Legal Rights Statement


Kemper Auto® is one of the top auto insurance specialists in the U.S., and part of Kemper Corporation, a $3 billion Chicago-based financial services company. Our success is based on more than 60 years of providing reliable personal and commercial specialty automobile insurance through more than 8,500 independent agents and brokers in over 20 states. The Kemper Auto underwriting member companies have the highly valued A.M. Best Company A- (Excellent) rating.

Headquartered in Dallas, Texas with offices also in Woodland Hills, California and Salem, Oregon, our experienced employees are ready to provide you with unsurpassed customer service along with our pledge that you can trust us to be there when you need us.

In this website, Kemper Auto refers to one or more of the companies listed in the below section entitled, Underwriting Companies, with respect to that company’s operations when writing the business described in this website as Kemper Auto.

Kemper Auto underwrites personal and commercial lines insurance through Unitrin County Mutual Insurance Company, Alpha Property & Casualty Insurance Company, Charter Indemnity Company, and Financial Indemnity Company. The particular company or companies that your agent or broker would represent and that would issue your policy depends on where you live and the coverage(s) you need. For further information, please talk to one of our agents or brokers.

Terms and Conditions

This document and information contained within the site itself provide the Terms and Conditions relating your use of this site. Regardless of how you access this site, your use is expressly conditioned on your acceptance of the Terms and Conditions contained below and within the site itself. If you do not wish to be bound by the Terms and Conditions, please discontinue using and accessing this site immediately.

Kemper Auto reserves the right to change the Terms and Conditions at any time without notice. You agree to be bound to any change to the Terms and Conditions when you access the site after any change is posted.

Purpose of Information on Web Site

The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. Only the actual insurance policy or contract can provide the actual terms, language, coverage amounts, conditions, and exclusions. For complete descriptions of the terms, conditions and exclusions of insurance coverage or other products or services, please contact us. All products and services referenced in this site are subject to certain qualification requirements, and may be changed at any time without notice. Products and services referenced in this site may not be available in all jurisdictions, nor in all underwriting companies.

External Links

Links to other internet sites that are not maintained by us may be accessed through this web site for your convenience only. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of Kemper Auto. We are not responsible for the content of those sites nor do we approve, endorse or certify information available at any external site or linked addresses contained herein. We make no warranties and hereby disclaim all liability as to the accuracy of the content and to any representations made concerning the quality of products or services provided on those sites. We are also not responsible for the privacy policies or practices of those sites. You should read the terms of use and privacy policies of those sites.

Intellectual Property Rights / Reproduction of Information Prohibited

The contents of this site are protected by applicable copyright or other intellectual property laws. The trademarks, service marks, slogans, logos, and other intellectual property are the property of Kemper Auto or its affiliates, unless otherwise disclosed. You may print a copy of the information contained herein for your personal non-commercial use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without prior written permission of Kemper Auto. All copyright and other proprietary notices must appear in all copies in the same manner as the original. In addition, any logo of such entity or service marks may not be used in advertising or publicity pertaining to distribution of this or any other material without specific, prior written permission of Kemper Corporation.

Updating of Information Disclaimer

The information presented on this website was believed to be accurate at the time it was published. While we periodically update the information on this website, the information is subject to change without notice, and we make no guarantee as to the timeliness or accuracy of any material presented on this site at the time accessed. We are not responsible and hereby disclaim liability for any errors, omissions or availability of this information. We reserve the right to add, remove and change information at any time without notice.


Any information received about you through services inherent to all Internet communications, is for our own use so we can analyze the activity of our web site and make improvements based on that activity. Please review the Company Privacy Policy regarding all other types of information we collect.

Be aware that all Internet e-mail can potentially be viewed, copied or modified by unauthorized persons. We are not responsible for the security or confidentiality of any information sent using e-mail.

Disclaimer of Warranties and Liability


In no event shall Kemper Auto, its underwriting companies, affiliates, subsidiaries, or parent companies be liable for any special, indirect, incidental or consequential damages or any other damages whatsoever resulting from or accompanying your use of this site. These include, without limitation, loss of use, data, revenues or profits, regardless of the type of action asserted, whether based on contract, negligence or other tortious conduct, arising out of or in connection with the use of this site or performance of this information. In the event that certain states do not allow us to limit or disclaim liability for incidental or consequential damages, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed in contract, negligence or other tortious action, will be limited to the extent required by such law.

Jurisdiction and Severability

These "Terms and Conditions" shall be governed by and interpreted according to the laws of the state of Texas without respect to any conflict of law provisions. If any provision of these "Terms and Conditions" is held to be invalid or unenforceable, it will not affect the validity or enforceability of any other provision hereof.

Underwriting Companies

Kemper Auto® is one of the top auto insurance specialists in the U.S., and part of Kemper Corporation, a $3 billion Chicago-based financial services company. Below is a list of underwriting companies with their respective principal places of business and other information:

Alpha Property & Casualty Insurance Company

400 S. Executive Drive, Suite 200, Brookfield, WI 53005
NAIC # 38156
State of Domicile: Wisconsin

Charter Indemnity Company

8360 LBJ Freeway, Suite 400, Dallas, TX 75243
NAIC # 37524
State of Domicile: Texas

Unitrin County Mutual Insurance Company

8360 LBJ Freeway, Suite 400, Dallas, TX 75243
NAIC # 29351
State of Domicile: Texas

Financial Indemnity Company

CA COA: 08986;
One East Wacker Drive, Chicago, IL 60601
NAIC # 19852
State of Domicile: Illinois
*Financial Indemnity Company maintains a Certificate of Authority to transact insurance in California. The California Certificate of Authority number (CA COA #) appears after the company name.


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