Infinity Insurance Company Claims: How the Process Works
Filing a claim with Infinity Insurance Company follows the same general framework as most auto insurers — but the details of how your claim gets handled depend on your policy, your state, the type of loss, and the circumstances of the incident. Here's what drivers typically need to know.
What Is Infinity Insurance?
Infinity Insurance Company is a subsidiary of Kemper Corporation and has historically focused on nonstandard auto insurance — coverage for drivers who may have difficulty qualifying for standard policies due to driving history, prior lapses in coverage, or other risk factors. It operates in a select number of states, so availability varies by location.
Understanding that context matters when filing a claim. Nonstandard insurers sometimes have different claims processes, network relationships, and policy structures than major national carriers. Knowing what type of policy you hold — and what it covers — shapes everything that follows.
Types of Claims You Can File
Auto insurance claims generally fall into a few categories:
- Liability claims — When you're at fault and someone else is seeking compensation for injuries or vehicle damage
- Collision claims — Damage to your own vehicle from an accident, regardless of fault
- Comprehensive claims — Non-collision losses like theft, vandalism, weather damage, or hitting an animal
- Uninsured/underinsured motorist claims — When the at-fault driver has no coverage or insufficient coverage
- Medical payments or PIP claims — For injury-related costs, depending on your state and policy
Not every policy includes all of these. What you can claim depends entirely on the coverages you purchased. A basic liability-only policy won't cover your own vehicle damage, for example.
How to File an Infinity Insurance Claim
The general steps for filing a claim are consistent across most insurers:
- Report the incident promptly. Most policies require you to notify your insurer within a reasonable time after a loss. Delays can complicate or jeopardize a claim.
- Provide basic information. Date, time, location, description of what happened, other parties involved, and any police report numbers.
- Document the damage. Photos and written descriptions of vehicle damage, injuries, or stolen property are standard supporting evidence.
- Cooperate with the adjuster. An insurance adjuster — either in-person or virtual — will assess the damage and determine the value of the claim.
- Review the settlement offer. The insurer will make a payment offer based on their assessment. You have the right to dispute it if you believe it's inaccurate.
Infinity accepts claims by phone and, depending on your state and policy, may offer online or app-based reporting options. Check your policy documents or declarations page for the correct contact number and process.
What Happens After You File 📋
Once a claim is submitted, the insurer assigns an adjuster who investigates the loss. For vehicle damage claims, this typically involves:
- An inspection of the vehicle — either at a repair shop, at your location, or through photos you submit
- A repair estimate based on labor rates, parts costs, and prevailing rates in your area
- A determination of fault, if applicable, which may involve reviewing police reports, statements, and photos
If your vehicle is deemed a total loss — meaning the cost to repair exceeds a threshold relative to the vehicle's actual cash value — the insurer pays out the ACV rather than covering repairs. That threshold varies by state.
Repair timelines, payment methods, and rental car reimbursement (if included in your policy) all vary by situation and coverage.
Factors That Affect How Your Claim Gets Resolved
No two claims follow the exact same path. Several variables shape the outcome:
| Factor | Why It Matters |
|---|---|
| Your state | Fault rules (at-fault vs. no-fault), minimum coverage laws, and claim regulations differ by state |
| Your specific coverages | What you can claim depends on what you purchased |
| Fault determination | Affects which policy pays and how much |
| Vehicle age and condition | Influences actual cash value and total-loss decisions |
| Repair shop selection | Some insurers have preferred networks; others allow free choice |
| Documentation quality | Stronger documentation generally supports faster resolution |
Disputing a Claim Decision
If you disagree with how Infinity handles your claim — the settlement amount, a denial, or the repair assessment — you have options:
- Request a re-inspection or second estimate
- File a complaint with your state's department of insurance, which regulates insurer conduct
- Invoke the appraisal process, if your policy includes one, for disputed vehicle valuations
- Consult your state's insurance commissioner website for your rights as a policyholder
State insurance regulators have authority over how claims must be handled, what timelines insurers must follow, and what constitutes bad faith. Those rules differ meaningfully from state to state. 🗺️
What Varies Most by State and Situation
States with no-fault insurance systems — like Florida, Michigan, and New York — require drivers to file injury claims with their own insurer first, regardless of fault. At-fault states work differently. Some states have comparative negligence rules that can reduce your payout if you're partially at fault.
Infinity's availability itself is limited to certain states, which means the claims experience, adjuster response times, and available repair networks will differ based on where you live and what market the insurer actively operates in.
The specific terms of your policy — your deductibles, coverage limits, exclusions, and endorsements — are ultimately what determines what your claim is worth and how it gets paid. Two drivers in the same accident with the same insurer can have very different outcomes based solely on the policies they chose. ⚠️