Kemper Corporation

This morning (May 8, 2020) I received a call from my insurance companies
adjuster (Jose C) that our 2017 Hyundai Elantra was totaled. In my previous
conversation with him (the prior day) I had tried to set up an appointment for him to look
at the car at my house or at the auto-body shop. He did not want to do that (made some
excuse about Covid 19). He said he would use the photos and damage estimate provided
by one of the shops I got an estimate from.. [Note that I saw adjusters in the shop] That
shop's estimate and another's was about $9,000. I asked why he decided to total the car. I
asked what was the car valued at and what damage estimate did he use - my shops estimate
or his own. He did not want to answer any questions and provided no answers. Within two
hours of that call I got a call from a car scrapping company to pick up the car. I refused to
have them pick up the vehicle until everything was settled with the insurance company. I
called the adjuster (David S) assigned to the case to ask him why was the car
totaled. He said that a "supplemental" estimate had been submitted by the appraiser. There never was a supplemental damage estimate. The car has been at my house and was not torn down by my shop or any other to warrant a
supplemental estimate. This supposed supplemental estimate was $12.000 ($3,000 more
than my estimates) and no one looked at the car. The adjuster said that the "supplemental"
$12.000 damage estimate was why the care was totaled. Given my estimates included
some repair of structural damage to the car, I became suspicious. Either the appraiser
(Jose C) is incompetent or he is involved in a scam with others to get high quality
salvage cars to turn around for a profit. Since when do Auto Insurance companies damage
repair estimates come out higher than a high quality shop's estimate. I need the fixed
quickly. and this car should not be totaled. The claim adjuster David S phone
number is *** His email is *** David S has been professional. The appraiser Jose C phone number is *** and email is

Same here and just to find out my grandma paid a policy off that they are claiming lapsed. So now what. My family needs a lawyer asap.