DIMINISHED VALUE CLAIMS AGAINST KEMPER
Kemper May Owe You for Your Car's Lost Value
Kemper is one of the largest auto insurers in the country. If you were hit by a Kemper policyholder and your vehicle lost value after the accident, you have a right to recover that loss — even after a perfect repair.
Certified Appraisals — Every Make & Model
TWO REPORTS, ONE GOAL
Choose the Report That Fits Your Kemper Claim
Proceed at no cost to see what your claim is worth. You only decide whether to purchase the report at the end. Both reports use the same IACP-certified methodology and real market data — not Kemper's internal formulas.
Diminished Value Appraisal
With Claims Support
Filing against Kemper yourself? We walk you through every step. Certified appraisal, strategy call, demand letter, and response support included — save 30–40% vs. typical attorney fees.
- IACP-certified appraisal
- Strategy call included
- Demand letter & response support
- Settlement guide & carrier playbook
- Nationwide coverage
Diminished Value Appraisal
Court Ready
Already have an attorney or plan to file on your own? This is the certified report only — the same USPAP-compliant appraisal, ready for litigation, small claims court, or formal demand against Kemper.
- IACP-certified appraisal
- Comparable vehicle market analysis
- Three independent DV methodologies
- Court & litigation ready
- Nationwide coverage
Not sure which is right for you? Schedule a free consultation and we’ll help you decide.
What Kemper Won't Tell You About Diminished Value
Every insurance company has a playbook. Knowing theirs is how you win.
When you're hit by a Kemper policyholder and your vehicle is repaired, Kemper pays for the repairs. What they don't volunteer is that your vehicle is now worth less than it was before the accident — and they owe you for that too.
This is called diminished value, and it's a legitimate, legally recognized claim in most states. The problem is that Kemper, like most carriers, doesn't mention it. They hope you'll cash the repair check and move on.
Most Kemper policyholders' victims never file a DV claim — not because they don't have one, but because nobody told them they could.
Common Tactics We See from Kemper
- Ignoring the claim entirely. They pay for repairs and close the file — without ever mentioning diminished value.
- Requesting you "prove" the loss with a sale. You don't have to sell your vehicle to prove it lost value. That's not how tort damages work.
- Offering a lowball figure to make it go away. A $500 offer on a $6,000 claim is not a settlement — it's a tactic.
- Using an internal formula that undervalues the claim. Carrier formulas (like the 17c method) are not industry standards — they're designed to minimize payouts.
How to File a DV Claim Against Kemper
Three steps. No attorney required. We've done this hundreds of times.
Order Your Appraisal
Upload your repair estimate, photos, and CARFAX through our secure intake. See your estimated claim value before you pay anything.
We Build Your Report
Our IACP-certified appraisers pull comparable sales, interview dealers, and produce a USPAP-compliant report that Kemper can't dismiss.
You Collect What You're Owed
Submit your appraisal to Kemper with a demand letter. Most claims settle without litigation.
Why Kemper Takes a Certified Appraisal Seriously
When you send Kemper a text message saying "my car lost value," they have no reason to respond. When you send them a USPAP-compliant, IACP-certified appraisal backed by real market comparable data and a formal demand letter, the dynamic changes completely.
A certified appraisal:
- Documents the pre-accident and post-accident market value with evidence
- Meets the evidentiary standard for court, arbitration, and appraisal panels
- Shifts the burden: Kemper now has to explain why they disagree with a qualified expert
- Creates a paper trail that supports a DOI complaint or bad faith claim if they stonewall
This is how professionals handle diminished value claims. And this is exactly what we build for you.
COMMON QUESTIONS
Kemper Diminished Value FAQ
Yes — if someone insured by Kemper caused your accident, you can file a diminished value claim as part of your property damage claim. This is a third-party tort claim in most states.
Most diminished value claims settle without an attorney. A certified independent appraisal gives you the documentation and leverage to negotiate directly. If Kemper refuses to negotiate in good faith, an attorney may be appropriate — and your appraisal becomes the foundation of that case.
It depends on your vehicle's year, make, model, mileage, and the extent of repairs. Claims typically range from $1,500 to $15,000+. You can see your estimated value before you pay anything.
No. A diminished value claim is filed against the other driver's insurer, not yours. It has no impact on your own policy or rates.
A denial or lowball offer is not the end. With a certified appraisal in hand, you can escalate through a formal demand, file a complaint with your state's Department of Insurance, invoke the appraisal clause if applicable, or pursue the claim in small claims or civil court.
We typically deliver your certified appraisal within 24 hours. After you submit your demand to Kemper, most carriers respond within 30 days.
REAL RESULTS
What Happens When You Fight Back
These are real outcomes from real claims. No made-up numbers.
Mazda CX-5
They Said “Just a Bumper Job.” The Reality Was Structural Damage.
Insurer's Estimate
$4,732
Appraisal Agreement
$22,342
+$17,610
Additional recovery — 372% more
Total Loss — Appraisal Clause Exercised
The Insurer Undervalued the Vehicle. The Umpire Didn't.
Insurer's Offer
$18,819
After Appraisal
$25,837
+$7,018
Additional recovery — 37% more
2022 Mercedes-Benz GLB • Scottsdale, AZ
State Farm Approved the Full Diminished Value Amount.
Without CCA
$0
Full Payment Approved
$5,439
$5,439
Recovered — full amount approved
Why Certified Matters
Similar to our expectation that the men and women of the collision industry operate at a high level of professionalism and integrity, we expect the same from our staff and network of appraisers here at Collision Claims Advisors. All appraisers contracted through Collision Claims Advisors are required to be IACP certified through the Bureau of Certified Auto Appraisers. This requirement not only separates us from our competition, but it allows us to follow and maintain a uniform standardized practice, better known as the Uniform Standards of Professional Appraisal Practice (USPAP).
The Bureau of Certified Auto Appraisers (www.BOCAA.org) is a National Professional Appraisal Credentialing Organization (NPACO) as recognized by the IRS & US Department of Treasury for the qualification of IACP Certified Auto Appraisers Worldwide.
The Uniform Standards of Professional Appraisal Practice (USPAP), developed in 1986-87 and copyrighted by The Appraisal Foundation, is the gold standard for appraisers across the United States. Endorsed by Congress, it serves as the definitive source for appraisal standards and appraiser qualifications. When an appraisal aligns with USPAP standards, it's more than just an opinion; it's considered solid evidence.
READY TO TAKE ACTION?
Choose the Report That Fits Your Kemper Claim
Proceed at no cost to see what your claim is worth. You only decide whether to purchase the report at the end. Both reports use the same IACP-certified methodology and real market data — not Kemper's internal formulas.
Diminished Value Appraisal
With Claims Support
Filing against Kemper yourself? We walk you through every step. Certified appraisal, strategy call, demand letter, and response support included — save 30–40% vs. typical attorney fees.
- IACP-certified appraisal
- Strategy call included
- Demand letter & response support
- Settlement guide & carrier playbook
- Nationwide coverage
Diminished Value Appraisal
Court Ready
Already have an attorney or plan to file on your own? This is the certified report only — the same USPAP-compliant appraisal, ready for litigation, small claims court, or formal demand against Kemper.
- IACP-certified appraisal
- Comparable vehicle market analysis
- Three independent DV methodologies
- Court & litigation ready
- Nationwide coverage
Not sure which is right for you? Schedule a free consultation and we’ll help you decide.
or call (877) 587-3040