In this article, we’ll take a look at the different types of car insurance offered through Mercury Insurance, what to do when filing a claim with this insurance carrier, and how to maximize your compensation potential.
About Mercury Insurance
Mercury Insurance was founded in 1961 and offers comprehensive coverage for a variety of insurance needs. They also have a Special Investigations Unit (SIU) that works with federal and local law enforcement to prevent and eradicate scammers and fraud rings. Mercury has more than $5.9 billion in total assets, 9,400 independent insurance agents, and over 4,400 in-house employees. They serve several states throughout the nation, including Arizona, California, Florida, Nevada, Georgia, Illinois, New Jersey, Oklahoma, Texas, Virginia, and New York.
Mercury Insurance offers a number of different insurance products to their policyholders, including:
- Private passenger auto insurance
- Homeowner insurance
- Condo insurance
- Renters insurance
- Business auto insurance
- Mechanical protection
- Personal umbrella insurance
- Business insurance
Like many other insurance companies, Mercury Insurance’s primary objective is to remain profitable so they continue to bring in revenue and keep their shareholders happy. Unfortunately, this means that they may use less than honorable tactics to devalue insurance claims that come in. This means that even if you are eligible for a certain amount of compensation, Mercury’s insurance claims representatives may attempt to undermine this amount and payout a lesser settlement. This can result in you having to pay out-of-pocket for medical expenses and other fees and damages caused by the insured person’s negligence.
Types Of Car Insurance Coverage Offered Through Mercury Insurance
Mercury Insurance offers a number of different auto insurance coverage options for its policyholders. Understanding the different types of insurance coverage can help you better navigate the ins and outs of filing a claim with this insurance provider. The following are common auto insurance products available through Mercury:
Liability Protection
This type of coverage pays for damage caused to other drivers when a car accident is caused by the policyholder. There are two different categories that liability insurance covers: bodily injury liability and property damage liability. Liability protection will also cover attorney fees for the at-fault driver if they are sued.
Comprehensive Coverage
This type of coverage offers policyholders compensation if their vehicle is stolen, vandalized, damaged by objects or animals, or damaged in a fire or flood. Other events that are covered under comprehensive coverage include damage caused by hailstorms and windstorm damage.
Collision Protection
This type of coverage will pay for damages to a policyholder’s vehicle regardless of who was at fault for the collision. This coverage applies only to the policyholder’s vehicle. Policyholders must pay a deductible that ranges from $0 to $2,000 depending on the insurance plan.
Medical Payments Coverage
This type of coverage offers help to cover any medical expenses that are incurred as a result of an auto accident. Coverage may include injuries sustained by the policyholder or their passengers, dental injuries, funeral expenses, and injuries sustained as a pedestrian.
Personal Injury Protection (PIP)
Personal injury protection is a type of coverage that helps pay for the insured’s medical expenses and other costs related to an auto accident regardless of who was at fault for the accident.
Uninsured/Underinsured Motorists
This type of coverage offers compensation for bodily injuries to the insured or the insured’s passengers in the event that an accident is caused by an uninsured or underinsured driver.
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Filing An Auto Accident Claim With Mercury Insurance
Before filing a claim with Mercury Insurance, it’s best to speak with an experienced personal injury or auto accident attorney such as those at Florin|Roebig. Your attorney can guide you through the steps following your accident and let you know if filing a claim is the best option when it comes to seeking compensation from Mercury. If your attorney does advise you to file a claim, you can do so by calling Mercury Insurance’s claims and customer service department at (800) 503-3724. You’ll need several pieces of information when filing an auto claim with Mercury Insurance, including:
- The date, time, and location of the accident
- The police report number
- Description of the accident
- Description of the damage to the vehicles or property
- Description of any injuries
- The year, make, model, and color of all cars involved in the accident
- The license plate numbers of all cars involved in the accident
- How many passengers were in each vehicle
- The personal information for both parties involved in the accident
Once you’ve submitted a claim, a Mercury Insurance claims representative will contact you to take your statement. They will then begin an investigation into the accident to determine liability and compensation. Working with your attorney on what you say in your statement is imperative, as what you say can and will be used against you if your case goes to court.
How To Maximize The Compensation You’re Eligible For From Mercury Insurance
There are several steps you should take immediately following an accident to ensure you collect vital information relevant to filing a claim and getting the compensation you need and deserve. These steps include:
- Calling 911 to report the accident
- Getting a copy of the police report
- Taking photos of the damage to your vehicle
- Taking photos of any injuries you or your passengers sustained during the accident
- Exchanging information with all parties
- Getting the contact information of any witness of the accident
- Seeking medical treatment, even if you don’t believe you’ve been injured
- Keeping track of all medical expenses and other costs incurred as a direct result of the accident
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Working With Florin|Roebig For Your Auto Accident Claim Or Settlement
If you or a loved one has been injured in an auto accident caused by a driver who has Mercury Insurance, you don’t have to go up against the insurance company alone to get the compensation you need and deserve. The dedicated attorneys at Florin|Roebig will help you begin the process of filing an auto accident claim and negotiate on your behalf throughout the entire process. Call or chat with Florin|Roebig today for a free and confidential case evaluation.
