Kemper Auto Insurance –  Underwriting Guidelines and Knowledge Test

Kemper – Auto Insurance Underwriting and Quoting Guidelines

Types of Polices and Coverages Sold:      Liability       Comp/Collision      SR-22        Uninsured/Underinsured         Med Pay        Roadside Assistance    Car Rental Reimbursement Due to Accident

Supporting Documents Required:

• Identifications: Driver’s License, ID, Matricula
• Proof Of Vehicle Ownership: Valid Registration, Title with Owner Name, Buyers Bill or Placard

Supporting Documents NOT Accepted: Passports, Temporary ID Cards, Moving Permits, Expired Registration, Car Notes, Smog Checks

New Policy Start Up Guidelines:

Clients must have their Driver License ready and Proof of Vehicle Ownership. If vehicle(s) policy includes Comp and Collision coverage vehicles pictures MUST be taken. Monor pre-existing damage on vehicle will be accepted and Comp & Collision can be added to the policy.

Application and POP must be emailed to the company.  

Policy purchase can be by cash, money order, or debit/credit. If policy is purchase in office, a $20 cash only in office fee will be applied. Application signatures will be sign with Xodo Sign through via E-mail or in office.

As Express Procedure we must acquire from the customer and have to upload the DISCOUNT DOCUMENTS before we issue the policy, or discounts will be removed effective from the inception day.

As Express procedure we must conduct a vehicle inspection and have pictures taken of vehcile when the customer purchases Comprehensive and Collision coverage. 

Endorsement Guidelines:

All endorsements must be established by the main insured(s) of the policy. It can be done over the phone, via E-mail, or in office. Signatures must be obtain under Xodo Sign. If in office, a $20 cash only in office fee will be applied when adding drivers, vehicles, or Sr22s. Supporting Documents are required.

On all policy terms, Kemper may collect estimated premium in advance, or may bill the insured for additional premium due for an endoresement. 

If a Minimum Endorsement Payment Requirement is requested by Kemper, it must be paid by money order or debit/credit. Cash not accepted.

Renewal Guidelines:

Renewals will be applied as a regular monthly payment with a debit/credit or money order. Cash not accepted. If policy is set up with EFT (Automatic Credit/Debit or, bank account), policy will renew.

A $15 NSF fee will be applied if the EFT payment declines.

Payment Guidelines:

Payment must be processed by a debit/credit or money order. Cash not accepted. If policy is set up with EFT (Automatic Credit/Debit or, bank account), payment will be drafted automatically.

$15 NSF fee will be applied if the EFT payment declines.

Reinstatement Without a Lapse Guidelines:

Insured will have no more than 10 days after cancellation date to reinstate policya long with the reinstatement payment amount. No loss statement will be required.

No Loss Staement must be email to Kemper.

Backdate Policy Guidelines:

No Backdating Available

New Policy Down Payment %:                                                              

6 Month: 31 days down and 5 installments
6 Month FR: 35 days down and 5 Installments
Pay In Full                                                                    

Fee Schedule:

New Business Policy Fee: $20.00
Endoresment Fee: $5.00
SR-22 Fee: $10.00
Monthly Installment Fee: $11.00
Reinstatement: Fee:  $10.00. For policies expired more than 10 days.
Returned Payment Fee (NSF) $15.00
Cancellation: None

Agent Support Number:    (773) 527-6622
Underwriting Number: (630) 645-7777
Document(s) Email: aacpolicydocumements@kemper.com

Express Underwriting Review and Approval Procedure

Below is how Express Underwriting will inspect your Kemper Policy to make sure it was completed correctly and approve it for commission payment.

Accepts: Driver’s license, Identifications, Matriculas, Mexico driver’s license, and USA Permit (No Europe, Asia, No passport or Elector).  Need proof of legal ownership, title, Registration, and active registrations under the name insured.

Applications: Upload application, Driver’s license, ownership proof, vehicle photos (if there is comprehensive and collision), and discount documents upload them in Agency Matrix, with support documents and photos if needed, update DMV, detail notes.

Backdate Application: No backdate applications are accepted

Endorsement: Policy documents and photos (comprehensive and collision) are required before any endorsement, updated Department of Motor Vehicle if adding a vehicle

No Loss: Upload no loss, and photos, (double check if there are no old pictures, already in the Agency Matrix, or in the company) chat with the company, and detail notes Agency Matrix.

Manual Endo: Upload to company, and to the Agency Matrix, add notes, and follow up.

Cancellations: Upload to the company, in Agency Matrix, and email to the company, add notes and follow up.