaint Review: Kemper Insurance - Los Angeles CA
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- Author Not Confirmed
- Kemper Insurance Los Angeles, CA United States
- Phone: 800-353-6737 ext. 1351607
- Web: https://www.kemper.com/
- Category: Auto Insurance, Motor Vehicle
Kemper Insurance Kemper Their costumer crashed into my car and they don't want to cover the damages Los Angeles CA
*Consumer Comment: Sorry to tell you this...
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My car was parked outside my house at 4am in the morning! I was sleeping in my bed when this Kemper costumer came in and crashed his car into another car that then hit the back of my car. The total damage of the two cars was $26,000.
Fixing my car took one month and costed almost $9,000 from where I had to pay $1000 deductible out of pocket. Did I mentioned I was sleeping in my bed!?
Guess what! The Kemper costumer only had a damage limit of $5000 so Kemper's response was: "We're sorry but you have to pay because our costumer doesn't have any more money in his policy." Just fixing the back of my car costed $9000! How can be legal that someone only has a $5000 limit???
Just imagine if people were inside those cars and then had to go to a hospital and later pay a $100K bill because of this person's irresponsible behavior! Kemper insurance shouldn't be in business, they're putting more people at risk than protecting them.
This report was posted on Ripoff Report on 05/05/2022 10:47 PM and is a permanent record located here: https://www.ripoffreport.com/report/kemper-insurance/los-angeles-ca-costumer-car-1518172. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Consumer Comment
Sorry to tell you this...
AUTHOR: Robert - (United States)
SUBMITTED: Friday, May 06, 2022
The minimum Property Liability in California is $5,000 so yes while it totally sucks for you it is 100% legal. On the plus side, you should be glad that the person didn't just do a hit-and-run.
As for the insurance company, they are only liable up to the policy amount. Every dollar above that maximum you would be responsible for. It doesn't matter if that is $10 or $100,000. The insurance company only is required to pay up to the limit.
Now, as to what you can do. Unless you signed away your rights when you collected from the insurance company you can still sue the owner directly for your out-of-pocket expenses. If your out-of-pocket was only $1000 and they paid you that or more, you have nothing more you can sue for. It doesn't matter what the estimate was. Now, if you ended up having to pay that $9,000 you can still sue them for the difference of about $4,000 plus court costs or any other expense you had (such as rental cars).
This is small enough that you could handle it in small claims. Of course, if the owner doesn't have the money it may end up being a victory in name only.
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