A Comprehensive Guide to Mercury Car Insurance Claims
TABLE OF CONTENTS
After a car accident, your first thought, and indeed one of your first responsibilities, is to contact your insurance provider. The primary reason you pay for car insurance in the first place is so that if your car needs repairs, you can rely on financial help from a plan you have been paying into. However, receiving that promised compensation may not be as easy as you hope.
Whether you have Mercury or any other insurance provider, your experience after a wreck could be simple or frustratingly difficult. In some cases, they may even refuse to pay out your claim outright. Luckily, a car accident lawyer like us at Text Kevin Accident Attorneys can help you with every aspect of a claim, including fighting back if they try to deny you.
TABLE OF CONTENTS
Is Mercury a Good Car Insurance Company?
According to U.S. News and World Report, Mercury is not one of the highest-rated car insurance companies to choose. Available in only 11 states, including California, Mercury offers what you would generally expect, with special deals for bundling policies together. They are well known for their mobile app, making managing your policy easier than with some companies.
However, they do have a few glaring flaws beyond even the limited availability. USA Today lists a few cons to go with the pros:
- No new car forgiveness, vanishing deductible, or accident forgiveness
- Higher rates than average
- Low customer satisfaction ratings
They do offer a fair amount of roadside assistance and rideshare insurance options. If you are interested in bundling or want good coverage as a rideshare driver, they may be for you. However, you should be wary of their low customer satisfaction scores.
How Do I Contact Mercury Insurance in California?
Mercury is available to you 24/7, through a few different numbers each with their own purpose. You will have the phone number of your own agent for certain matters, located on your customer portal, proof of insurance, and bill. The other numbers include:
- Billing at (800) 503-3724.
- Claims at (800) 503-3724.
- Customer service at (800) 503-3724.
Mercury is also fairly well known for their app, making contacting the company easier than ever. You can handle most aspects of your insurance policy through your phone quickly and easily. The app is free and can be downloaded anytime from the Apple app store and Google Play.
Note
In many instances, you may want to consult with a car accident attorney like ours before you speak with your representative. It is always better to be careful.
How to File a Claim with Mercury?
After an accident, you will want to file your claim as soon as possible. With Mercury this can be done any time of day, either through their automated digital experience or by phone. Whichever you are more comfortable with, you will be guided along the same steps.
When you contact Mercury, you will be connected to one of their representatives, who will begin gathering information. If your car needs to be towed or you need a rental, they will assist you with this. When all information has been gathered and reviewed, your claim will be valued and paid or denied.
You do not have to give up even if your claim is denied or undervalued. A car accident attorney can help you with every aspect of the recovery process, including dealing with your insurance provider. With our help, we may be able to challenge their decision and get you the compensation you are truly due.
Pro Tip
Before you contact your provider, you should gather as much information as possible. The more evidence to support your claim you have, the more likely you are to succeed.
How Long Do You Have to Report an Accident to Mercury Insurance?
While there may not be a limit on when you can report an accident, it is best to do it as soon as you can. Your memory, and all evidence of the event, will fade with time. Filing your claim while all the information is still fresh is the best way to get an accurate assessment.
Waiting can also hurt your claim because the insurance company may try to assert that your injuries were not connected to the accident. In general, the longer you wait, the more muddy the entire situation may become. You are also preventing yourself from getting the financial relief you likely need to get your car repaired and keep your life on track.
Is Mercury Good at Paying Claims?
Opinions are mixed on whether or not Mercury is trustworthy when it comes time to pay off your claim. While reviews from across the internet tend to skew toward negative, sites like Bankrate rank them 3.8 out of 5 for auto insurance, higher than average. You may want to do your own research before trusting Mercury with your automobile insurance.
Even if they do not live up to your expectations, you should still pursue your claim. Especially if you have experienced a serious injury, you can rely on the help of a lawyer to challenge their decision and work to overturn it. We will do all we can to help you when your provider chooses profits over their own customers.
Tip
Do not accept your Mercury payment offer without your attorney reviewing it first. Many of those who claim Mercury mishandled their claim may have had a different experience with legal help.
How Long Does Mercury Take to Pay a Claim?
The speed at which you receive your payout depends largely on the details of your claim. The more complex the accident, the longer it may be before you receive the cash you are due. However, Mercury tends to pay your claim within thirty days of your report.
While most insurance companies will work to finish the claim process as quickly as possible, this is not always the case. One of the tactics used by dishonest providers is to drag their feet, wasting your time and avoiding having to pay for as long as possible. If you feel this is happening to you, contact a lawyer immediately.
How Much Does Mercury Pay for Bodily Injury?
Mercury does include liability car insurance in their package, meaning that if you cause damage to another person, they will cover a certain amount compensating them. For a bodily injury, they will cover up to $25,000 per injured person and $50,000 per accident. The California Department of Insurance requires that all insurers in the state cover up to $30,000.
If you choose to get personal injury protection in your insurance plan, they will cover your medical bills if you are injured in an accident. In a wrongful death, they will also cover the death expenses, such as funeral and burial. If you were injured due to someone’s carelessness, you may want to consider talking to a car accident attorney.
How Do I Dispute a Claim with Mercury?
Unfortunately, it is not uncommon for a claim to be denied, but you are not out of options. Trusting your personal injury attorney to help you dispute your claim is the best path forward, giving you a higher chase of success than if you went it alone. Generally, the process works like this:
- You review your denial with your lawyer to understand why they refused
- Gather as much evidence as you can to support your claim
- Contacting Mercury to argue your case and provide the gathered evidence
Even if this does not solve your problem, we have several more paths to fulfill your claim. We can file an appeal and, if necessary, take the case to arbitration. If all else fails, we can file a civil lawsuit against Mercury for acting in bad faith.
Frequently Asked Questions about Mercury Insurance
You can rely on your attorney to guide you through any part of your insurance policy, no matter how confusing or frustrating it becomes. As much as you would like to trust the company you chose for car insurance fully, you cannot always rely on their word. We have compiled a few of the most common questions here, but if you still need help, do not hesitate to reach out.
What is an insurance claim?
An insurance claim is the process by which you notify your insurance provider that you have been in an accident and need to tap into the money set aside for such an occasion. The accident will be investigated and your damage calculated, leading to a payout decided by your insurer. Ideally, this will cover your repairs and medical bills, or those of the other person if you caused the accident.
Can you file an insurance claim without a police report?
While you can sometimes file a claim without a police report, it is inadvisable to do so. A police report stands as one of the most reliable and objective records of your accident, making it invaluable in any claim. Without one, it is much more difficult to prove exactly what occurred and how.
Of course, regardless of your insurance claim, the CA Department of Motor Vehicles requires a police report if any injuries have occurred or if the damage exceeds $1,000. In any accident, you are much better off just calling the police and having a report filed on the spot. It will also help your car accident attorney, should their services be needed.
How soon can you file a claim after getting insurance?
You can file a claim as soon as your policy is in place. The only restriction is that the damage must have occurred after receiving the insurance plan, not before. If you sign the paper in the morning and get struck at noon, you are still in the clear.
Does insurance go up after a claim?
Your insurance rate will likely rise if you are at fault for the accident. Mercury may even choose to drop you if they find you a “risky driver”. However, the California Department of Insurance ensures that if you were not responsible for the wreck, your rates cannot rise.
Can insurance deny a claim?
Yes, your provider can deny your claim, and it is not even an uncommon occurrence. There may be policy exclusions, lack of evidence to support your claim, or you may just have a lapse in coverage. No matter the reason, you should discuss your denied claim with an attorney to potentially appeal their decision.
Does Mercury cover rental cars?
Yes, Mercury does offer rental car insurance coverage. You must already have collision or comprehensive coverage for your wrecked vehicle, and they will only cover your rental for up to 30 days.
Contact Our Car Accident Lawyers Today for Legal Help with Your Mercury Insurance Claim
Despite the necessity of a good car insurance plan, it can often be a headache to actually use your policy. Whether you have chosen Mercury or any other provider, your claim is sometimes bogged down or denied in ways that make recovery that much more difficult. However, you are not alone.
We at Text Kevin Accident Attorneys will do all we can to help you get the insurance payout you need to get your life back on track. Our countless satisfied customers are a testament to our dedication, whether you have been denied or simply undervalued. If you have been in an accident and need help with your insurance provider, do not hesitate to call or fill out our online contact form for a free consultation.
Kevin received both his bachelor’s degree and law degree from the University of California, Irvine. He is the managing partner of Text Kevin Accident Attorneys and is recognized as a standout in plaintiffs’ litigation for personal injury law by Best Lawyers, the oldest and most respected legal peer-review publisher. Kevin has written for several law magazines and is an award-winning car accident lawyer in California.
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