“Full coverage” car insurance is a common term, but it doesn’t have a universal definition. It generally refers to a combination of essential and optional car insurance coverages that provide comprehensive protection. While it’s not a standardized package, understanding what constitutes “full coverage” with Kemper Car Insurance can help you make informed decisions about your policy.
Decoding “Full Coverage” Car Insurance with Kemper
When discussing “full coverage” with a Kemper agent, they’ll likely present a policy encompassing these key components:
- Liability Coverage: This mandatory coverage in most states protects you financially if you’re at fault in an accident, covering the other party’s medical expenses and property damage. Kemper may offer higher liability limits than the state minimum, providing enhanced protection against potential lawsuits.
- Collision Coverage: Regardless of fault, this coverage helps repair or replace your vehicle after an accident involving another car.
- Comprehensive Coverage: This protects your car from non-collision incidents like theft, vandalism, weather damage (e.g., hail), and fire.
- State-Required Coverages: Your policy will also include any mandatory coverages specific to your state.
Combining liability, collision, and comprehensive provides extensive protection, addressing potential expenses for both yourself and others involved in an accident.
Customizing Your Kemper Car Insurance Policy
Since “full coverage” isn’t standardized, it’s crucial to clarify the specifics with your Kemper agent. Don’t hesitate to ask about coverage details and limits to ensure you have the protection you need. Consider these optional add-ons:
- Roadside Assistance: Get help with flat tires, towing, and other emergencies.
- Rental Car Reimbursement: Covers the cost of a rental car while your vehicle is being repaired.
- Medical Payments Coverage: Helps pay for your medical expenses or those of your passengers, regardless of fault.
If you’re financing or leasing a car, inquire about required coverage types and limits with the dealership and ensure your Kemper policy meets those requirements.
Does “Full Coverage” Include Rental Car Reimbursement?
It’s important to note that rental car reimbursement is typically a separate, optional coverage. While crucial, it’s not automatically included in a “full coverage” policy. Confirm with your Kemper agent or customer service if you have this coverage.
Who Needs “Full Coverage” Car Insurance from Kemper?
Lenders often mandate “full coverage” for financed or leased vehicles to protect their investment. Beyond this requirement, consider your financial situation. Could you afford repair costs or a vehicle replacement after a total loss? “Full Coverage” is generally advisable if:
- Your car is relatively new.
- You couldn’t afford a down payment on a new car.
- A poor credit score would hinder financing or leasing a replacement vehicle.
- You prioritize peace of mind and can afford the higher premiums.
Kemper is committed to accessibility, offering bilingual agents to assist you in finding the right coverage.
Contact Kemper to Discuss Your Car Insurance Needs
Connect with a Kemper agent today to personalize your car insurance and get comprehensive protection tailored to your specific requirements. Find a local agent to discuss your needs and get a quote.
This material is for informational purposes only. Products, services, and discounts may not be available in all states or with all underwriting companies. Policy terms, exclusions, and conditions apply. Contact Kemper for details.
