How Kemper undervalues claims
Valuation engine: CCC ONE Market Valuation
- Kemper uses CCC ONE and is known for slower response times than peer carriers — written demands tighten the timeline.
- Kemper frequently issues lowball first offers and resists upward revision without third-party documentation.
- Kemper rarely inspects vehicles in person, relying on claimant photos for condition adjustments.
- Independent appraisals with citable comps consistently improve Kemper settlements by $1,500+.
Hawaii laws on your side
Appraisal clause
Hawaii auto policies include a binding appraisal clause.
Sales tax & title fees
Insurers must include applicable GET and title fees in the total-loss settlement.
Diminished value
Diminished-value claims depend on policy form and judicial precedent.
Statute reference
Haw. Rev. Stat. §431:13-103 (Unfair Practices).
How Kemper calculates ACV in Hawaii
In Hawaii, Kemper runs every total-loss valuation through CCC ONE Market Valuation. The system pulls roughly 10 "comparable" listings within a 170-mile radius of your ZIP code, then applies a base value before stacking deductions. For Hawaii claims, Kemper adjusters tend to subtract $900–$1,600 as a "condition adjustment" based on photos rather than an in-person inspection, and they almost always omit factory option packages (navigation, premium audio, tow package, advanced safety) that boost ACV in the Hawaii private-party market. Insurers must include applicable GET and title fees in the total-loss settlement, but Kemper's first offer in Hawaii frequently leaves that line item blank until you push back. The comp radius, the condition deduction, and the option-package omission are the three places where Hawaii drivers consistently recover thousands once an independent appraiser re-runs the numbers.
Hawaii case study: +$2,520 on a 2019 Nissan Rogue
A metro Hawaii client came to us after Kemper offered $17,500 on a 2019 Nissan Rogue totaled in a rear-end collision. The CCC ONE Market Valuation report pulled comps from outside the local market and missed two factory option packages. We rebuilt the valuation using Hawaii-specific dealer asking prices, corrected the mileage adjustment, and added the omitted options. Kemper revised the offer to $20,020 — a $2,520 increase — within 22 days, without invoking the appraisal clause. Representative example; outcomes vary by VIN, condition, and policy language in Hawaii.
Case details have been generalized to protect client privacy.