Maison Law and our team of California car accident lawyers can help you if your injury claim is denied by Kemper Insurance. You’ve already been injured in the collision, so when Kemper and its adjusters start questioning that before denying your claim, it’s incredibly frustrating. But you have other options, and our team can guide you through them. Set up a free consultation today.
How Does Kemper Insurance Decide to Deny a Claim?
When you file a claim with Kemper Insurance Company after a car accident, it’s a pretty challenging time. You’re dealing with pain from your injuries, missed work, damage to your car, and a lot of stress. But getting your claim denied doesn’t just happen randomly. Kemper and its adjusters have a process they go by. That usually includes the following steps:
- Looking at both versions of events. Essentially, a car accident claim has two stories: yours and theirs. The adjusters are going to look at the basic facts and compare them to your story, from what you said at the scene to the medical records you later provide. And unfortunately, any wording difference or gap in treatment is going to be used against you. That’s why you need to be careful and just stick to the facts of what happened.
- Reviewing the evidence. Another huge part of the claims process is looking at the physical evidence. This includes things like:
- Damage to both cars
- Whether or not any airbags went off
- What the road conditions were
- Road layouts, the exact location of the collision, skid marks, and anything else
Their goal isn’t just to understand the accident. It’s to see whether the evidence gives them leverage.
- Pouring through your medical records. Because it’s an injury claim, there’s going to be medical records to go through. Kemper has an army of adjusters and claim reviewers to go line-by-line of your medical records. They’re going to be looking for prior injuries, gaps in your treatment, missed follow-up appointments, and anything that might point to your injuries not being tied directly to the accident.
- Examining the policy itself. Then there’s the policy itself. If everything lines up the way it’s supposed to for you, Kemper can look at their own policy and find ways to wriggle out from under it.
Ultimately, a claim decision comes down to the company’s bottom line. Adjusters are trained to base their decision on how much the case could cost and how strong the supporting evidence is. It’s important to understand this mindset. A denial doesn’t necessarily mean they believe you’re lying. It usually just means they think they have wiggle room.
What Can I Do After Kemper Denies My Claim?
Obviously, going through the claims process just to have Kemper deny it is pretty demoralizing. They have all the control for a reason. They can interpret the evidence any way they want—no matter how objective it might seem. But it’s crucial to understand that even with a denial, you have other options:
- Reading the letter. The first thing to do is read the denial carefully. Kemper is required to explain why they denied the claim, and that explanation is valuable because it shows you exactly where they think your case falls short. From there, you can go back to them with:
- More detailed reports from your doctor explaining how the accident caused your injuries
- Updated imaging or specialist evaluations
- Clearer accident scene photos
- Witness statements that weren’t previously submitted
- Bank records and paystubs showing the financial impact on you.
Think of it as tightening the file. If they pointed to gaps, you work on closing those gaps. But even then, they can still make a decision the way they want. And if they stick to their decision, you might have to take the power out of their hands altogether.
- Filing a lawsuit. Sometimes, you have to go to court to get a fair shake. With a lawsuit, you ask a judge—and potentially a jury—to look at the evidence and come to a decision. More importantly, though, a lawsuit gives you access to greater financial support, like:
- Current and future medical expenses
- Lost wages and loss of future earnings
- Repair/replacement costs for your car
- Pain and suffering
- Emotional distress
- Reduced quality of life
One way or the other, the decision is ultimately going to come down to one thing: evidence. But every situation is different, so you have to look at your own accident and figure out what can help you the most.
How Can Maison Law Help Me After Kemper Denies My Claim?
The most frustrating part about the Kemper claims process—whether they deny your claim or not—is that they constantly move the goalposts. You give them clear pictures and they come back and say that they aren’t. They constantly ask for updated medical records, then pick through them to find discrepancies.
Up until this point, you’ve tried to take them on yourself. And while you can continue to do that, a denial means going further. That’s where our team at Maison Law can step in and help you. We know how to push back and get a fair result for you by:
- Translating what Kemper says. That denial letter isn’t just bad news—it’s a clue. It tells us what Kemper thinks is missing or weak. We sit down, go through it carefully, and pinpoint the exact reason they felt comfortable denying the claim. If they’re saying there isn’t enough proof, we focus on what would actually strengthen it instead of guessing.
- Putting the full picture together. After an accident, paperwork ends up everywhere—medical visits here, repair bills there, pay stubs in another pile. On their own, those documents don’t always tell a clear story. We organize everything so it connects back to the accident in a clean, easy-to-follow way. When the story is clear, it’s much harder for the insurance company to create doubt.
- Dealing with Kemper’s adjusters. Once a claim is denied, conversations tend to feel more tense. Every word seems to matter. We step in and handle those calls, letters, and emails for you. That way, you’re not stuck worrying about whether something you said could be twisted or misunderstood.
- Going to court. If Kemper refuses to reconsider, sometimes the only way to move things forward is to take it out of their hands. Filing a lawsuit shifts the decision to a courtroom instead of an insurance adjuster’s desk. It doesn’t mean things suddenly become dramatic—it just means your case gets evaluated in a setting where the evidence has to stand on its own.
Most of all, we just want to make things easier for you. You already have enough on your plate. Reach out to our team today to set up a free consultation and let us talk you through your options.
