Kemper's Car Insurance's covers the major categories involved in automobile mishaps. Typical liability limits for Kemper Auto are $250,000 per person or $500,000 per incident, although increased liability limits are available. Repair or Replacement Plus coverage pays to repair or replace vehicle even though the cost may be more than vehicle is worth at the time of the accident. Most loss situations are covered, with the exception of fire, theft and larceny. More details can be found on the company's website.