Mercury General Corp (MCY)

Mercury Insurance Shares Steps Homeowners Can Take to Prepare for Power Outages Before the Lights Go OutJune 11, 2026 9:06 AM
PR Newswire (US) Americans lose hours of power each year. Mercury shares steps homeowners can take before the next outage.LOS ANGELES, June 11, 2026 /PRNewswire/ -- Mercury Insurance (NYSE/NYSE TX: MCY) is encouraging homeowners to prepare now for potential power outages as summer heat, severe weather and increased strain on the electrical grid continue to challenge communities across the country. While many outages last only a few hours, longer disruptions can damage appliances, spoil food, interrupt communications and create safety hazards inside and outside the home.According to the latest data from the U.S. Energy Information Administration, the average American electricity customer experiences more than seven hours of power interruptions annually, excluding major catastrophic events. Weather-related incidents remain the leading cause of large-scale outages, with storms, extreme heat, wildfires and high winds contributing to disruptions that affect millions of households each year."Power outages are often viewed as an inconvenience, but they can quickly become a safety and property protection issue," said Adam Bakonis, Homeowners Product Manager at Mercury Insurance. "A little preparation before an outage occurs can help homeowners protect their families, avoid unnecessary expenses and recover more quickly when the power returns."Five Ways Homeowners Can Prepare for a Power Outage1. Build a Basic Emergency Kit
Every household should have flashlights, extra batteries, a first-aid kit, bottled water, nonperishable food and a battery-powered or hand-crank radio readily available. Avoid relying on candles, which can increase fire risk during an outage.2. Protect Refrigerated and Frozen Food
The U.S. Food and Drug Administration (FDA) advises keeping refrigerator and freezer doors closed during an outage whenever possible. A full freezer can generally keep food safe for about 48 hours if unopened, while a refrigerator may keep food cold for approximately four hours.3. Safeguard Electronics and Appliances
Power surges can occur when electricity is restored. Homeowners should consider using surge protectors for valuable electronics and unplugging sensitive equipment during extended outages to help prevent damage.4. Plan for Medical and Communication Needs
Families should identify backup charging options for mobile devices and ensure anyone who relies on electrically powered medical equipment has an emergency plan in place. Portable battery packs can provide an additional layer of preparedness.5. Know Your Home's Vulnerabilities
Power outages can affect sump pumps, garage doors, security systems and smart home devices. Homeowners should understand which systems may be impacted and consider backup solutions where appropriate.Extreme Weather Continues to Drive Outage RiskWeather-related power interruptions have become more common as communities face increasingly severe storms, extreme temperatures and wildfire threats. Utility providers across the country continue to invest in grid upgrades, but homeowners remain an important part of the preparedness equation."Preparedness is one of the most effective ways to reduce the disruption caused by an outage," Bakonis said. "Understanding your risks and taking a few preventive steps today can make a significant difference when the unexpected happens."For more information about protecting your home and preparing for unexpected events, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. View original content to download multimedia:https://www.prnewswire.com/news-releases/mercury-insurance-shares-steps-homeowners-can-take-to-prepare-for-power-outages-before-the-lights-go-out-302797591.htmlSOURCE Mercury Insurance Services, LLC Original: Mercury Insurance Shares Steps Homeowners Can Take to Prepare for Power Outages Before the Lights Go Out

The Top 5 Car Maintenance Mistakes That Could Cost Drivers More Than They ThinkJune 9, 2026 9:06 AM
PR Newswire (US) Mercury Insurance Shares the Most Common Maintenance Oversights That Can Lead to Costly Repairs, Summer Breakdowns and Preventable ClaimsLOS ANGELES, June 9, 2026 /PRNewswire/ -- As summer driving season approaches, Mercury Insurance (NYSE: MCY) (NYSE TX: MCY) is encouraging motorists to avoid these five common vehicle maintenance mistakes that can increase the risk of breakdowns, costly repairs and preventable accidents. From ignoring dashboard warning lights to skipping routine tire checks, small oversights can quickly become expensive problems when temperatures rise, and road trip miles add up.Vehicle maintenance remains one of the simplest ways drivers can help protect themselves, their passengers and their wallets. According to the National Highway Traffic Safety Administration (NHTSA), proper maintenance helps improve vehicle safety and reliability while reducing the likelihood of roadside emergencies."Many vehicle problems start small and become much more expensive when they're ignored," said Justin Yoshizawa, Product Management Director, at Mercury Insurance. "Routine maintenance helps drivers catch issues before they turn into major repairs, and it can make a meaningful difference in both safety and long-term ownership costs."To help drivers prepare for a busy summer travel season, Mercury identified five common maintenance mistakes that can lead to avoidable expenses and headaches on the road.1. Ignoring Dashboard Warning LightsDashboard warning lights are designed to provide early notice when something needs attention. Yet many drivers continue operating their vehicles for weeks or even months after a warning light appears.Whether it's a check engine light, oil pressure warning, battery indicator or brake system alert, these warnings often signal problems that can become more serious and expensive if left unaddressed.Mercury Tip: Don't assume a warning light will go away on its own. Consult your owner's manual and have the issue diagnosed as soon as possible.2. Skipping Tire Pressure ChecksTires play a critical role in vehicle handling, braking performance and fuel efficiency, but they are often overlooked until a problem occurs.Underinflated tires can wear more quickly, reduce fuel economy and increase the risk of tire-related failures. Tire pressure can fluctuate throughout the year due to changing temperatures, making regular checks especially important as summer heat arrives.Mercury Tip: Check tire pressure at least once a month and before any long-distance trip. Be sure to use the pressure recommendations listed on the driver's side door jamb or in the owner's manual.3. Delaying Scheduled MaintenanceOil changes, fluid inspections, brake service and battery checks are easy to postpone when a vehicle appears to be running normally. Unfortunately, deferred maintenance is one of the leading causes of preventable mechanical problems.Manufacturer-recommended maintenance schedules are designed to address wear-and-tear items before they fail. Skipping routine service can shorten vehicle life and increase the likelihood of more costly repairs later.Mercury Tip: Follow the maintenance intervals recommended by your vehicle manufacturer, not just when something seems wrong.4. Waiting Until a Road Trip to Address ProblemsMany drivers don't think about vehicle maintenance until they're preparing for a vacation or long weekend getaway. By then, there may not be enough time to identify and resolve issues before hitting the road.Summer travel places added demands on tires, batteries, cooling systems and other vehicle components. Problems that seem minor during everyday driving can quickly become major inconveniences hundreds of miles from home.Mercury Tip: Schedule a vehicle inspection several weeks before a major trip to allow time for any necessary repairs or maintenance.5. Viewing Maintenance as a Cost Instead of ProtectionOne of the biggest maintenance mistakes isn't mechanical at all. It's the belief that routine maintenance can be postponed to save money.While delaying service may provide short-term savings, it often increases the risk of larger repair bills later. Preventive maintenance helps protect a vehicle's reliability, performance and resale value while reducing the likelihood of unexpected breakdowns.Mercury Tip: Think of maintenance as protecting your investment. A small service bill today can help prevent a much larger repair bill tomorrow.Preparation Pays OffAs summer travel ramps up across the country, Mercury encourages drivers to make vehicle maintenance part of their seasonal preparation checklist."Most drivers depend on their vehicles every day, but it's easy to overlook maintenance until something goes wrong," Yoshizawa said. "A little attention now can help drivers avoid unnecessary expenses, reduce the risk of breakdowns and travel with greater confidence throughout the summer."For more driving safety tips and insurance resources, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. View original content to download multimedia:https://www.prnewswire.com/news-releases/the-top-5-car-maintenance-mistakes-that-could-cost-drivers-more-than-they-think-302794953.htmlSOURCE Mercury Insurance Original: The Top 5 Car Maintenance Mistakes That Could Cost Drivers More Than They Think

Mercury Insurance Named Best Automobile Insurance Provider by Newsweek ReadersJune 4, 2026 9:06 AM
PR Newswire (US) Additional honors from Kiplinger and USA TODAY underscores Mercury's growing national momentum with consumersLOS ANGELES, June 4, 2026 /PRNewswire/ -- Mercury Insurance (NYSE: MCY) (NYSE TX: MCY) has been named the Best Automobile Insurance Provider in the Newsweek Readers' Choice Awards, a consumer-driven recognition that highlights the company's continued focus on delivering trusted coverage, competitive rates and award-winning customer service at a time when consumers are paying closer attention than ever to value and reliability. The honor comes as Mercury continues to build a national reputation for combining affordability with a customer-first approach, helping policyholders maintain coverage, navigate risk and protect what matters most, even as many insurers pull back from challenging markets. "Earning the top spot as Best Automobile Insurance Provider in the Newsweek Readers' Choice Awards is an incredible honor for Mercury, because this recognition is driven by consumers," said Gabriel Tirador, Mercury Insurance CEO. "We've always believed that doing the right thing for customers matters, and this recognition reflects the dedication of our employees and independent agents who bring this commitment to life every day."Mercury was also recently recognized in the 2026 Kiplinger Readers' Choice Awards, earning "Outstanding for Competitive Rates" honors in both Auto Insurance and Homeowners Insurance, reinforcing Mercury's reputation for delivering strong value without compromising service. The annual survey highlights financial services brands that stand out in areas important to consumers, including value, customer experience and recommendation likelihood.In addition, Mercury was recognized in USA TODAY's Brands Most Trusted by Parents 2026, a consumer sentiment study conducted in partnership with Plant-A Insights Group that evaluated brands based on trust, credibility and reliability among parents.Together, the recognitions highlight Mercury's continued ability to earn consumer trust through accessible coverage, strong value and dependable support when it matters most.For more than 60 years, Mercury has focused on helping customers navigate life's unexpected moments with affordable coverage, personalized support and practical resources designed to protect what matters most. For more information about Mercury Insurance and practical tips to help consumers make smarter insurance decisions, check out the Mercury Resource Center.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.  View original content to download multimedia:https://www.prnewswire.com/news-releases/mercury-insurance-named-best-automobile-insurance-provider-by-newsweek-readers-302791336.htmlSOURCE Mercury Insurance Original: Mercury Insurance Named Best Automobile Insurance Provider by Newsweek Readers

Summer Road Trips Are Back. Mercury Shares Safety Tips Drivers Should Know Before Hitting the RoadJune 2, 2026 9:06 AM
PR Newswire (US) From tire pressure to warning lights, small checks can make a big difference before a road tripLOS ANGELES, June 2, 2026 /PRNewswire/ -- With summer just around the corner, families across the country are preparing for road trips, vacations and weekend getaways. Before loading up the car and heading out, Mercury Insurance (NYSE/NYSE TX: MCY) is encouraging drivers to make sure their vehicles are ready for the demands of summer travel.Long drives, high temperatures, and increased traffic can put extra strain on vehicles. Taking simple preventive steps before a trip can help reduce the risk of breakdowns, improve safety, and make for a smoother journey."Many of the problems that leave drivers stranded during the summer are preventable," said Justin Yoshizawa, Director of Product Management, at Mercury Insurance. "A quick inspection before you leave can help identify issues early and give you greater confidence that your vehicle is ready for the miles ahead."Five Road Trip Readiness Checks Drivers Should Make Before Leaving1. Check Tire Pressure and Tire ConditionTires play a critical role in vehicle safety, especially during summer travel. Underinflated tires can overheat, wear unevenly, and increase the risk of a blowout.Drivers should:Check tire pressure when tires are coldInflate tires to the vehicle manufacturer's recommended pressureInspect tread depth and look for signs of uneven wearDon't forget to check the spare tireProperly inflated tires can also improve fuel efficiency and vehicle handling.2. Pay Attention to Dashboard Warning LightsThat warning light you've been ignoring around town can become a bigger problem hundreds of miles from home.Before a road trip, drivers should address any illuminated warning lights, particularly those related to:Engine performanceBraking systemsBattery healthTire pressure monitoring systemsCooling systemsA quick visit to a trusted repair shop can help identify potential issues before they become costly roadside problems.3. Test the Battery and Cooling SystemSummer heat can be especially hard on batteries and engines.Drivers should consider:Having older batteries testedChecking coolant levelsLooking for signs of leaksEnsuring the air conditioning system is functioning properlyOverheating remains one of the most common causes of summer breakdowns, particularly during long-distance travel.4. Pack an Emergency KitEven well-maintained vehicles can experience unexpected issues.A basic roadside kit should include:WaterFlashlightPhone chargerFirst-aid suppliesJumper cablesBasic toolsEmergency contact informationFamilies traveling with children should also pack extra snacks, medications, and weather-appropriate supplies.5. Plan for the Journey, Not Just the DestinationSummer roads are often more crowded due to vacation travel, construction projects, and holiday traffic.Drivers can improve safety by:Mapping routes in advanceAllowing extra travel timeTaking regular breaks to avoid fatigueSharing driving responsibilities when possibleMonitoring weather conditions before departureSummer Travel Starts with PreparationAccording to the U.S. National Highway Traffic Safety Administration (NHTSA), drivers should inspect tires, batteries, fluid levels, belts and hoses before extended summer travel, as high temperatures can place additional stress on vehicle systems and increase the risk of breakdowns. "Road trips create some of our best summer memories," Yoshizawa said. "Taking a little time to prepare your vehicle before you leave can help keep the focus on the adventure instead of dealing with avoidable problems along the way."For more driving safety tips and insurance resources, visit Mercury Insurance's newsroom and consumer resource center.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. View original content to download multimedia:https://www.prnewswire.com/news-releases/summer-road-trips-are-back-mercury-shares-safety-tips-drivers-should-know-before-hitting-the-road-302788256.htmlSOURCE Mercury Insurance Original: Summer Road Trips Are Back. Mercury Shares Safety Tips Drivers Should Know Before Hitting the Road

Beautiful and Fire-Smart: How Firescaping Can Help Reduce Wildfire Risk Around the HomeMay 28, 2026 9:06 AM
PR Newswire (US) During Wildfire Preparedness Month, Mercury Insurance shares practical landscaping strategies that can help homeowners create more resilient outdoor spacesLOS ANGELES, May 28, 2026 /PRNewswire/ -- As communities across wildfire-prone regions continue preparing for another active fire season, Mercury Insurance (NYSE/NYSE TX: MCY) is encouraging homeowners to rethink traditional landscaping through the growing practice of "firescaping," a wildfire-conscious approach to yard design that can help reduce ignition risk while maintaining curb appeal.Research from the Insurance Institute for Business & Home Safety (IBHS), CAL FIRE, and wildfire safety experts continues to show that a home's immediate surroundings can play a major role in whether it survives a wildfire. Embers, which can travel miles ahead of an active fire, are one of the leading causes of home ignitions and often ignite dry vegetation, combustible mulch, fencing, and debris surrounding a structure."Many homeowners think wildfire mitigation means removing everything from their yard, but firescaping is really about making smarter choices around how outdoor spaces are designed and maintained," said Holly Sacks, Director, Portfolio Underwriting and CAT Management at Mercury Insurance. "Small landscaping changes can help reduce opportunities for embers to ignite around the home while still creating an attractive and enjoyable outdoor environment."IBHS and CAL FIRE guidance emphasize the importance of reducing combustible materials closest to the home, particularly within the first five feet surrounding a structure, often referred to as "Zone 0." This area is considered critical because embers frequently accumulate near foundations, vents, fences, decks, and landscaping features during wildfire events.To help homeowners create more fire-conscious landscapes, Mercury Insurance recommends several firescaping strategies supported by wildfire preparedness experts:Create a noncombustible zone closest to the homeCAL FIRE recommends minimizing combustible materials within the first five feet around a structure. Gravel, stone, pavers, and concrete surfaces can help reduce ignition opportunities compared to bark, wood mulch, or dry vegetation.Choose plants carefullyWhile no plant is completely fireproof, IBHS and wildfire experts recommend selecting plants with higher moisture content and lower levels of oils or resins. Proper spacing and ongoing maintenance are equally important.Reduce fuel continuity in landscapingDense clusters of shrubs and vegetation can allow fire to spread more easily across a property. Spacing plants apart and avoiding continuous rows of vegetation can help slow fire movement.Eliminate ladder fuelsShrubs, brush, and lower tree branches can create pathways that allow ground fires to climb into trees and spread more rapidly. Trimming lower branches and maintaining vertical spacing between plants can help reduce this risk.Use hardscaping to create natural breaksStone walkways, retaining walls, patios, and gravel paths can serve as attractive design features while also helping interrupt the spread of fire across a property.Keep outdoor areas maintained year-roundLeaves, pine needles, dead vegetation, and debris should be removed regularly from gutters, under decks, and around landscaping features where embers may collect.According to IBHS research, homes located in the same neighborhood can experience dramatically different outcomes during a wildfire depending on surrounding conditions, maintenance, and mitigation efforts."Preparedness does not have to come at the expense of curb appeal," Sacks added. "Firescaping is about creating a safer, more resilient property while still maintaining outdoor spaces homeowners can enjoy."For more wildfire preparedness information and safety resources, visit [Mercury resource link].About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.  View original content to download multimedia:https://www.prnewswire.com/news-releases/beautiful-and-fire-smart-how-firescaping-can-help-reduce-wildfire-risk-around-the-home-302784364.htmlSOURCE Mercury Insurance Services, LLC Original: Beautiful and Fire-Smart: How Firescaping Can Help Reduce Wildfire Risk Around the Home

As Many Young Adults Enter Adulthood Unprepared for Financial Decisions, Mercury Insurance Shares Guidance for New GradsMay 26, 2026 9:06 AM
PR Newswire (US) Experts say major life changes like new apartments, jobs, and commutes can create unexpected coverage gapsLOS ANGELES, May 26, 2026 /PRNewswire/ -- As millions of college graduates prepare for new jobs, first apartments, and greater financial independence, Mercury Insurance (NYSE/NYSE TX: MCY) is encouraging young adults to review their insurance coverage and financial protections before beginning their next chapter.According to the National Association of Insurance Commissioners, only about one-quarter of Gen Z adults can correctly define basic insurance terms such as "deductible" and "copay." At the same time, roughly 45% of U.S. renters do not carry renters insurance, despite many owning thousands of dollars in personal belongings."Graduation is one of the first times many young adults are making major financial decisions on their own," said Justin Yoshizawa, Senior Product Manager at Mercury Insurance. "Moving into a first apartment, relocating for work, or starting a longer commute can all impact insurance needs. Understanding a few basic coverage considerations early can help graduates avoid costly mistakes later."Mercury Insurance says these are some of the most important insurance and financial protection topics new graduates should understand:Your landlord's insurance does not cover your belongingsMany first-time renters mistakenly believe the property owner's insurance protects their electronics, furniture, clothing, and valuables, when it typically only covers the building itself.Roommates may need separate renters insurance policiesSharing an apartment can create confusion around liability and personal property coverage, making it important for roommates to understand what is and is not covered under each policy.Moving or relocating can affect auto insurance coverage and ratesA new city, state, garaging address, or daily commute can all influence insurance requirements, premiums, and risk exposure.Longer commutes can increase accident exposureStarting a first full-time job often means spending more time on congested roads, increasing the likelihood of accidents and making it important to review coverage limits and roadside assistance options.Gig work and delivery driving may require additional coverageUsing a personal vehicle for rideshare, food delivery, or other side jobs may create coverage gaps if drivers do not have the appropriate protection in place.Updating insurance documents and digital inventories can simplify recovery after a lossKeeping photos of valuables, copies of important documents, and updated policy information can make the claims process significantly easier after theft, fire, or other unexpected events."Insurance is not just about checking a box," Yoshizawa said. "It is about protecting the life you are starting to build. The earlier graduates understand how coverage works, the more confident and financially prepared they can be moving forward."For more insurance tips and educational resources, visit the Mercury Insurance Resources Center.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. View original content to download multimedia:https://www.prnewswire.com/news-releases/as-many-young-adults-enter-adulthood-unprepared-for-financial-decisions-mercury-insurance-shares-guidance-for-new-grads-302781288.htmlSOURCE Mercury Insurance Services, LLC Original: As Many Young Adults Enter Adulthood Unprepared for Financial Decisions, Mercury Insurance Shares Guidance for New Grads

Embers, Not Flames: Why Many Homes Ignite During WildfiresMay 21, 2026 9:06 AM
PR Newswire (US) Mercury Insurance shares practical steps homeowners can take during Wildfire Preparedness Month to reduce one of the most overlooked wildfire risksLOS ANGELES, May 21, 2026 /PRNewswire/ -- As communities across the country recognize Wildfire Preparedness Month, Mercury Insurance (NYSE/NYSE TX: MCY) is encouraging homeowners to focus on one of the leading causes of home ignition during wildfires: wind-driven embers. According to research from the Insurance Institute for Business & Home Safety (IBHS) and CAL FIRE, embers can travel miles ahead of an active wildfire, landing on roofs, vents, decks, and other vulnerable areas long before flames ever reach a structure.These small burning particles are responsible for many home ignitions during wildfire events, particularly in dry and windy conditions where embers can accumulate in overlooked spaces around a property."Many homeowners picture a large wall of flames reaching their home, but embers are often the real threat," said Holly Sacks, Director, Portfolio Underwriting and CAT Management at Mercury Insurance. "A single ember landing in the wrong place can ignite dry debris, enter an uncovered vent, or start a fire on or around the home. The good news is that relatively small maintenance and preparation steps can make a meaningful difference."Research from IBHS shows that homes are especially vulnerable when embers collect in areas where combustible materials are present. CAL FIRE guidance similarly emphasizes the importance of reducing ignition opportunities around structures, particularly within the first five feet surrounding a home.To help homeowners reduce risk, Mercury Insurance recommends focusing on several key areas identified by wildfire safety experts:Clean roofs and gutters regularlyLeaves, pine needles, and debris in gutters or on roofs can ignite easily when embers land. Keeping these areas clear helps reduce one of the most common ignition points.Pay attention to the first five feet around the homeIBHS and CAL FIRE both stress the importance of maintaining a noncombustible zone closest to the structure. Gravel, concrete, or stone surfaces are safer choices than mulch or dry vegetation directly against the home.If you opt for vegetation in this zone, it should be well maintained. Make sure you keep it hydrated, regularly pruned and dead material should not be allowed to accumulate anywhere within this zone.Inspect vents and openingsEmbers can enter attics and crawl spaces through vents. Installing ember-resistant vent covers can help reduce exposure.Remove combustible materials from under decks and around fencesStored items, dry vegetation, and wooden fencing attached directly to the home can create pathways for fire spread.Prepare outdoor furniture and cushionsPatio cushions, doormats, and other combustible outdoor items should be brought inside or moved away from the home when wildfire conditions increase.IBHS research has found that a home's immediate surroundings often play a major role in whether it survives a wildfire. Even homes located in the same neighborhood can experience very different outcomes depending on maintenance, materials, and defensible space conditions."Preparedness does not have to be overwhelming," Sacks added. "Many of the most effective steps are simple and manageable. The goal is to reduce opportunities for embers to ignite your home before a wildfire ever gets close."For more wildfire preparedness information and safety resources, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.  View original content to download multimedia:https://www.prnewswire.com/news-releases/embers-not-flames-why-many-homes-ignite-during-wildfires-302778811.htmlSOURCE Mercury Insurance Original: Embers, Not Flames: Why Many Homes Ignite During Wildfires

America's Most Dangerous Driving Window Starts at 3pm - and Gets Worse an Hour LaterMay 19, 2026 9:06 AM
PR Newswire (US) Mercury Insurance's analysis of five years of claims data found crash volume peaks at 3pm, but serious injuries rise later as traffic speeds increaseLOS ANGELES, May 19, 2026 /PRNewswire/ -- For the first time in its more than 60-year history, Mercury Insurance (NYSE/NYSE TX: MCY) analyzed proprietary claims data to identify the most dangerous moments on America's roads – and the results challenge a common assumption about rush hour driving.While crash volume peaks between 3:00 and 3:10pm, the risk of injury rises even higher about an hour later, between 4:00 and 4:10pm., when traffic begins moving faster and collisions become more severe. Over a five-year period, more than 61,000 people were involved in crashes during the busiest 10-minute weekday window alone."Rush hour doesn't play out the same way from start to finish, and that shows up clearly in the claims data," said Heather Paull, Manager, Divisional Claims at Mercury Insurance. "Earlier in the afternoon, there's more congestion with school pick-ups and people getting on the road, so you see more low-speed, stop-and-go incidents. As the drive goes on, traffic starts to move more freely, and drivers tend to pick up speed or get a little less attentive. That's when the crashes we see tend to be more serious."The commute changes – and so does the risk.The data points to a consistent weekday pattern driven by school schedules and work commutes:3:00 to 3:10 p.m. marks the highest crash volume of the day4:00 to 4:10 p.m. marks the highest injury rate, despite fewer crashesCrash volume concentrates between 3:00 and 4:00 p.m.Injury severity increases between 4:00 and 5:00 p.m.Weekends shift the risk earlierOn weekends, both crash volume and injury risk shift earlier, peaking around 12:00 to 12:10 p.m. as midday errands and leisure travel replace structured commutes.During this window, approximately 19,000 people were involved in crashes, with about 9 percent sustaining injuries. While slightly lower than weekday peaks, the concentration of activity still creates a clear midday risk spike.More crashes doesn't always mean more dangerFor drivers and passengers, injury rates remain relatively consistent throughout the day, generally ranging from 9 to 12 percent. Time of day primarily affects exposure, not the likelihood of injury in a single crash.Pedestrians face a different level of risk:Injury rates frequently exceed 60 percent and can reach 80 percent or higherRisk is highest during lunchtime, commutes, and mid-afternoon hoursEven lower-volume incidents often result in serious outcomesA consistent pattern across regionsAcross major urban and commuter-heavy areas, the same pattern emerges. Crash volume peaks around 3:00 p.m., followed by higher injury severity in the 4:00 to 5:00 p.m. window.Some regions see heavier crash volume around noon but still experience more severe injuries later in the afternoon, likely driven by higher speeds and fatigue.The pattern repeats almost every dayCrash risk is not random. It follows a consistent daily rhythm:Weekdays are driven by school pick-up and the transition into the evening commuteWeekends are shaped by midday travel and condensed activity windowsInjury severity lags behind peak traffic volume"Drivers often assume the risk stays the same throughout the commute, but the data shows the road environment changes hour by hour," added Paull. Around 3 to 4 p.m., it comes down to patience, keeping space, and avoiding distractions. Later in the commute, keeping your speed in check and staying alert becomes more important as traffic starts moving faster. Knowing that shift is coming can help drivers stay more intentional behind the wheel and make better decisions in the moment."Mercury Insurance encourages drivers to treat the afternoon commute as a changing risk environment by reducing distractions, maintaining safe following distances, and adjusting driving behavior as traffic patterns evolve throughout the day.For more information about driver safety, visit the Mercury Insurance Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. View original content to download multimedia:https://www.prnewswire.com/news-releases/americas-most-dangerous-driving-window-starts-at-3pm--and-gets-worse-an-hour-later-302776116.htmlSOURCE Mercury Insurance Original: America's Most Dangerous Driving Window Starts at 3pm - and Gets Worse an Hour Later

Mercury Insurance Announces Strategic Investment in BurnBot to Advance Wildfire Mitigation and Make Insurance More Affordable and AvailableMay 12, 2026 9:06 AM
PR Newswire (US) Partnership aims to reduce wildfire risk, strengthen community resilience, and help keep more homeowners insuredLOS ANGELES, May 12, 2026 /PRNewswire/ -- Mercury Insurance (NYSE: MCY) today announced a strategic investment in BurnBot, a wildfire mitigation technology company. The investment reflects the Company's proactive approach to reducing wildfire risk before it turns into loss and is part of Mercury's broader effort to strengthen community resilience and support long-term insurance availability and affordability in wildfire-prone regions, particularly in California. As insurers, communities, and policymakers continue to grapple with the challenges of obtaining affordable home insurance in wildfire risk areas, Mercury is leaning into solutions that can reduce risk. The Company is pairing real-world mitigation with new ways of thinking about how to better respond to a dynamic environment with increasing uncertainty.BurnBot develops and operates robotic, data-driven systems designed to carry out hazardous fuels reduction and vegetation management at scale. The company works with public agencies, utilities, and communities to reduce wildfire risk across the wildland-urban interface.Through this investment and partnership, Mercury and BurnBot will explore risk reduction strategies for communities facing wildfire risk with the goal of helping them become safer and more insurable over time."Wildfire risk is a major concern for many communities and addressing it requires more than traditional approaches." said Victor Joseph, President and Chief Operating Officer of Mercury Insurance. "Insurers have a responsibility to support mitigation and resilience initiatives. Working with BurnBot, we are increasing our understanding of how on-the-ground risk reduction translates into expanded insurance availability and improved affordability for homeowners and communities.""Mercury's leadership in leaning into mitigation is important for the future of wildfire insurance in California and beyond," said Anukool Lakhina, CEO of BurnBot. "We are excited to support Mercury in building practical pathways that connect real-world risk reduction with insurance outcomes."The partnership will initially focus on California, where BurnBot's mitigation efforts are already underway, with the potential to expand over time based on results and learnings.About Mercury Insurance
Mercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on Instagram or Facebook.About BurnBot
BurnBot is a wildfire mitigation technology company that develops and operates robotic, data-driven systems for hazardous fuels reduction and vegetation management. BurnBot partners with agencies, utilities, and communities to reduce wildfire risk and improve wildfire resilience. View original content to download multimedia:https://www.prnewswire.com/news-releases/mercury-insurance-announces-strategic-investment-in-burnbot-to-advance-wildfire-mitigation-and-make-insurance-more-affordable-and-available-302769251.htmlSOURCE Mercury Insurance Original: Mercury Insurance Announces Strategic Investment in BurnBot to Advance Wildfire Mitigation and Make Insurance More Affordable and Available

Mercury Insurance and Olympus Insurance Partner to Expand Auto and Home Bundling in Florida and Unlock New SavingsMay 7, 2026 9:06 AM
PR Newswire (US) Joint program delivers meaningful savings and expanded coverage options while equipping independent agents with more ways to serve their customersLOS ANGELES, May 7, 2026 /PRNewswire/ -- Mercury Insurance (NYSE: MCY) and Olympus Insurance today announced a new partnership designed to expand access to bundled auto and homeowners insurance for customers across Florida, while equipping independent agents with more ways to deliver those solutions. Launching statewide today, the joint offering brings together Mercury's strength in auto insurance with Olympus' Florida-focused homeowners coverage to create a more convenient and comprehensive insurance solution, while giving agents additional tools to better serve their clients.Through the program, agents can offer Mercury auto insurance alongside qualifying Olympus homeowners coverage, creating a straightforward path to bundled protection and available discounts. Eligible customers may qualify for savings, including 10% off Mercury auto policies and 10% off eligible Olympus homeowners policies."This partnership reflects our deep commitment to growing in Florida and investing in the agents who are growing with us," said Nick Colby, Chief Sales Officer at Mercury Insurance. "We're making it easier for agents to deliver more value to their customers through bundled coverage, helping them access meaningful savings while ensuring they have the protection they need."Florida remains one of the nation's most dynamic insurance markets, with continued demand for reliable, competitively priced coverage. This partnership expands bundled options available through independent agents, allowing more Floridians to benefit from simplified purchasing, coordinated coverage, and increased convenience."This collaboration unites two established insurers with a shared commitment to service, financial strength, and agent partnerships," said Adam Cordonnier, Vice President of Revenue and Growth at Olympus Insurance. "By pairing Mercury's auto expertise with our homeowners products tailored specifically for Florida, we're delivering more complete protection with fewer gaps and greater overall value for consumers."Participating agents will receive ongoing training, resources, and support to help ensure a seamless customer experience and increase awareness of bundled coverage opportunities.For agents, the partnership offers a clear opportunity to:Provide customers with more complete auto and home insurance solutionsSimplify access to bundled policies and eligible discountsStrengthen customer relationships through enhanced protection and valueFor agencies interested in an appointment, please visit the Mercury Insurance Agent Onboarding Portal.About Olympus Insurance Company
Olympus Insurance Company has been a trusted provider of residential property insurance for Florida homeowners since 2007. Specializing in coverage for homes, condos, rental properties, and personal property, Olympus is built on a foundation of disciplined underwriting, strong capital management, and best in class service. The company partners with an extensive network of independent agents to deliver comprehensive, Florida focused insurance solutions. Olympus is part of the SageSure family of companies following SageSure's acquisition of the insurer earlier this year. For more information, visit www.olympusinsurance.com.About Mercury Insurance
Mercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on Instagram or Facebook. View original content to download multimedia:https://www.prnewswire.com/news-releases/mercury-insurance-and-olympus-insurance-partner-to-expand-auto-and-home-bundling-in-florida-and-unlock-new-savings-302765316.htmlSOURCE Mercury Insurance Original: Mercury Insurance and Olympus Insurance Partner to Expand Auto and Home Bundling in Florida and Unlock New Savings

As Embers Travel Miles and Drive Most Home Ignitions, Defensible Space is EvolvingMay 6, 2026 12:06 PM
PR Newswire (US) As Wildfire Awareness Month begins, Mercury Insurance outlines how changing wildfire behavior is reshaping home protection and what homeowners should do differently todayLOS ANGELES, May 6, 2026 /PRNewswire/ -- Wildfire risk is changing, and so is the playbook for protecting homes. In recognition of Wildfire Awareness Month, Mercury Insurance (NYSE/NYSE TX: MCY) is urging homeowners to rethink traditional defensible space strategies as modern wildfire behavior, driven by climate conditions and changing landscapes, increases the speed, intensity, and reach of fires.While defensible space has long been defined as a 100-foot buffer around a home, new research and fire science highlight that the greatest threat today often comes not from flames, but from wind-driven embers that can travel miles ahead of a fire and ignite structures unexpectedly."Defensible space is still one of the most important tools homeowners have, but the way we think about it has evolved," said Holly Sacks, Director, Port UW and CAT Management at Mercury Insurance. "Today's fires move faster, burn hotter, and spread in ways we didn't fully account for even 10 years ago. That means homeowners need to focus not just on clearing space, but on hardening the home and eliminating ignition points closest to the structure."Why defensible space is changingModern wildfire behavior is reshaping risk in three key ways:Embers are the primary threat: Up to 90% of homes lost in wildfires are ignited by embers, not direct flame contact.Embers travel farther than expected: Wind-driven embers can be carried several miles, and in extreme conditions, even farther, expanding risk well beyond traditional fire zones.Fires are becoming more intense and unpredictable: Climate-driven conditions are contributing to larger, faster-moving fires and longer fire seasons, increasing exposure for more communities.These shifts are prompting fire experts to emphasize a more granular, zone-based approach to defensible space, with a heightened focus on the immediate area surrounding the home.What homeowners should do differently todayMercury Insurance recommends updating defensible space strategies with these modern, evidence-based steps:Prioritize the "Zone 0" area (0–5 feet from the home)
This immediate perimeter is now considered the most critical line of defense. Remove anything combustible including mulch, patio furniture, and stored materials. Even small items can ignite from embers and spread fire to the structure.Replace combustible materials near the home
Swap wood fencing, bark mulch, and flammable landscaping for noncombustible alternatives like gravel, stone, or concrete. Research shows that ember ignition often starts with these small fuel sources.Focus on home hardening, not just vegetation clearing
Upgrade vents, roofing, and gutters to reduce ember entry and accumulation. Ember intrusion through vents and rooflines is a leading cause of structure ignition.Increase spacing between structures and fuels
Fires are increasingly spreading from structure to structure. Maintain separation between homes, fences, sheds, and vegetation to reduce chain reactions during wind-driven events.Maintain defensible space year-round
Fire seasons are starting earlier and lasting longer. Ongoing maintenance, not seasonal cleanup, is now essential.A shift from distance to detailTraditional defensible space guidance focused on how far vegetation should be cleared. Today, the emphasis is shifting toward what is closest to the home and how materials behave under ember exposure."Clearing brush 100 feet out is still important, but we're seeing more losses start within just a few feet of the home," Sacks added. "That first five feet can make the difference between a home surviving or being lost."To learn more about wildfire safety, visit the Mercury blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. View original content to download multimedia:https://www.prnewswire.com/news-releases/as-embers-travel-miles-and-drive-most-home-ignitions-defensible-space-is-evolving-302763564.htmlSOURCE Mercury Insurance Original: As Embers Travel Miles and Drive Most Home Ignitions, Defensible Space is Evolving

Mercury General Corporation Announces First Quarter Results and Declares Quarterly DividendMay 5, 2026 4:05 PM
PR Newswire (US) LOS ANGELES, May 5, 2026 /PRNewswire/ -- Mercury General Corporation (NYSE: MCY) reported today for the first quarter of 2026:Consolidated Highlights

Three Months Ended March 31,
Change
2026
2025
$
%(000's except per-share amounts and ratios)






Net premiums earned (2)$   1,452,413
$   1,283,069
$   169,344
13.2Net premiums written (1) (2)  $   1,550,118
$   1,314,380
$   235,738
17.9Direct premiums written (1)$   1,572,741
$   1,445,443
$   127,298
8.8







Net realized investment (losses) gains, net of tax (3)$         (3,589)
$        18,424
$    (22,013)
(119.5)Net income (loss)$      190,421
$     (108,327)
$   298,748
NMNet income (loss) per diluted share$            3.44
$           (1.96)
$           5.4
NM







Operating income (loss) (1)$      194,010
$     (126,751)
$   320,761
NMOperating income (loss) per diluted share (1)$            3.50
$           (2.29)
$         5.79
NMCatastrophe losses net of reinsurance (4)$        93,000
$      447,000
$  (354,000)
(79.2)Combined ratio (5)89.3 %
119.2 %
—
(29.9) pts
NM = Not Meaningful
(1) These measures are not based on U.S. generally accepted accounting principles ("GAAP"), are defined in "Information Regarding GAAP and Non-GAAP Measures" and are reconciled to the most directly comparable GAAP measures in "Supplemental Schedules."(2) Net  premiums earned and net premiums written for the three months ended March 31, 2025 include $76 million and $127 million, respectively, of increased ceded reinsurance premiums due to the Company's reinsurance treaty being fully used up and from the reinstatement of the Company's catastrophe reinsurance benefits following the Palisades and Eaton wildfires in January 2025.     (3) Net realized investment (losses) gains before tax was $(5) million and $23 million for the three months ended March 31, 2026 and 2025, respectively. The changes in fair value of the Company's investments are recorded as part of net realized investment gains or losses in its consolidated statements of operations due to the adoption of the fair value option under GAAP.(4) The majority of 2026 catastrophe losses resulted from adverse reserve development on the Palisades and Eaton wildfires, and storms in California, Texas and Oklahoma. The majority of 2025 catastrophe losses resulted from the Palisades and Eaton wildfires. (5) The Company experienced favorable development of approximately $9 million and $51 million on prior accident years' loss and loss adjustment expense reserves for the three months ended March 31, 2026 and 2025, respectively. The favorable development for the first quarter of 2026 was primarily attributable to lower than estimated losses in the automobile line of insurance business, partially offset by adverse development on the homeowners line of insurance business, including adverse development on the prior years' catastrophe losses. The favorable development for the first quarter of 2025 was primarily attributable to lower than estimated losses in the automobile line of insurance business, and the homeowners line of insurance business, including favorable development on prior years' catastrophe losses. Investment Results

Three Months Ended March 31,
2026
2025(000's except average annual yield)


Average invested assets at cost (1)$    6,643,376
$    5,594,499Net investment income (2) (3)


     Before income taxes$         85,636
$         81,479     After income taxes$         72,859
$         67,850Average annual yield on investments (2) (3)


     Before income taxes4.5 %
4.9 %     After income taxes3.9 %
4.1 %

(1)Fixed maturities and short-term bonds at amortized cost; equities and other short-term investments at cost. Average invested assets at cost are based on the monthly amortized cost of the invested assets excluding cash for each period.(2)Net investment income includes interest income earned on cash of approximately $11.2 million and $13.1 million ($8.9 million and $10.3 million after tax) for the three months ended March 31, 2026 and 2025, respectively. Average annual yield on investments does not include interest income earned on cash.(3)Higher net investment income before and after income taxes for the three months ended March 31, 2026 compared to the corresponding period in 2025 resulted largely from higher average invested assets. Average annual yield on investments before income taxes for the three months ended March 31, 2026 decreased from the corresponding period in 2025, primarily due to an increase in tax-exempt investments with lower pre-tax yields, combined with lower yields on floating rate investments resulting from lower short-term market interest rates. Average annual yield on investments after income taxes for the three months ended March 31, 2026 decreased from the corresponding period in 2025, primarily due to lower yields on floating rate investments resulting from lower short-term market interest rates.The Board of Directors declared a quarterly dividend of $0.3175 per share. The dividend will be paid on June 25, 2026 to shareholders of record on June 11, 2026.Mercury General Corporation and its subsidiaries are a multiple line insurance organization offering predominantly personal automobile and homeowners insurance through a network of independent producers and direct-to-consumer sales in many states. For more information, visit the Company's website at www.mercuryinsurance.com.The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" for certain forward-looking statements. Certain statements contained in this report are forward-looking statements based on the Company's current expectations and beliefs concerning future developments and their potential effects on the Company. There can be no assurance that future developments affecting the Company will be those anticipated by the Company. Actual results may differ from those projected in the forward-looking statements. These forward-looking statements involve significant risks and uncertainties (some of which are beyond the control of the Company) and are subject to change based upon various factors, including but not limited to the following risks and uncertainties: changes in the demand for the Company's insurance products, inflation and general economic conditions, including general market risks associated with the Company's investment portfolio; the accuracy and adequacy of the Company's pricing methodologies; catastrophes in the markets served by the Company; uncertainties related to estimates, assumptions and projections generally; the possibility that actual loss experience may vary adversely from the actuarial estimates made to determine the Company's loss reserves in general, including subrogation recovery estimates; the Company's ability to obtain and the timing of the approval of premium rate changes for insurance policies issued in the states where it operates; legislation adverse to the automobile or homeowners insurance industry or business generally that may be enacted in the states where the Company operates; the Company's success in managing its business in non-California states; the presence of competitors with greater financial resources and the impact of competitive pricing and marketing efforts; the Company's ability to successfully allocate the resources used in the states with reduced or exited operations to its operations in other states; changes in driving patterns and loss trends; acts of war and terrorist activities; effects of changing climate conditions; pandemics, epidemics, widespread health emergencies, or outbreaks of infectious diseases; court decisions and trends in litigation and health care and auto repair costs; changes in global trade policies, including trade barriers or restrictions; and legal, cybersecurity, regulatory and litigation risks. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as the result of new information, future events or otherwise. For a more detailed discussion of some of the foregoing risks and uncertainties, see the Company's Annual Report on Form 10-K filed with the United States Securities and Exchange Commission on February 17, 2026.MERCURY GENERAL CORPORATION AND SUBSIDIARIESSUMMARY OF OPERATING RESULTS(000's except per-share amounts and ratios)(unaudited)




Three Months Ended March 31,
2026
2025Revenues:


     Net premiums earned$         1,452,413
$         1,283,069     Net investment income85,636
81,479     Net realized investment (losses) gains(4,543)
23,321     Other6,303
6,010          Total revenues1,539,809
1,393,879Expenses:


     Losses and loss adjustment expenses932,950
1,220,813     Policy acquisition costs240,502
228,720     Other operating expenses123,887
79,453     Interest6,817
7,189          Total expenses1,304,156
1,536,175Income (loss) before income taxes235,653
(142,296)     Income tax expense (benefit)45,232
(33,969)                    Net income (loss)$            190,421
$          (108,327)



Basic average shares outstanding55,389
55,389Diluted average shares outstanding 55,389
55,389



Basic Per Share Data


Net income (loss)$                  3.44
$                 (1.96)Net realized investment (losses) gains, net of tax     $                 (0.06)
$                  0.33



Diluted Per Share Data


Net income (loss)$                  3.44
$                 (1.96)Net realized investment (losses) gains, net of tax$                 (0.06)
$                  0.33



Operating Ratios-GAAP Basis


Loss ratio64.2 %
95.1 %Expense ratio25.1 %
24.0 %Combined ratio (a)89.3 %
119.2 %

(a)Combined ratio for the three months ended March 31, 2025 does not sum due to rounding. MERCURY GENERAL CORPORATION AND SUBSIDIARIESCONDENSED BALANCE SHEETS AND OTHER INFORMATION(000's except per-share amounts and ratios)

March 31, 2026
December 31, 2025
(unaudited)

ASSETS


Investments, at fair value:


     Fixed maturity securities (amortized cost $5,534,785; $5,449,726)$         5,499,834
$         5,430,251     Equity securities (cost $801,687; $728,460)883,623
812,787     Short-term investments (cost $441,810; $336,978)441,841
336,992          Total investments6,825,298
6,580,030Cash1,350,883
1,315,574Receivables:


     Premiums825,000
751,554          Allowance for credit losses on premiums receivable (6,100)
(6,000)                  Premiums receivable, net of allowance for credit losses818,900
745,554     Accrued investment income73,380
73,004     Other86,557
86,508          Total receivables978,837
905,066Reinsurance recoverables (net of allowance for credit losses $2; $39)   47,771
109,672Deferred policy acquisition costs366,573
359,724Fixed assets, net150,854
146,880Operating lease right-of-use assets12,153
12,125Deferred income taxes31,821
30,637Goodwill42,796
42,796Other intangible assets, net6,613
6,827Other assets59,266
51,338          Total assets$         9,872,865
$         9,560,669LIABILITIES AND SHAREHOLDERS' EQUITY


Loss and loss adjustment expense reserves$         3,646,201
$         3,633,338Unearned premiums2,353,558
2,255,935Notes payable 574,626
574,527Accounts payable and accrued expenses394,423
448,703Operating lease liabilities12,652
12,328Current income taxes77,180
30,770Other liabilities224,115
187,793Shareholders' equity2,590,110
2,417,275          Total liabilities and shareholders' equity$         9,872,865
$         9,560,669



OTHER INFORMATION


Common stock shares outstanding55,389
55,389Book value per share$                46.76
$                43.64Statutory surplus (a)$2.58 billion
$2.39 billionNet premiums written to surplus ratio (a)2.31
2.39Debt to total capital ratio (b)18.2 %
19.2 %Portfolio duration (including all short-term instruments) (a) (c)4.4 years
4.4 yearsPolicies-in-force (company-wide "PIF") (a)


     Personal Auto PIF1,057
1,044     Homeowners PIF906
883     Commercial Auto PIF34
34     All Other PIF (d)311
304          Total PIF2,308
2,265

(a)Unaudited.(b)Debt to Debt plus Shareholders' Equity (Debt at face value).(c)Modified duration reflecting anticipated early calls.(d)All Other PIF represents the combined PIF of all the other smaller lines of insurance business, which in aggregate accounted for only 6.1% of the total company-wide direct premiums written for the three months ended March 31, 2026. SUPPLEMENTAL SCHEDULES


(000's except per-share amounts and ratios)(unaudited)







Three Months Ended March 31,
2026
2025



Reconciliations of Comparable GAAP Measures to Operating Measures (a)



Net premiums earned$         1,452,413
$         1,283,069Change in net unearned premiums97,705
31,311Net premiums written$         1,550,118
$         1,314,380Assumed premiums written$             (39,965)
$             (25,733)Ceded premiums written$              62,588
$            156,796Direct premiums written$         1,572,741
$         1,445,443



Incurred losses and loss adjustment expenses$            932,950
$         1,220,813Change in net loss and loss adjustment expense reserves (13,422)
(285,112)Paid losses and loss adjustment expenses$            919,528
$            935,701



Net income (loss)$            190,421
$           (108,327)Less: Net realized investment (losses) gains(4,543)
23,321         Tax on net realized investment (losses) gains (b)(954)
4,897             Net realized investment (losses) gains, net of tax(3,589)
18,424Operating income (loss) $            194,010
$           (126,751)



Per diluted share:


Net income (loss)$                  3.44
$                 (1.96)Less: Net realized investment (losses) gains, net of tax(0.06)
0.33Operating income (loss)$                  3.50
$                 (2.29)



Combined ratio89.3 %
119.2 %Effect of estimated prior periods' loss development0.6 %
4.0 %Combined ratio-accident period basis (c)89.9 %
123.1 %

(a)See "Information Regarding GAAP and Non-GAAP Measures."     (b)Based on federal statutory rate of 21%.(c)Combined ratio-accident period basis for the three months ended March 31, 2025 does not sum due to rounding.Information Regarding GAAP and Non-GAAP MeasuresThe Company has presented information within this document containing operating measures which in management's opinion provide investors with useful, industry specific information to help them evaluate, and perform meaningful comparisons of, the Company's performance, but that may not be presented in accordance with GAAP. These measures are not intended to replace, and should be read in conjunction with, the GAAP financial results.Net income (loss) is the GAAP measure that is most directly comparable to operating income (loss). Operating income (loss) is net income (loss) excluding realized investment gains and losses, net of tax. Operating income (loss) is used by management along with the other components of net income (loss) to assess the Company's performance. Management uses operating income (loss) as an important measure to evaluate the results of the Company's insurance business. Management believes that operating income (loss) provides investors with a valuable measure of the Company's ongoing performance as it reveals trends in the Company's insurance business that may be obscured by the effect of net realized investment gains and losses. Realized investment gains and losses may vary significantly between periods and are generally driven by external economic developments such as capital market conditions. Accordingly, operating income (loss) highlights the results from ongoing operations and the underlying profitability of the Company's core insurance business. Operating income (loss), which is provided as supplemental information and should not be considered as a substitute for net income (loss), does not reflect the overall profitability of the Company's business. It should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of net income (loss) to operating income (loss).Net premiums earned, the most directly comparable GAAP measure to net premiums written and direct premiums written, represents the portion of premiums written that is recognized as revenue in the financial statements for the periods presented and earned on a pro-rata basis over the term of the policies. Net premiums written is a statutory financial measure which represents the premiums charged on policies issued during a fiscal period net of any applicable reinsurance; direct premiums written is such a measure before any applicable reinsurance. Net premiums written and direct premiums written are designed to determine production levels and are meant as supplemental information and not intended to replace net premiums earned. Such information should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of net premiums earned to net premiums written and direct premiums written.Incurred losses and loss adjustment expenses is the most directly comparable GAAP measure to paid losses and loss adjustment expenses. Paid losses and loss adjustment expenses excludes the effects of changes in the loss reserve accounts. Paid losses and loss adjustment expenses is provided as supplemental information and is not intended to replace incurred losses and loss adjustment expenses. It should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of incurred losses and loss adjustment expenses to paid losses and loss adjustment expenses.Combined ratio is the most directly comparable measure to combined ratio-accident period basis. Combined ratio-accident period basis is computed as the difference between two GAAP operating ratios: the combined ratio and prior accident periods' loss development ratio. Management believes that combined ratio-accident period basis is useful to investors and it is used to reveal the trends in the Company's results of operations that may be obscured by development on prior accident periods' loss reserves. Combined ratio-accident period basis is meant as supplemental information and is not intended to replace the GAAP combined ratio. It should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of GAAP combined ratio to combined ratio-accident period basis.   View original content to download multimedia:https://www.prnewswire.com/news-releases/mercury-general-corporation-announces-first-quarter-results-and-declares-quarterly-dividend-302762863.htmlSOURCE Mercury General Corporation Original: Mercury General Corporation Announces First Quarter Results and Declares Quarterly Dividend

More Than a Discount: Drivers Who Bundle Home and Auto See Fewer Coverage Gaps and Smoother ClaimsApril 28, 2026 12:06 PM
PR Newswire (US)

Industry data shows bundled policyholders can save up to 25 percent on premiums while benefiting from simplified claims handling and more consistent protectionLOS ANGELES, April 28, 2026 /PRNewswire/ -- As insurance costs remain top of mind for consumers, new insights from Mercury Insurance (NYSE/NYSE TX: MCY) highlight that bundling home and auto policies delivers more than just savings. While multi-policy discounts can reduce premiums by as much as 25 percent on average across the industry, the bigger advantage may be how bundling improves coverage alignment and simplifies the claims experience.Bundling, also known as a multi-policy strategy, allows customers to insure their home and vehicles under one carrier. Traditionally viewed as a cost-saving move, the approach is increasingly being recognized for reducing coverage gaps and minimizing friction during claims."Bundling is often framed as a way to save money, and that benefit is real," said Justin Yoshizawa, Director of Product Management, Mercury Insurance. "But what matters just as much is how it brings policies together under one roof. When home and auto coverage are aligned, customers are less likely to run into gaps, conflicting deductibles, or delays during a claim."A Shift Beyond SavingsIndustry research consistently shows that bundling remains one of the most effective ways for consumers to lower insurance costs, with average savings typically ranging between 10 and 25 percent depending on the carrier and risk profile. But as severe weather events, inflation, and repair costs continue to rise, the value of comprehensive protection is becoming a bigger driver of consumer decisions.In real-world scenarios such as weather and wildfire related claims, both home and auto policies can be triggered at the same time. When policies are split across different insurers, customers may face multiple adjusters, inconsistent timelines, and varying coverage interpretations.By contrast, bundled policies streamline that process. A single carrier can coordinate claims handling, apply consistent coverage logic, and reduce the administrative burden on policyholders during already stressful situations.Fewer Gaps, Better AlignmentCoverage gaps are one of the most common and least understood risks in personal insurance. These gaps can occur when separate policies are structured differently, leaving exposures that are unintentionally uninsured.Bundling helps reduce this risk by aligning key elements such as deductibles, liability limits, and endorsements. It also provides carriers with a more complete view of the customer's risk profile, which can lead to more tailored and consistent protection."Insurance works best when it is coordinated, not pieced together," Yoshizawa added. "Bundling gives customers a clearer understanding of their coverage and creates a more seamless experience when they need it most."A Simpler Customer ExperienceIn addition to protection benefits, bundling simplifies day-to-day policy management. Customers have one billing relationship, one renewal timeline, and one point of contact for service and claims.That simplicity can be especially valuable during major life events such as moving, purchasing a home, or adding a new vehicle, when insurance needs often change quickly.As more consumers look for ways to balance affordability with dependable protection, bundling continues to be a strategy that delivers both.For more information about bundling your policies, visit the Mercury Insurance Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: More Than a Discount: Drivers Who Bundle Home and Auto See Fewer Coverage Gaps and Smoother Claims

$50 Billion in Losses and Minutes to Hit; Why Hail Season Demands Early ActionApril 23, 2026 12:06 PM
PR Newswire (US)

Mercury Insurance shares practical steps to help protect homes, vehicles, and outdoor property as severe weather activity accelerates nationwideLOS ANGELES, April 23, 2026 /PRNewswire/ -- As severe weather season ramps up across the U.S., Mercury Insurance (NYSE/NYSE Texas: MCY) is urging homeowners and drivers to prepare now, as hailstorms remain one of the fastest and most expensive threats to property. While storms may pass quickly, the damage they leave behind can be significant. In recent years, severe convective storms, which include hail, have driven more than $50 billion in insured losses in multiple years, with hail accounting for a substantial portion of those costs.According to the National Oceanic and Atmospheric Administration (NOAA), thousands of hail events are reported across the country each year. Individual storms can produce widespread damage in minutes, impacting roofs, vehicles, siding, and outdoor property with little warning."Hail is one of the most frequent sources of catastrophic weather damage we see," said Steve Bennett, Head of Climate Science and Catastrophe Modeling at Mercury Insurance. "Unlike hurricanes or wind driven fires that might affect a community once in a generation, hailstorms can strike the same town again and again. That frequency adds up, which is why it's so important for homeowners and drivers to take simple, practical steps to reduce their hail risk before storms are in the forecast."Why hail is so damagingHailstones can range from small pellets to larger than a golf ball, and in some cases exceed two inches in diameter. Falling at high speeds, they can:Fracture or dislodge roofing materials, increasing the risk of leaks and water intrusionDent vehicles and crack or shatter windshieldsDamage siding, windows, and exterior fixturesDestroy outdoor furniture, grills, and landscapingIn many cases, damage is not immediately visible. Small fractures or weakened materials can worsen over time, especially when followed by rain or temperature changes.How to prepare before a hailstormMercury Insurance recommends several proactive steps to help reduce potential damage:Inspect and maintain your roof
Address loose or aging shingles early to improve resilience against hail impact.Use covered parking when available
Garages and carports offer the best protection for vehicles. If unavailable, consider temporary hail protection covers.Secure outdoor belongings
Bring patio furniture, grills, and other loose items indoors when storms are forecast.Close and reinforce windows and doors
Reducing exposure to impact can help limit both structural and interior damage.Review your insurance coverage
Confirm your policy details, including deductibles and coverage limits, before severe weather develops.After the storm: act quicklyOnce conditions are safe, inspect your property for signs of damage. Look for dents on gutters and vehicles, as well as bruising or granule loss on shingles. Document any issues and contact your insurance provider promptly."Hail damage is not always obvious right away, but delaying inspection can lead to larger problems," Bennett added. "A timely check can help prevent minor issues from turning into more costly repairs."As seasonal storm activity increases, preparation remains one of the most effective ways to reduce risk. Even a few simple steps can help limit damage and improve recovery when severe weather strikes.For more information about seasonal storms and hail, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: $50 Billion in Losses and Minutes to Hit; Why Hail Season Demands Early Action

Spring Rain Puts Roofs to the Test. Nearly 1 in 3 Home Insurance Claims Tied to Water DamageApril 21, 2026 12:06 PM
PR Newswire (US)

Mercury Insurance highlights how simple roof maintenance can help homeowners avoid costly leaks as storm season ramps upLOS ANGELES, April 21, 2026 /PRNewswire/ -- As spring rain begins to fall across many regions, Mercury Insurance (NYSE/NYSE Texas: MCY) is encouraging homeowners to inspect and maintain their roofs, as seasonal showers can expose existing vulnerabilities and lead to preventable water damage.Water damage and freezing account for nearly 30 percent of all homeowners insurance claims nationwide, making it one of the leading drivers of property loss. However, only a smaller share of total claims are tied directly to weather-related water events, underscoring that many water losses stem from everyday issues such as plumbing failures, appliance leaks, or gradual wear and tear.Even so, when storms do hit, the roof often plays a critical role in how water enters the home. Worn shingles, damaged flashing, and clogged gutters can allow rainwater to penetrate the structure, turning otherwise manageable weather events into costly repairs.As seasonal storms increase and contractor demand rises, Mercury Insurance is encouraging homeowners to take a proactive approach to roof care before minor issues escalate."Water damage remains one of the most frequent drivers of homeowners claims, but not all of those losses are weather-related," said Larry Anderson, Director of Underwriting Operations at Mercury Insurance. "When storms do occur, the condition of the roof can make a significant difference. Routine maintenance like clearing gutters or addressing worn materials can help reduce the impact when rain does find its way in."Still, industry data shows that storm-related roof damage remains a meaningful contributor to claims severity. When left unaddressed, even minor roof issues can escalate quickly. The average water damage claim can exceed $10,000, while a basic roof repair often costs significantly less when caught early.Key Roof Care Tips for Rainy Season ProtectionInspect shingles and flashing
Look for cracked, curled, or missing shingles, along with damage around vents, chimneys, and skylights where leaks often begin.Clear gutters and downspouts
Blocked drainage systems can force water back under roofing materials, increasing the risk of interior damage.Check for early warning signs inside the home
Water stains, peeling paint, or musty odors can signal a developing issue before it becomes severe.Trim nearby trees and remove debris
Overhanging branches and buildup on the roof can trap moisture and accelerate deterioration.Schedule a professional inspection when needed
Older roofs or homes that have experienced recent storms may benefit from a licensed inspection to identify hidden risks.Taking action early can help homeowners avoid larger repairs, reduce claim severity, and protect the long-term integrity of their property. As spring storms continue, Mercury Insurance reminds homeowners that a quick inspection today can prevent major damage tomorrow.If you want to know more about preparing your home for bad weather, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Spring Rain Puts Roofs to the Test. Nearly 1 in 3 Home Insurance Claims Tied to Water Damage

Distracted Driving Awareness Month: Most Drivers Multitask Behind the Wheel And 68% Say They're Confident Doing ItApril 16, 2026 12:00 PM
PR Newswire (US)

Mercury Insurance research shows distraction is widespread as drivers overestimate their ability to stay focusedLOS ANGELES, April 16, 2026 /PRNewswire/ -- Multitasking behind the wheel has become routine for many drivers, but confidence in those behaviors may be outpacing reality.New research from Mercury Insurance (NYSE/NYSE Texas: MCY) finds that drivers engage in a wide range of distracted driving behaviors each year, from checking navigation to eating and making phone calls. While these actions may feel manageable in the moment, the data shows they are far more common—and riskier—than drivers tend to acknowledge.On average, drivers reported engaging in 37% of 27 common distracted behaviors, with only 8% avoiding distractions entirely. At the same time, 68% of drivers say they are confident in their ability to multitask behind the wheel, reinforcing a growing disconnect between perception and actual risk.Even among the most distracted drivers—those engaging in 20 or more behaviors annually—69% believe they are more attentive than the average driver, further highlighting the gap between perceived ability and real-world risk.A Habit Problem Hiding in Plain SightDistracted driving isn't limited to texting. The research examined 27 everyday behaviors spanning visual, manual and cognitive distractions—many of which drivers consider routine.But these small actions add up.Drivers who frequently engage in multiple distracted behaviors are more likely to underestimate the cumulative impact those actions have on reaction time, awareness and overall control behind the wheel.In some states, the issue is even more pronounced. For example, drivers in Alabama reported engaging in 45% of distracted behaviors, significantly higher than the national average, despite hands-free laws and ongoing safety campaigns.Why It Matters NowThe consequences of distraction are escalating. In Alabama alone, fatalities linked to distracted driving have increased 67.5% from 2018 to 2023, underscoring how dangerous everyday habits can become when left unchecked."Overconfidence is a risk multiplier," said Larry Anderson, Director of Underwriting at Mercury Insurance. "When drivers believe they can safely multitask, they're less likely to correct risky behaviors. That disconnect between perceived control and actual reaction time is where accidents happen."From an insurance perspective, distracted driving is more than a safety concern—it's a measurable risk factor that contributes to increased claims frequency and severity.Practical Steps to Reduce RiskMercury Insurance encourages drivers to take simple, proactive steps to reduce distractions behind the wheel:Put the phone away—even hands-free use can divide attentionSet navigation and music before drivingAvoid eating or grooming while drivingStay focused on a single task: drivingRecognize overconfidence and adjust habits accordinglyA Moment to Reset Driving HabitsWith April recognized as Distracted Driving Awareness Month, Mercury Insurance is urging drivers to take a closer look at habits that may feel harmless—but carry real consequences."Safe driving isn't about what you think you can handle," Anderson added. "It's about eliminating unnecessary risks before they turn into real-world consequences."For a full breakdown of distracted driving behaviors and state-by-state insights, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Distracted Driving Awareness Month: Most Drivers Multitask Behind the Wheel And 68% Say They're Confident Doing It

Earth Month Spotlight: Smarter Homes and Lower Energy Use; Tips That Can Save Hundreds AnnuallyApril 14, 2026 12:00 PM
PR Newswire (US)

Mercury Insurance Highlights Upgrades That Improve Comfort, Performance, and Long-Term Home ResilienceLOS ANGELES, April 14, 2026 /PRNewswire/ -- As homeowners look for ways to manage rising utility costs, Mercury Insurance (NYSE/NYSE Texas: MCY) is highlighting energy-efficient home upgrades that can lower monthly expenses while improving comfort and long-term property resilience. With Earth Month placing a spotlight on sustainability, now is an ideal time for homeowners to evaluate how their homes use energy and where improvements can make a meaningful difference.Energy costs are not just rising; they are becoming a growing financial burden. The average U.S. household spends roughly $2,000 per year on energy, and as much as $200 to $400 of that can be lost due to drafts, air leaks, and outdated systems. Meanwhile, energy insecurity is increasing, with about one-third of U.S. households now struggling to afford energy bills."Energy efficiency is one of the most practical ways homeowners can take control of both costs and comfort," said Adam Bakonis, Director, Product Management at Mercury Insurance. "Upgrades like insulation, efficient HVAC systems, and smart home technology not only reduce monthly bills, but they also help protect the home itself by reducing strain on critical systems and improving overall performance."Where homeowners see the biggest impactHeating and cooling systems represent the largest share of home energy use, accounting for as much as 35 to 50 percent of annual energy costs. That makes HVAC upgrades and maintenance one of the highest-impact investments homeowners can make.Additional high-value improvements include:Insulation and air sealing
Poor insulation and air leaks can waste hundreds of dollars annually. Addressing these gaps improves indoor comfort and reduces energy loss.Energy-efficient windows and doors
Upgraded windows can lower household energy bills by about 13 percent by reducing heat transfer.Smart thermostats and energy management
Behavioral changes and smart technology can reduce energy use by 20 to 30 percent without major renovations.Lighting and appliances
LED lighting uses at least 75 percent less energy than traditional bulbs, offering one of the simplest and most cost-effective upgrades.ENERGY STAR appliances and systems
Households that adopt ENERGY STAR solutions can save about $450 annually on energy costs.Efficiency that adds long-term valueEnergy efficiency is not just about lowering bills. It can also increase property value and improve long-term durability. Energy-efficient homes have been shown to sell for more, reflecting growing buyer demand for lower operating costs and sustainable features.At the same time, reducing strain on heating, cooling, and electrical systems can help extend the life of key home components, lowering maintenance costs and reducing the likelihood of costly repairs.A smarter approach to homeownershipMercury Insurance encourages homeowners to start with a home energy audit to identify the most effective upgrades for their property. From there, prioritizing improvements with the highest return on investment can deliver both immediate savings and long-term benefits."As energy costs continue to rise, homeowners are looking for solutions that make a real difference," Bakonis added. "The right upgrades can improve daily comfort, reduce expenses, and help ensure the home performs the way it should for years to come."For more tips and information about energy efficiency, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Earth Month Spotlight: Smarter Homes and Lower Energy Use; Tips That Can Save Hundreds Annually

Rain Doubles Crash Risk on Wet Roads, Mercury Insurance Urges Drivers to Adjust Habits This SpringApril 9, 2026 12:00 PM
PR Newswire (US)

New guidance highlights simple, effective steps motorists can take to maintain control and avoid costly weather-related accidentsLOS ANGELES, April 9, 2026 /PRNewswire/ -- Mercury Insurance (NYSE/NYSE Texas: MCY) is reminding drivers that spring rain creates hazardous road conditions that significantly increase the risk of collisions—and that small adjustments behind the wheel can make a meaningful difference in staying safe.Rain may feel routine, but the data tells a different story. According to the Federal Highway Administration, nearly 1.2 million crashes occur each year on wet pavement, accounting for roughly 75% of all weather-related collisions. Reduced traction, longer stopping distances, and limited visibility all contribute to elevated risk when roads are slick.The danger is often highest at the start of a storm. During the first 10 to 15 minutes of rainfall, oil and debris that have built up on the roadway rise to the surface, creating especially slippery conditions before they are washed away."Many drivers underestimate how dramatically rain changes road conditions," said Justin Yoshizawa, Director of Product Management at Mercury Insurance. "A few small adjustments—like slowing down and giving yourself more space—can make a significant difference in preventing accidents."Key Rainy Season Driving TipsSlow down and increase following distance
Wet pavement reduces tire grip, making it harder to stop quickly. Allow extra space between vehicles to account for longer braking distances.Turn on headlights—not just daytime running lights
Headlights improve visibility and help other drivers see you in low-light and rainy conditions.Avoid sudden braking or sharp turns
Smooth, gradual movements help maintain traction and reduce the risk of skidding or hydroplaning.Watch for standing water
Even shallow water can cause hydroplaning, where tires lose contact with the road surface.Check tires regularly
Proper tread depth and correct tire pressure are essential for maintaining control on wet roads.Mercury also encourages drivers to stay alert for changing conditions, particularly during heavy downpours or on roadways prone to pooling water. Taking a proactive approach to wet-weather driving can help reduce both the likelihood and severity of accidents.For more safe driving tips and information, visit Mercury Insurance's blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on LinkedIn, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. 





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Original: Rain Doubles Crash Risk on Wet Roads, Mercury Insurance Urges Drivers to Adjust Habits This Spring

MERCURY GENERAL CORPORATION TO REPORT FIRST QUARTER RESULTS ON MAY 5, 2026April 7, 2026 3:39 PM
PR Newswire (US)

LOS ANGELES, April 7, 2026 /PRNewswire/ -- Mercury General Corporation (NYSE: MCY) reported today that after the markets close on Tuesday, May 5, 2026, the Company will issue an earnings press release reporting its results for the first quarter of 2026, and will also file its quarterly report on Form 10-Q with the Securities and Exchange Commission. The earnings press release should be read in conjunction with the Company's quarterly report on Form 10-Q.Mercury General Corporation and its subsidiaries are a multiple line insurance organization offering predominantly personal automobile and homeowners insurance through a network of independent producers and direct-to-consumer sales in many states. For more information, visit the Company's website at http://www.mercuryinsurance.com.The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" for certain forward-looking statements. Certain statements contained in this press release are forward-looking statements based on the Company's current expectations and beliefs concerning future developments and their potential effects on the Company. There can be no assurance that future developments affecting the Company will be those anticipated by the Company. Actual results may differ from those projected in the forward-looking statements. These forward-looking statements involve significant risks and uncertainties (some of which are beyond the control of the Company) and are subject to change based upon various factors, including but not limited to the following risks and uncertainties: changes in the demand for the Company's insurance products, inflation and general economic conditions, including general market risks associated with the Company's investment portfolio; the accuracy and adequacy of the Company's pricing methodologies; catastrophes in the markets served by the Company; uncertainties related to estimates, assumptions and projections generally; the possibility that actual loss experience may vary adversely from the actuarial estimates made to determine the Company's loss reserves in general, including subrogation recovery estimates; the Company's ability to obtain and the timing of the approval of premium rate changes for insurance policies issued in the states where it operates; legislation adverse to the automobile or homeowners insurance industry or business generally that may be enacted in the states where the Company operates; the Company's success in managing its business in non-California states; the presence of competitors with greater financial resources and the impact of competitive pricing and marketing efforts; the Company's ability to successfully allocate the resources used in the states with reduced or exited operations to its operations in other states; changes in driving patterns and loss trends; acts of war and terrorist activities; effects of changing climate conditions; pandemics, epidemics, widespread health emergencies, or outbreaks of infectious diseases; court decisions and trends in litigation and health care and auto repair costs; changes in global trade policies, including trade barriers or restrictions; and legal, cybersecurity, regulatory and litigation risks. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as the result of new information, future events or otherwise. For a more detailed discussion of some of the foregoing risks and uncertainties, see the Company's filings with the Securities and Exchange Commission.





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Original: MERCURY GENERAL CORPORATION TO REPORT FIRST QUARTER RESULTS ON MAY 5, 2026

Distracted Driving Awareness Month: Simple Habits That Help You Stay Focused Behind the WheelApril 7, 2026 12:00 PM
PR Newswire (US)

From putting your phone away to preparing before you drive, small changes can significantly reduce distraction riskLOS ANGELES, April 7, 2026 /PRNewswire/ -- As part of Distracted Driving Awareness Month, Mercury Insurance (NYSE/NYSE Texas: MCY) is encouraging drivers to take a closer look at the everyday habits that can lead to distraction behind the wheel. While many people associate distracted driving with texting, it often comes down to more routine behaviors—like eating, adjusting navigation or interacting with passengers—that can quietly pull attention away from the road.That's why building better habits before and during your drive, can make a meaningful difference."Safe driving isn't about perfection—it's about preparation," said Justin Yoshizawa, Director of Product Management, Auto at Mercury Insurance. "The more you can eliminate distractions before you start the car, the easier it is to stay focused when it matters most."Start Safe Before You Even Turn the KeyMany distractions begin before the vehicle is in motion. Taking a few seconds to prepare can reduce risk significantly. Planning ahead helps eliminate the need to interact with devices once you're on the road.Set your navigation and music ahead of timeSecure loose items so you're not reaching while drivingEnable "Do Not Disturb" or silence notificationsPut the Phone Out of ReachPhones remain one of the most common sources of distraction, and one of the easiest to control. Safety campaigns emphasize a simple rule: if it can wait, it should.Place your phone in the glove box, back seat, or trunkIf you need to text or respond, pull over safely firstLet a passenger handle messages, if neededAvoid Multitasking—Even the "Small" StuffNot all distractions feel risky, but they still take your eyes, hands, or attention off driving. Even brief lapses in attention can increase the likelihood of a crash.Avoid eating, grooming, or adjusting controls while movingKeep both hands on the wheel and eyes on the roadStay mentally focused—daydreaming counts as distraction, tooUse Your Passengers as a Safety AdvantagePassengers can help reduce distraction.Ask a passenger to manage navigation or messagesSpeak up if a driver is distractedSet expectations before the drive starts"Driving is one of the few activities that demands your full attention every second," Yoshizawa added. "Anything you can do to reduce that cognitive load, whether it's asking for help or simplifying your environment, makes you a safer driver."Stay Aware: Not Just of Yourself, But OthersDefensive driving is part of distraction prevention. Because distraction isn't just your risk, it's everyone's.Watch for erratic or distracted behavior from other driversMaintain safe following distanceStay alert to changing road conditionsDistracted driving isn't always obvious, and that's what makes it dangerous. The safest drivers aren't the ones who think they can multitask; they're the ones who remove the temptation altogether.For more information about Distracted Driving Month, visit the NHTSA website; for more information about driving safely, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Distracted Driving Awareness Month: Simple Habits That Help You Stay Focused Behind the Wheel

Average Smart Home Faces 30 Cyberattacks a Day - Mercury Insurance Shares How to Stay ProtectedApril 2, 2026 12:00 PM
PR Newswire (US)

With connected homes under constant digital threat, simple safeguard can reduce both cyber intrusions and real-world lossesLOS ANGELES, April 2, 2026 /PRNewswire/ -- Connected homes are becoming the norm, with millions of Americans relying on Wi-Fi networks, mobile apps and smart devices to manage everything from door locks to thermostats. Mercury Insurance (NYSE/NYSE Texas: MCY) is reminding homeowners that as convenience increases, so does exposure — and that basic cybersecurity practices can help reduce both digital and physical risks."Smart-home technology is incredibly useful, but it also expands the number of entry points into your home — not just digitally, but physically," said Dustin Howard, Head of Info Security at Mercury Insurance. "The good news is that many of the most effective protections are simple, proactive steps that homeowners can take today."Smart-home adoption continues to accelerate, with recent studies showing that roughly 70% of U.S. households now use at least one connected device. From video doorbells to smart garage doors, these tools provide visibility and control — but if not properly secured, they can also create vulnerabilities that bad actors may exploit.Mercury Insurance recommends the following cybersecurity best practices for connected homes:Secure your Wi-Fi network: Use strong, unique passwords and enable WPA3 encryption when available to prevent unauthorized access.Update devices regularly: Firmware and software updates often include critical security patches that close known vulnerabilities.Enable multi-factor authentication (MFA): Adding a second layer of verification significantly reduces the risk of unauthorized account access.Segment your network: Consider placing smart-home devices on a separate network from personal devices like laptops and phones.Change default settings: Many devices come with default usernames and passwords that are widely known and easily exploited.Monitor device activity: Regularly review connected devices and remove any that are no longer in use."As homes become more connected, cybersecurity becomes a core part of overall home protection," Howard added. "It's not just about protecting your data — it's about protecting your property, your privacy and your peace of mind."With smart-home technology expected to continue expanding, Mercury Insurance encourages homeowners to treat cybersecurity as a routine part of home maintenance — just like checking smoke detectors or locking doors — to stay ahead of evolving risks.For more information about protecting your home from cyberattacks, check out the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook. Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Average Smart Home Faces 30 Cyberattacks a Day - Mercury Insurance Shares How to Stay Protected

Nearly 1 in 4 U.S. Home Insurance Claims Are Linked to Weather as Mercury Insurance Breaks Down the Top 5 Spring RisksMarch 26, 2026 12:00 PM
PR Newswire (US)

Seasonal storms, water damage, and wind-driven hazards drive predictable claim patterns each spring—here's how homeowners can get ahead of themLOS ANGELES, March 26, 2026 /PRNewswire/ -- Spring weather brings a sharp uptick in home insurance claims across much of the United States, as heavy rain, severe storms, and fluctuating temperatures expose vulnerabilities in roofs, drainage systems, and property maintenance. Mercury Insurance (NYSE/NYSE Texas: MCY) is highlighting the most common spring-related claims—and what homeowners can do now to reduce risk before damage occurs.According to the Insurance Information Institute, roughly 1 in 4 home insurance claims are tied to weather-related events, with wind, hail, and water damage among the most frequent drivers. These risks intensify in spring, when storm systems become more active and lingering winter damage can go unnoticed until it fails."Spring claims tend to follow very consistent patterns year after year," said Bonnie Lee, Vice President, Property Claims at Mercury Insurance. "The good news is many of the most common issues are preventable with a little seasonal maintenance and awareness."The Top 5 Spring Home Insurance Risks1. Roof Damage from Wind and Hail
Spring storms frequently bring strong winds and hail, which can loosen shingles, damage flashing, and create entry points for water. The National Oceanic and Atmospheric Administration reports thousands of severe hail and wind events annually, with activity ramping up from March through June. Even minor roof damage can lead to costly interior water claims if left unchecked.
Tip: Schedule a roof inspection after major storms and look for missing shingles or debris buildup.2. Water Damage and Plumbing Failures
Water damage remains one of the most common and costly homeowners claims. The Insurance Information Institute estimates water damage accounts for nearly 30% of all homeowners insurance claims. Spring thaw and increased rainfall can stress pipes, sump pumps, and drainage systems.
Tip: Test sump pumps, check for pipe leaks, and ensure proper drainage away from the home.3. Gutter and Drainage Issues
Clogged or damaged gutters can quickly lead to water intrusion, directing water into foundations, basements, and siding. This risk spikes in spring due to debris from winter and early-season storms.
Tip: Clean gutters and downspouts regularly and confirm water is flowing away from the home.4. Falling Trees and Branches
Wet soil and high winds increase the likelihood of tree-related damage. According to the National Weather Service, spring storms often combine saturated ground with gusty winds—making trees more prone to falling. Even healthy trees can become hazards under these conditions.
Tip: Trim overhanging branches and remove weakened or dead trees near structures.5. Basement Flooding from Heavy Rain
Flash flooding and sustained rainfall can overwhelm drainage systems. The Federal Emergency Management Agency notes that just one inch of water can cause up to $25,000 in damage to a home. Many homeowners are surprised to learn standard policies may not cover flood damage.
Tip: Consider flood insurance and install backflow valves or sump pump backups."Homeowners don't need to wait for a major storm to take action," Lee added. "A simple spring checklist—roof, gutters, drainage, and trees—can significantly reduce the likelihood of a claim and help protect what matters most."For more information about season claims, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook. Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Nearly 1 in 4 U.S. Home Insurance Claims Are Linked to Weather as Mercury Insurance Breaks Down the Top 5 Spring Risks

As Insurance Fraud Exceeds $40 Billion Annually, Consumers Face More Sophisticated, Harder-to-Detect ScamsMarch 24, 2026 12:00 PM
PR Newswire (US)

New tactics—from AI-altered damage photos to coordinated repair scams—are making fraud harder to detect and more costly for everyday drivers and homeowners.LOS ANGELES, March 24, 2026 /PRNewswire/ -- Insurance fraud is no longer limited to staged accidents or exaggerated claims—it's becoming faster, more sophisticated, and increasingly digital. As fraud schemes evolve, Mercury Insurance (NYSE/NYSE Texas: MCY) is helping consumers understand how these scams work, how they can unknowingly get caught up in them, and what steps to take to protect themselves.Insurance fraud costs Americans billions each year. According to the Federal Bureau of Investigation, non-health insurance fraud exceeds $40 billion annually, adding an estimated $400 to $700 per year to the average family's premiums. The Coalition Against Insurance Fraud estimates total insurance fraud across all sectors can reach $308 billion annually, highlighting the growing scale and impact of these schemes."Fraud today isn't always obvious—and that's what makes it dangerous," said Steve Wang, Manager, Sr. Divisional Claims for Mercury Insurance. "We're seeing more cases where consumers don't realize they're part of a scheme until it's too late. Whether it's a suspicious repair shop, a tow truck that shows up uninvited, or manipulated photos used in a claim, these tactics are designed to look legitimate."Traditional fraud—like staged collisions—still exists, but new tactics are rapidly emerging. Fraudsters are increasingly using digital tools to alter damage photos, impersonate legitimate businesses, and exploit consumers in vulnerable moments—especially after accidents or severe weather events. The National Insurance Crime Bureau warns that fraud activity often spikes following major disasters, when urgent repairs and confusion can make it easier for bad actors to take advantage.For consumers, the impact goes beyond financial loss. Fraud contributes to higher premiums, longer claims processing times, and increased scrutiny for legitimate claims."Every fraudulent claim drives up costs across the system," Wang added. "But beyond the financial impact, it can also delay help for people who genuinely need it after an accident or disaster."Mercury Insurance encourages consumers to stay alert and take a few key precautions: verify the identity of tow truck operators and contractors before accepting help, work with reputable or insurer-recommended repair shops, protect personal and policy information, document incidents thoroughly, and report suspicious activity as soon as possible.Mercury Insurance actively investigates suspicious claims and works with law enforcement and industry partners to combat fraud and protect customers. By combining advanced analytics with experienced claims professionals, Mercury aims to identify fraud early while ensuring legitimate claims are handled quickly and fairly."Education is one of the most powerful tools we have," Wang said. "When consumers know what to look for, they're far less likely to become victims."For more information about insurance fraud and how you can spot it, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook. Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: As Insurance Fraud Exceeds $40 Billion Annually, Consumers Face More Sophisticated, Harder-to-Detect Scams

Used Cars Still Dominate the Market; Prices Near $26,000March 19, 2026 12:00 PM
PR Newswire (US)

With nearly 37 million used vehicles sold annually — more than double new-car sales — Mercury Insurance shares smart buying tips as shoppers hunt for valueLOS ANGELES, March 19, 2026 /PRNewswire/ -- Used-car shoppers are entering a market that has changed dramatically since the pandemic, with higher prices, tighter inventories and stronger demand pushing many drivers toward the pre-owned market. Mercury Insurance (NYSE/NYSE Texas: MCY) is helping consumers navigate the process with guidance on vehicle safety, history reports and insurance considerations before making a purchase.The typical used vehicle now sells for about $26,000 nationwide, and affordable models under $15,000 can be difficult to find due to limited supply, according to pricing data from Kelley Blue Book. That pressure is partly driven by the rising cost of new vehicles. The average new-car transaction price is now around $47,000, pushing many buyers toward used options.Despite the challenges, demand remains strong. Americans purchased about 37.4 million used vehicles in 2024, more than twice the roughly 16 million new vehicles sold annually in the United States, according to studies from Cox Automotive and Wards Intelligence."The used-car market has become the entry point for millions of drivers," said Justin Yoshizawa, Director of Product Management at Mercury Insurance. "But a lower sticker price doesn't always mean lower overall costs. Buyers should look closely at safety features, vehicle history and insurance considerations so they understand the full picture before making a purchase."Industry data shows why the used market has remained tight. During the pandemic, automakers built fewer vehicles due to supply-chain disruptions and semiconductor shortages. Those missing production years mean fewer vehicles are now entering the used-car pipeline, keeping inventory constrained and prices elevated compared with pre-2020 levels.Mercury Insurance Tips for Buying a Used Car1. Check safety technology, not just mileage Advanced safety features such as automatic emergency braking, lane-departure warnings and blind-spot monitoring can reduce crash risk and insurance claims. These systems became more common in vehicles produced after the mid-2010s.2. Review the vehicle history carefully
A vehicle history report can reveal past accidents, flood damage or title issues. Even a low-mileage vehicle can carry hidden risks if it has significant prior damage.3. Compare insurance costs before buying
Insurance premiums can vary widely depending on the vehicle model, repair costs and safety ratings. Getting a quote before purchasing helps avoid surprises.4. Inspect the car — and consider a mechanic's review
A professional inspection can uncover issues that may not appear during a quick test drive.5. Watch the total cost of ownership
Fuel economy, maintenance costs and insurance premiums all affect what a vehicle truly costs over time.Tax Refund Season Can Drive Used-Car DemandTax refunds often provide the down payment many households need to purchase a vehicle. With new cars becoming increasingly expensive and inventories of budget vehicles still limited, experts expect used vehicles to remain a primary option for cost-conscious drivers this year."Buying used can still be a smart financial decision," Yoshizawa said. "The key is doing your homework — understanding the car's history, safety features and insurance implications so you know exactly what you're getting."For more information about new and used car buying, check out the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.





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Original: Used Cars Still Dominate the Market; Prices Near $26,000

40% Drop in Fuel Economy; Big Swings at the Pump; Why Your Driving Habits May Be Costing You More Than You ThinkMarch 17, 2026 12:00 PM
PR Newswire (US)

Mercury Insurance shares data-backed eco-driving techniques that can help reduce fuel costs and vehicle wearLOS ANGELES, March 17, 2026 /PRNewswire/ -- With gas prices fluctuating nationally in recent years, Mercury Insurance (NYSE/NYSE Texas: MCY) is highlighting how driver behavior can significantly influence fuel costs. According to the U.S. Department of Energy, aggressive driving — rapid acceleration and hard braking — can reduce fuel economy by up to 40% in city driving and 30% on highways, increasing annual fuel expenses by hundreds of dollars.For the average American driver, that inefficiency adds up quickly. AAA estimates that annual fuel costs can exceed $2,000 depending on vehicle type and region. A 30–40% reduction in fuel economy can translate into hundreds of dollars in additional fuel expenses each year — before factoring in the added wear on key vehicle components."Most drivers think of aggressive driving as a safety issue, but it's also a cost issue," said John Dicken, Director, Material Damage Claims at Mercury Insurance. "From a claims standpoint, we see how habits like hard braking and rapid acceleration accelerate wear on brakes, tires and suspension components. Smoother driving isn't just more efficient — it helps reduce preventable damage over time."The Hidden Cost of Driving AggressivelyFuel is only part of the equation.Brake replacement can range from $300 to $800 per axle, depending on the vehicle.A new set of tires can cost $600 to $1,200 or more.Poorly maintained or underinflated tires can lower gas mileage by roughly 0.2% for every 1 PSI drop in pressure, according to federal transportation data.Over time, inconsistent maintenance and aggressive driving habits compound these costs."Driving behavior directly impacts how often certain parts need to be replaced," Dicken added. "When drivers anticipate traffic, maintain steady speeds and keep up with routine maintenance, they reduce strain on their vehicle and potentially avoid unnecessary repair expenses."Practical Eco-Driving Tips That Make a Measurable DifferenceMercury Insurance recommends the following strategies to improve efficiency and reduce vehicle wear:Accelerate gradually: Avoid rapid starts and jackrabbit acceleration, which significantly reduce fuel economy.Brake smoothly and anticipate stops: Looking ahead and easing into stops reduces stress on brake systems.Maintain consistent speeds: Using cruise control on highways can help improve fuel efficiency.Keep tires properly inflated: Check tire pressure monthly and before long trips.Remove excess weight: Extra cargo and unused roof racks reduce efficiency and increase drag.Efficiency, Safety and SustainabilityThe Environmental Protection Agency reports that transportation accounts for roughly 28% of total U.S. greenhouse gas emissions. While vehicle technology continues to improve, individual driving behavior remains one of the most immediate ways drivers can reduce both fuel consumption and environmental impact."Small, consistent changes in how we drive can produce meaningful savings over time," said Dicken. "It's one of the simplest ways drivers can protect both their budget and their investment."For more information about efficient driving and other cost saving measures, visit the Mercury Blog.About Mercury Insurance
Mercury Insurance (NYSE/NYSE Texas: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: 40% Drop in Fuel Economy; Big Swings at the Pump; Why Your Driving Habits May Be Costing You More Than You Think

4,000+ Deaths; New Rules; What California Drivers Need to Know About 2026 Road LawsMarch 12, 2026 12:00 PM
PR Newswire (US)

New laws expand roadside safety rules, strengthen consumer protections and modernize DMV processesLOS ANGELES, March 12, 2026 /PRNewswire/ -- Several new California driving laws took effect January 1, 2026, aimed at improving roadway safety, strengthening consumer protections and modernizing Department of Motor Vehicles processes. According to Mercury Insurance, the new legislation reflects how driving is evolving in California — from increased roadside risks to emerging vehicle technologies — and underscores the importance of drivers staying informed about changes that could affect daily driving habits."These new laws reflect how quickly driving conditions, vehicle technology and enforcement priorities are evolving," said Justin Yoshizawa, Director of Product Management for Mercury Insurance. "Understanding the rules of the road isn't just about avoiding tickets — it's about protecting drivers, passengers and everyone who shares California's roads."Key Road Safety EnhancementsSeveral of the new statutes are designed to reduce traffic risks and better protect drivers, pedestrians and roadside workers.Ignition Interlock Devices Expansion (AB 366): Expands requirements for ignition interlock devices for drivers convicted of DUI offenses.Vehicular Manslaughter Penalty Increases (AB 1087): Increases penalties for intoxication-related vehicular manslaughter to reflect the severity of harm.Expanded "Slow Down, Move Over" Rule (AB 390): Requires drivers to slow down or change lanes for a broader range of stopped vehicles displaying hazard lights, not just emergency vehicles.License Plate Obstruction Penalties (AB 1085): Tougher restrictions and fines for license plate obstructions, including tinted covers or frames that hinder readability.Autonomous Vehicle Marker Lamps (SB 480): Requires external marker lamps to indicate when a vehicle is operating in autonomous mode.Off-Highway Electric Motorcycle Rules (SB 586): Updates operational regulations for electric off-highway motorcycles to clarify their legal use.Strengthened Consumer ProtectionsCalifornia lawmakers also passed measures aimed at protecting drivers and vehicle buyers.California Combating Auto Retail Scams (CARS) Act (SB 766): Limits junk fees and deceptive pricing in car sales and leases, requiring clearer up-front disclosure of total costs.DMV Website Name Restrictions (AB 1272): Restricts the use of "DMV" in third-party website names unless officially affiliated, helping consumers avoid misleading services.DMV Modernization and Equity MeasuresAdditional laws focus on improving access and fairness within DMV processes.Duplicate Driver's License After Address Change (SB 506): Allows drivers to request a duplicate license to reflect a new address.Parking Ticket Relief & Payment Plans (AB 1299): Expands options for parking ticket payment plans and reduced penalties for eligible drivers.What Drivers Should DoMercury Insurance encourages California drivers to familiarize themselves with the new laws and take steps to ensure compliance, including reviewing vehicle equipment, updating DMV information and understanding how changing regulations may affect every day driving.For more information about driver safety, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom. 





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Original: 4,000+ Deaths; New Rules; What California Drivers Need to Know About 2026 Road Laws

1.2 Million EVs Sold In the U.S. Last Year; Spring Break Road Trips Are Going ElectricMarch 10, 2026 12:00 PM
PR Newswire (US)

With travel season beginning in mid-March across much of the U.S., Mercury Insurance shares smart charging and safety tips for families hitting the roadLOS ANGELES, March 10, 2026 /PRNewswire/ -- Spring Break doesn't arrive all at once. From Florida beaches in early March to West Coast road trips in April, school calendars across the country stagger the season — but for many families, travel typically ramps up in mid-March. And increasingly, those trips are happening behind the wheel of an electric vehicle — a trend Mercury Insurance (NYSE/NYSE Texas: MCY) is closely tracking as EV ownership continues to grow nationwide.More than 1.2 million electric vehicles were sold in the U.S. in 2025, marking continued growth in EV adoption nationwide. Today, EVs account for roughly 8–9% of new vehicle sales, according to industry data, and AAA reports that nearly two-thirds of Americans would consider going electric for their next vehicle.That shift means more first-time EV road trippers navigating range planning, charging networks and battery performance in real-world conditions."Electric vehicles are no longer niche — they're mainstream," said Steve Ward, Director of Strategic Planning and Enterprise Risk Management at Mercury Insurance. "As more families choose EVs for Spring Break travel, preparation is key. Planning charging stops, understanding how weather impacts battery range and building in flexibility can turn a potential stress point into a smooth, confident road trip."The EV Road Trip RealityThe good news: the U.S. now has more than 60,000 public charging stations and more than 170,000 individual charging ports, with infrastructure expanding rapidly along major travel corridors.The planning reality: EV range can drop by 10% to 30% in cold or high-speed highway driving, depending on conditions. Add luggage, passengers and air conditioning — and range estimates can shift.Mercury Insurance recommends families take a proactive approach before heading out.Mercury's Spring Break EV Travel TipsPlan charging stops in advance.
Use route-planning tools that identify compatible fast chargers along your trip. Don't rely on a single charging location — have a backup in mind.Understand your true range. Highway speeds, elevation changes and cargo weight can reduce battery efficiency. Build in a range cushion instead of running down to single digits.Download charging network apps before departure. Set up accounts, payment methods and review station availability ahead of time to avoid delays at the charger.Check your charging equipment. Bring your portable charging cable and confirm it's in working condition — especially if you're staying at a vacation rental where home charging may be available.Review your insurance coverage. EVs often carry higher repair costs due to advanced battery systems and specialized parts. Make sure your coverage limits align with your vehicle's value.Prepare for traffic surges. Spring Break congestion can increase idle time and detours. Monitor traffic patterns and adjust charging strategy accordingly."Spring Break is about relaxation, not range anxiety," Ward added. "A little preparation — just like mapping your destination or booking a hotel — makes all the difference. With EV ownership growing every year, we want families to feel informed, confident and ready to enjoy the ride."As EV adoption continues to expand and infrastructure improves, road trips are increasingly electric. With the right planning, families can focus less on the battery gauge — and more on the beach, the mountains or wherever their Spring Break takes them.For more information about road trips and traveling in an EV, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: 1.2 Million EVs Sold In the U.S. Last Year; Spring Break Road Trips Are Going Electric

10,000 U.S. Storms Turn Severe Each Year -- Mercury Insurance Urges Pre-Storm ActionMarch 5, 2026 12:00 PM
PR Newswire (US)

 With 5,000 hail events and peak tornado months ahead, families urged to act nowLOS ANGELES, March 5, 2026 /PRNewswire/ -- The United States experiences roughly 100,000 thunderstorms each year — and about 10% escalate into severe storms capable of producing damaging hail, tornadoes and destructive wind. As peak tornado and hail season approaches, Mercury Insurance (NYSE/NYSE Texas: MCY) is urging homeowners and drivers to take preventive steps before the most volatile weather arrives.Spring is peak season for severe thunderstorms, especially in Texas and Oklahoma, where tornado activity ramps up from April through June.Texas led the nation in preliminary tornado reports in 2025 with 162 twisters, followed closely by Illinois with nearly 150 — a clear reminder of how frequently severe storms threaten homes and vehicles.Damage can escalate quickly. A single tornado near Houston in November 2025 damaged more than 100 homes.Risk isn't limited to the Plains. Georgia typically peaks from March through May, Illinois from April through June, and in the Northeast, New York and New Jersey see their highest tornado activity from June through August — extending the severe weather season well beyond spring."Severe weather can create significant damage in a matter of minutes, which is why preparation ahead of the season matters," said Steve Bennett, Head of Climate and Catastrophe Science at Mercury Insurance. "Reducing that risk often comes down to a few practical steps taken early — protecting vulnerable property, paying attention to forecasts, and understanding coverage before severe weather arrives."Regional Risk: Where Severe Weather Hits HardestTexas & Central Plains: Hail AlleyLarge hail can damage roofs, siding, solar panels and vehicles in minutes. Texas consistently leads the country in hail-related insurance claims.Prepare by:Parking vehicles under cover when severe weather is forecastInspecting roofing materials and sealing vulnerable areasTrimming trees and securing loose outdoor propertyMidwest & Southeast: Tornadoes and Destructive WindsHigh-wind events and tornadoes can cause structural roof failure, downed power lines and widespread debris damage.Prepare by:Reinforcing garage doorsSecuring patio furniture and outdoor equipment when severe weather is forecastReviewing wind coverage limits in homeowners policiesCalifornia: Atmospheric Rivers and Flood RiskCalifornia's severe weather looks different from the tornado and hail threats common in Texas and the Plains. Much of the state's weather-related property risk is tied to atmospheric rivers during the cooler months, when heavy rain can drive flooding, runoff and debris flows — especially in and below wildfire burn scars. On average, about 75% of California's annual precipitation falls from November through March.Prepare by:Clearing gutters and storm drainsMoving vehicles to higher ground during flood watchesEvaluating separate flood insurance coverage, as standard homeowners policies do not cover flood damageVehicles at Elevated Risk During Spring StormsHail, falling debris and flash flooding are leading drivers of spring auto claims. Comprehensive coverage typically protects against these perils."Vehicles are often exposed during fast-moving storm systems," Bennett said. "Covered parking, paying attention to weather alerts and understanding your coverage can significantly reduce both disruption and out-of-pocket costs."Why Acting Before the Storm MattersSevere storm losses have steadily increased due to expanding development in high-risk areas and rising material and labor costs. Proactive maintenance and risk awareness can help:Reduce claim severityPrevent secondary water intrusion damageShorten recovery timelines"Insurance helps families recover," Bennett added. "But resilience begins before the first weather warning."For storm preparation resources and coverage guidance, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: 10,000 U.S. Storms Turn Severe Each Year -- Mercury Insurance Urges Pre-Storm Action

160 Million Returns. Millions of Extensions. Insurance Documents Many OverlookMarch 3, 2026 12:00 PM
PR Newswire (US)

As taxpayers prepare to file, Mercury Insurance highlights key insurance paperwork that may be needed — and often forgotten.LOS ANGELES, March 3, 2026 /PRNewswire/ -- The IRS processes more than 160 million individual tax returns each year, and millions of taxpayers request filing extensions. While the agency does not categorize the specific reasons for extensions, consumer surveys consistently show many Americans feel unprepared at filing time — often citing difficulty gathering required documents.Mercury Insurance is encouraging homeowners and renters to review key insurance paperwork now, before deadlines approach."Tax season is ultimately about preparation," said Adam Bakonis, Sr. Product Manager at Mercury Insurance. "Insurance documents may not be the first thing people think about, but depending on your situation, they can play an important role. Knowing what you may need — and where to find it — can help prevent unnecessary stress."Insurance Documents That May Matter at Tax TimeMost personal insurance premiums are not tax-deductible. However, certain documents may be relevant depending on individual circumstances. Mercury recommends reviewing:Mortgage escrow statementsHomeowners whose insurance premiums are paid through escrow should confirm annual totals for accuracy and recordkeeping.Declarations pageThis summary document confirms coverage limits, policy periods and insured property during the tax year.Proof of premium paymentsIf a portion of a home is used exclusively for business purposes, insurance costs may be partially deductible. Taxpayers should consult a qualified tax professional to determine eligibility.Claims documentationIn federally declared disaster situations, casualty losses may qualify for tax treatment under IRS guidelines. Retain settlement summaries, repair estimates and claim statements.Personal property endorsementsHigh-value items or equipment tied to business use or disaster-related claims may require documentation.Accessing Documents QuicklyMost insurers, including Mercury, provide digital access to policy documents through secure online portals and mobile apps. Policyholders who have not set up online access are encouraged to do so well before filing deadlines."Digital access makes it easy to retrieve declarations pages, payment history and claims documentation without waiting for mailed copies," added Bakonis. "A few minutes of preparation now can make filing season smoother."Tax season also offers a natural checkpoint to review coverage following home renovations, high-value purchases or the start of a home-based business.For more information about homeowners and renters insurance coverage, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: 160 Million Returns. Millions of Extensions. Insurance Documents Many Overlook

Auto Theft Down 23% Nationwide. Tech-Driven Thefts Still Evolving.February 26, 2026 12:00 PM
PR Newswire (US)

49 States See Declines, but California Remains a Hotspot as Thieves Exploit Keyless Entry and OBD HacksLOS ANGELES, Feb. 26, 2026 /PRNewswire/ -- After years of increases, U.S. auto theft is finally trending downward — but the risk hasn't disappeared. Mercury Insurance (NYSE/NYSE Texas MCY) reviewed auto theft statistics dating back to 2023 to track and share insights from those learnings.According to the National Insurance Crime Bureau (NICB), 2025 saw a 23% decline in vehicle thefts compared to the same period in 2024, with 49 states reporting fewer incidents. That follows a 16.7% decrease in 2024 after thefts peaked in 2023, signaling a continued national slowdown. Still, theft levels remain elevated in key regions, particularly California, where more than 50% of statewide thefts occur in Southern California — especially Los Angeles County.At the same time, criminals are shifting tactics.Rather than traditional "smash and grab" break-ins, thieves are increasingly exploiting keyless entry systems, relay attacks and on-board diagnostic (OBD) port vulnerabilities to steal vehicles more quickly and quietly."While the number of auto thefts has been declining, incidents of crime still remain high, especially in California," said Justin Yoshizawa, Product Management for Mercury Insurance. "It remains important that vehicle owners stay vigilant in protecting their investments."Key Auto Theft Trends (2024–2026)Declining National Numbers23% decline in 2025 vs. 2024 (NICB)16.7% decline in 2024 after a 2023 peakTop Targeted VehiclesKia and Hyundai models have experienced some of the highest theft rates in recent yearsThe trend has shifted away from just full-size pickup trucksRegional ConcentrationOver 50% of California vehicle thefts occur in Southern CaliforniaLos Angeles County remains a primary hotspotEvolving Theft MethodsKeyless entry exploitationRelay attacks targeting unsecured key fobsOBD port hacking and ignition bypassesHigh Recovery RatesMore than 85% of stolen vehicles were recovered in 2023How Drivers Can Reduce RiskMercury Insurance encourages drivers to take proactive steps to protect their vehicles:Use Steering Wheel LocksHighly visible deterrents remain effective, particularly for high-target models such as Kia and Hyundai vehicles.Secure Key FobsStore keyless entry fobs in signal-blocking pouches to prevent relay attacks.Never Leave a Vehicle RunningEven brief stops increase vulnerability if a vehicle is left unlocked or idling.Consider Additional Anti-Theft DevicesKill switches, tracking devices such as Apple AirTags, and manufacturer-approved anti-theft technology may provide additional protection — and in some cases may qualify for insurance discounts."Mercury recommends that consumers stay up to date on the latest auto theft information," Yoshizawa added. "Staying ahead of the curve may prevent you from becoming a victim yourself."To learn more about auto theft and coverage, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Auto Theft Down 23% Nationwide. Tech-Driven Thefts Still Evolving.

AM Best Revises Outlooks to Stable and Affirms Credit Ratings of Mercury General Corporation and Its SubsidiariesFebruary 24, 2026 2:09 PM
Business Wire
AM Best has revised the outlooks to stable from negative and affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a” (Excellent) for the members of Mercury Casualty Group (Mercury). Concurrently, AM Best has revised the outlook to stable from negative and affirmed the Long-Term ICR of “bbb” (Good) of the organization’s publicly traded ultimate parent, Mercury General Corporation (MGC) (Los Angeles, CA) [NYSE: MCY]. AM Best has also revised the outlook to stable from negative and affirmed the Long-Term Issue Credit Rating of “bbb” (Good) of MGC’s $375 million, 4.4% senior unsecured notes, due 2027. (Please see below for a detailed list of Mercury’s member companies.)


These Credit Ratings (ratings) reflect Mercury’s balance sheet strength, which AM Best assesses as very strong, as well as its adequate operating performance, neutral business profile and appropriate enterprise risk management.


The outlooks have been revised to stable from negative due to uncertainty surrounding Mercury’s net ultimate losses and future reinsurance structure and costs following the California wildfires in January 2025. Mercury had exposure to the Palisades and Eaton wildfires, which were the costliest catastrophic events in Mercury’s history. However, net of reinsurance recoverables, the company recorded just $380 million in net catastrophe losses and loss adjustment expenses, compared with $2.2 billion on a gross basis, before taxes from the wildfires, as well as an additional $100.6 million for reinstatement premium. Reinstatement premium was paid due to Mercury having exhausted its catastrophe reinsurance limits for the 2025 treaty year. Mercury is also actively pursuing subrogation against Southern California Edison on the Eaton fire and has recorded an estimated $538 million in subrogation recoveries. The company sold its subrogation rights for the Palisades fire for $48 million.


At Dec. 31, 2025, Mercury reported policyholder surplus of $2.4 billion, a $362 million increase over prior year-end, as well as financial leverage of 19.2% and a combined ratio of 96.3% for 2025 despite the wildfires. The company also renewed its catastrophe reinsurance program on July 1, 2025. The current tower provides for $2.14 billion in limits compared with the previous tower of $1.29 billion.


AM Best notes that rated- and non-rated-related strategic initiatives previously implemented by management are continuing to improve underwriting profitability and should strengthen prospective underwriting performance.


The FSR of A (Excellent) and the Long-Term ICRs of “a” (Excellent) have been affirmed with the outlooks revised to stable from negative for the following members of Mercury Casualty Group:



American Mercury Insurance Company



California Automobile Insurance Company



California General Underwriters Insurance Company, Inc.



Mercury Indemnity Company of Georgia



Mercury Insurance Company of Georgia



Mercury Insurance Company of Illinois



Mercury Indemnity Company of America



Mercury Insurance Company of Texas



Mercury County Mutual Insurance Company



Mercury Casualty Company



Mercury Insurance Company



Orion Indemnity Company



This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Guide to Best's Credit Ratings. For information on the proper use of Best’s Credit Ratings, Best’s Performance Assessments, Best’s Preliminary Credit Assessments and AM Best press releases, please view Guide to Proper Use of Best’s Ratings & Assessments.


AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com.


Copyright © 2026 by A.M. Best Rating Services, Inc. and/or its affiliates. ALL RIGHTS RESERVED.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260224628561/en/
Billiah Moturi

Senior Financial Analyst

+1 908 882 2191

billiah.moturi@ambest.com


Alan Murray

Director

+1 908 882 2195

alan.murray@ambest.com


Christopher Sharkey

Associate Director, Public Relations

+1 908 882 2310

christopher.sharkey@ambest.com


Al Slavin

Senior Public Relations Specialist

+1 908 882 2318

al.slavin@ambest.com


Original: AM Best Revises Outlooks to Stable and Affirms Credit Ratings of Mercury General Corporation and Its Subsidiaries

Mercury Insurance Named as a Top Customer Service Provider in Financial Services for 2026 by USA TODAYFebruary 24, 2026 12:00 PM
PR Newswire (US)

Mercury joins nationally recognized financial services brands, such as American Express and Capital One in USA Today's ranking.LOS ANGELES, Feb. 24, 2026 /PRNewswire/ -- Mercury Insurance (NYSE/NYSE Texas: MCY) has earned a spot on USA Today's inaugural list of America's Best Customer Service providers in Financial Services for 2026, recognizing companies that consistently deliver high-quality customer experiences across the financial services landscape.Launched in 2026, the ranking is based on one of the most comprehensive customer service evaluations in the financial services industry. The research included:Feedback from more than 57,000 U.S. customersLarge-scale nationwide consumer surveysExtensive review analysis and independent validationCompanies were evaluated across key service criteria, including solution orientation, professionalism, transparency, and reliability. The recognition reinforces Mercury's long-standing belief that customer service is not just about resolving issues — it's about showing up clearly, quickly, and compassionately when people need help."This USA TODAY honor is especially meaningful because it's driven by customer feedback," said Gabriel Tirador, CEO of Mercury Insurance. "This recognition reinforces Mercury's core values by affirming that doing the right thing for people, taking ownership of outcomes, continuously improving, and moving with speed and purpose translates directly into real-world service experiences customers trust and value."Mercury's service philosophy is closely tied to its broader role in the communities it serves — from supporting families after severe weather events to helping drivers and homeowners better understand risk, preparation and protection."At its core, service experience is about trust," said Katie Gibbs, VP and Chief Experience Officer at Mercury Insurance. "We focus on creating experiences that are intuitive, responsive, and human. Whether someone is filing a claim, asking a question, or looking for guidance, our goal is to make those interactions feel supportive and straightforward."The America's Best Customer Service for Financial Services 2026 recognition highlights 500 top-performing companies nationwide and is awarded following a rigorous review process conducted in partnership between Plant-A Insights Group and the USA TODAY editorial team.For Mercury, the recognition serves as both validation and momentum — reinforcing the company's ongoing commitment to improving service experiences, strengthening community connections and earning customer trust every day.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





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Original: Mercury Insurance Named as a Top Customer Service Provider in Financial Services for 2026 by USA TODAY

2,800 Teen Deaths. 3x the Risk. Why the First Year Behind the Wheel is the Most DangerousFebruary 19, 2026 12:00 PM
PR Newswire (US)

Federal data shows drivers 16-19 are nearly three times more likely to be in a fatal crash – preparation, and protection matter.LOS ANGELES, Feb. 19, 2026 /PRNewswire/ -- The driver's license photo may be slightly awkward, but the milestone is unforgettable. For families, a newly licensed teen means independence, busy schedules — and a new set of responsibilities.Motor vehicle crashes remain one of the leading causes of death for U.S. teens, according to the Centers for Disease Control and Prevention (CDC). Data from the National Highway Traffic Safety Administration (NHTSA) shows drivers ages 16–19 are nearly three times more likely to be involved in a fatal crash than drivers 20 and older, per mile driven.The statistics are serious — but they're also manageable."With the right preparation, teen driving doesn't have to feel overwhelming," said Susan Irace, Manager, Divisional Claims at Mercury Insurance. "Experience is what young drivers are building. Parents can help shorten that learning curve with structure, technology and smart coverage decisions."Why the First Year MattersFederal safety data shows crash risk is highest in a teen's first year of independent driving. Night driving, teen passengers and distracted driving increase that risk — while seat belts, graduated licensing laws and supervised practice significantly reduce it.In 2023, more than 2,800 teens ages 13–19 were killed in motor vehicle crashes nationwide, according to the CDC. The encouraging news: teen crash rates have declined over time thanks to safer vehicles, graduated driver licensing programs and greater awareness of distracted driving.Three Proven Ways to Reduce Teen Driving RiskMercury encourages families to focus on preparation rather than panic.Coach Early and Often
Log supervised driving time in different conditions — highways, rain, nighttime.Create a simple written driving agreement outlining expectations.Limit teen passengers during the first year.Make seat belts non-negotiable.Let Technology HelpChoose vehicles with safety features like automatic emergency braking and blind-spot monitoring.Use telematics or safe-driving feedback tools to reinforce good habits.Activate smartphone "Do Not Disturb While Driving" settings.Review Insurance Before the Keys Change HandsAdd teens to your policy promptly.Revisit liability limits to protect family assets.Ask about good student and driver training discounts."Insurance is about preparation, not fear," added Irace. "When families combine active coaching with the right coverage, they're setting their teen up for safer miles ahead."Preparation Turns Risk Into ConfidenceThe first solo drive is a milestone — but preparation determines what comes next. By pairing common-sense coaching with today's vehicle safety technology and thoughtful insurance planning, families can support independence while managing risk responsibly.For teen driver safety tips and coverage guidance, visit the Mercury Insurance Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom





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Original: 2,800 Teen Deaths. 3x the Risk. Why the First Year Behind the Wheel is the Most Dangerous

Mercury General Corporation Announces Fourth Quarter and Fiscal 2025 Results and Declares Quarterly DividendFebruary 17, 2026 4:05 PM
PR Newswire (US)

LOS ANGELES, Feb. 17, 2026 /PRNewswire/ -- Mercury General Corporation (NYSE: MCY) reported today the fourth quarter and fiscal 2025 results:Consolidated Highlights

Three Months Ended December 31,
Change
Twelve Months Ended December 31,
Change
20252024
$%
20252024
$%(000's except per-share amounts and ratios)









Net premiums earned (2) $  1,445,404$  1,352,101
$     93,3036.9 %
$  5,505,613$  5,075,456
$  430,1578.5 %Net premiums written (1) (2) $  1,427,731$  1,314,933
$   112,7988.6 %
$  5,721,778$  5,378,310
$  343,4686.4 %Direct premiums written (1)$  1,490,371$  1,346,718
$   143,65310.7 %
$  5,982,537$  5,500,835
$  481,7028.8 %











Net realized investment gains (losses), net of tax (3)$             92$     (52,823)
$     52,915NM
$     103,781$      70,050
$    33,73148.2 %Net income$    202,547$    101,068
$   101,479100.4 %
$     541,094$    467,953
$    73,14115.6 %Net income per diluted share$          3.66$          1.82
$         1.84101.1 %
$           9.77$          8.45
$        1.3215.6 %











Operating income (1)$   202,455$   153,891
$     48,56431.6 %
$    437,313$    397,903
$    39,4109.9 %Operating income per diluted share (1)$         3.66$         2.78
$         0.8831.7 %
$          7.90$          7.19
$        0.719.9 %Catastrophe losses net of reinsurance (4)$     19,000$     41,000
$    (22,000)(53.7) %
$    508,000$    277,000
$  231,00083.4 %Combined ratio (5)88.6 %91.4 %
—   (2.8) pts
96.3 %96.0 %
—      0.3 pts

NM = Not Meaningful

(1)These measures are not based on U.S. generally accepted accounting principles ("GAAP"), are defined in "Information Regarding GAAP and Non-GAAP Measures" and are reconciled to the most directly comparable GAAP measures in "Supplemental Schedules."(2)Both net premiums earned and net premiums written for the twelve months ended December 31, 2025 include $101 million of increased ceded premiums due to the reinstatement premiums paid and recorded in the first half of 2025 to reinstate the fully exhausted reinsurance coverage layers of the Company's catastrophe reinsurance treaty ending June 30, 2025 following the Palisades and Eaton wildfires in January 2025.  (3)Net realized investment gains (losses) before tax were $0.1 million and $(66.9) million for the three months ended December 31, 2025 and 2024, respectively, and $131.4 million and $88.7 million for the twelve months ended December 31, 2025 and 2024, respectively. The changes in fair value of the Company's investments are recorded as part of net realized investment gains or losses in its consolidated statements of operations due to the adoption of the fair value option for its investments as permitted under GAAP.(4)The majority of 2025 catastrophe losses resulted from from the Palisades and Eaton wildfires in California and severe storms in Texas, Oklahoma and California. The majority of 2024 catastrophe losses resulted from tornadoes, hailstorms and convective storms in Texas and Oklahoma, winter storms, rainstorms and wildfires in California, and the impact of Hurricane Helene in Florida and Georgia. (5)The Company experienced favorable development of approximately $18 million and unfavorable development of approximately $8 million on prior accident years' loss and loss adjustment expense reserves for the three months ended December 31, 2025 and 2024, respectively, and favorable development of approximately $92 million and unfavorable development of approximately $25 million on prior accident years' loss and loss adjustment expense reserves for the twelve months ended December 31, 2025 and 2024, respectively. The year-to-date favorable development in 2025 was primarily attributable to lower than estimated losses and loss adjustment expenses in the automobile and homeowners lines of insurance business, including favorable development on the prior years' catastrophe losses. The year-to-date unfavorable development in 2024 was primarily attributable to higher than estimated losses and loss adjustment expenses in the commercial automobile and commercial property lines of insurance business, partially offset by favorable reserve development in the private passenger automobile line of insurance business.  Investment Results


Three Months Ended December 31,
Twelve Months Ended December 31,

2025
2024
2025
2024(000's except average annual yield)





Average invested assets at cost (1)
$    6,367,236
$  6,023,948
$   5,968,575
$     5,683,973Net investment income (2)(3)







     Before income taxes
$         84,493
$       73,262
$      328,701
$        279,989     After income taxes
$         71,598
$       61,491
$      276,214
$        235,419Average annual yield on investments - after income taxes (2)(3)
3.9 %
3.7 %
4.0 %
3.8 %








(1)Fixed maturities and short-term bonds at amortized cost; equities and other short-term investments at cost. Average invested assets at cost are based on the monthly amortized cost of the invested assets for each period.(2)Net investment income includes interest income earned on cash of $12.3 million and $6.9 million ($9.7 million and $5.4 million after tax) for the three months ended December 31, 2025 and 2024, respectively, and $50.7 million and $25.5 million ($40.1 million and $20.2 million after tax) for the twelve months ended December 31, 2025 and 2024, respectively. Average annual yield on investments does not include interest income earned on cash.(3)The higher net investment income before and after income taxes for the three and twelve months ended December 31, 2025 compared to the corresponding periods in 2024 resulted largely from higher average invested assets and cash combined with higher average yield. Average annual yield on investments after income taxes for the three and twelve months ended December 31, 2025 increased compared to the corresponding periods in 2024, primarily due to the maturity and replacement of lower yielding investments purchased when market interest rates were lower with higher yielding investments, combined with the higher average yield on investments purchased in 2025 using cash generated from operations compared to the average yield on overall investments in 2024. Gabe Tirador, the Company's CEO, commented on the 2025 results: "We are proud of our team's accomplishments in 2025. The Palisades and Eaton wildfires were the most significant catastrophes in Mercury's history, driving our first quarter combined ratio to 119.2%, but our business in subsequent quarters performed strongly ending with an 88.6% combined ratio in the fourth quarter and 96.3% for the full year. And our team demonstrated exceptional resilience and commitment to our policyholders, managing more than 2,900 wildfire claims and paying over $1.4 billion to date."The California Department of Insurance ("DOI") approved a 6.9% rate increase on the Company's California homeowners line of insurance business in December 2025. This rate increase is expected to become effective in July 2026. The California homeowners line of insurance business represented approximately 15% of the Company's total net premiums earned in 2025.The Board of Directors declared a quarterly dividend of $0.3175 per share. The dividend will be paid on March 26, 2026 to shareholders of record on March 12, 2026.Updated Information Regarding the Palisades and Eaton WildfiresIn January 2025, extreme wind-driven wildfires caused widespread damage across parts of Southern California, primarily in the communities of Pacific Palisades and Altadena. The two largest of these Southern California wildfires are known as the Palisades and Eaton wildfires. The Company recorded net catastrophe losses and loss adjustment expenses before taxes from the Palisades and Eaton wildfires of approximately $380 million in its consolidated statement of operations for the year ended December 31, 2025. The following table presents the components of net losses and loss adjustment expenses from the Palisades and Eaton wildfires as of December 31, 2025.
For the Twelve Months Ended December 31, 2025


(Amounts in thousands)Gross losses and loss adjustment expenses$            2,191,752Subrogation recoverable - Eaton fire (1) ***(537,506)Subrogation recovered and recoverable - Palisades fire (2) ***(48,026)Reinsurance recovered and recoverable (3) (1,293,500)Net catastrophe losses and loss adjustment expenses on Eaton and Palisades fires before FAIR Plan$               312,720

Company's share of FAIR Plan losses and loss adjustment expenses (4)$                 92,717Recoupable portion of FAIR Plan losses and loss adjustment expenses (5)(25,000)Net FAIR Plan losses and loss adjustment expenses$                 67,717

Net losses and loss adjustment expenses on Eaton and Palisades fires $               380,437__________ (1)The Company is actively pursuing subrogation against Southern California Edison ("SCE") on the Eaton fire. The Company recorded approximately $538 million in estimated subrogation recoveries, or approximately 55% of its estimated ultimate losses on the Eaton fire, as an offset against loss and loss adjustment expense reserves in its consolidated balance sheet at December 31, 2025, and thereby reduced losses and loss adjustment expenses by the same amount in its consolidated statement of operations for the year ended December 31, 2025. Although SCE has not admitted that its equipment caused the Eaton fire, significant evidence indicates that SCE's equipment was the cause of the Eaton fire. In addition, SCE has disclosed that it is probable that SCE will incur material losses from the Eaton fire and entered into a negotiated agreement without litigation with one insurance company to pay 52% of the losses incurred. For utility-caused California wildfires occurring since 2017 through 2024 where SCE and other utility companies settled the subrogation claims without admitting fault, such companies have paid out average amounts equal to over 60% of the losses incurred with a range as low as 55% to over 70%. The Company believes that SCE has the wherewithal to settle the subrogation claims on the Eaton fire in a similar range of settlement amounts as on the recent past wildfires. SCE also has access to the California Wildfire Fund (the "Fund") that provides additional funding to reimburse member utilities to pay wildfire claims; furthermore, SCE has stated that the administrator of the Fund has confirmed that the Eaton fire is a covered wildfire for purposes of accessing the Fund. Based on the grounds described above as well as management's estimates and assumptions derived from industry experience, including recent market interest in the acquisition of the Company's subrogation rights on the Eaton fire, the Company believes $538 million is a reasonable estimate of probable recovery on the Eaton fire. (2)In June 2025, the Company sold its subrogation rights on the Palisades fire to a third party for a guaranteed percentage of losses incurred plus a share in the amount recovered above a certain threshold ("Upside Recovery'). The recovery amount from the guaranteed percentage of losses is approximately $48 million, with $31 million received as of December 31, 2025. The remaining balance of approximately $17 million at December 31, 2025 will be settled each quarter based on the amount of claims payments the Company makes subsequent to the previous settlement date. The Company recorded the total sale price of approximately $48 million as an offset against losses and loss adjustment expenses in its consolidated statement of operations for the year ended December 31, 2025. The Company did not record an amount for the potential Upside Recovery.(3)The Company's catastrophe reinsurance program for the treaty year ended June 30, 2025 provides approximately $1,290 million of limits on a per occurrence basis after covered catastrophe losses exceed the Company's retention of $150 million. It also allows the Company to consider catastrophe events that occur within a 150-mile radius as a single occurrence or separate occurrences for reinsurance purposes. The Company treated the Palisades and Eaton wildfires as one event for reinsurance purposes exhausting the full $1,290 million of limits. The $1,290 million of limits used for the Palisades and Eaton wildfires was reduced by $6.5 million for ineligible parametric coverage. The Company also utilized $10 million from a separate property excess of loss reinsurance treaty making the total reinsurance used for the Palisades and Eaton wildfires approximately $1,294 million.(4)The Company is a member of the California FAIR Plan, the state's fire insurer of last resort. To the extent the FAIR Plan has losses exceeding its capital and reinsurance coverage, the FAIR Plan can assess its member companies for the shortfall based on each company's California market share. The FAIR Plan had significant losses from the Palisades and Eaton wildfires, and the Company's share of the FAIR Plan losses from the Palisades and Eaton wildfires was approximately $93 million (an amount based on information provided to the Company directly from the FAIR Plan), which was recorded as part of the Company's losses and loss adjustment expenses from the Palisades and Eaton wildfires in its consolidated statement of operations for the year ended December 31, 2025.(5)The FAIR Plan assessed the Company $50 million to strengthen the FAIR Plan's capital position following the Palisades and Eaton wildfires in the first quarter of 2025. The California DOI allows for recoupment of 50% or $25 million of the $50 million assessment via a temporary surcharge to the Company's policyholders. The Company has received approval from the California DOI to recoup the $25 million, which partially offset the Company's share of the FAIR Plan's losses of $93 million. Accordingly, the Company recorded a net loss of approximately $68 million for its share of the FAIR Plan's losses from the Palisades and Eaton wildfires in its consolidated statement of operations for the year ended December 31, 2025.

***Accounting Standards Codification ("ASC") 944-40-30-2 through 3 and Statement of Statutory Accounting Principles ("SSAP") No. 55 paragraph 15 require salvage and subrogation recoverables to be deducted from the liability for unpaid claims; therefore, loss and loss adjustment expense reserves on the Company's consolidated balance sheets is shown net of estimated salvage and subrogation recoverables, and losses and loss adjustment expenses on its consolidated statements of operations is shown net of salvage and subrogation. The Company applies this accounting method for salvage and subrogation in a consistent manner for both GAAP and statutory reporting purposes.As of December 31, 2025, the Company has paid out approximately $1,478 million for losses and loss adjustment expenses related to the Palisades and Eaton wildfires. The Company has received 100% of the reinsurance recoverable amounts billed to its reinsurers through December 31, 2025.The Company exhausted the catastrophe reinsurance limits for the treaty year ended June 30, 2025 on the Palisades and Eaton wildfires, which triggered a full reinstatement of the limits with payment of $101 million of reinstatement premiums. The reinstatement premiums paid were recorded as reductions to the Company's net premiums earned and written for the year ended December 31, 2025.Mercury General Corporation and its subsidiaries are a multiple line insurance organization offering predominantly personal automobile and homeowners insurance through a network of independent producers and direct-to-consumer sales in many states. For more information, visit the Company's website at www.mercuryinsurance.com.The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" for certain forward-looking statements. Certain statements contained in this report are forward-looking statements based on the Company's current expectations and beliefs concerning future developments and their potential effects on the Company. There can be no assurance that future developments affecting the Company will be those anticipated by the Company. Actual results may differ from those projected in the forward-looking statements. These forward-looking statements involve significant risks and uncertainties (some of which are beyond the control of the Company) and are subject to change based upon various factors, including but not limited to the following risks and uncertainties: changes in the demand for the Company's insurance products, inflation and general economic conditions, including general market risks associated with the Company's investment portfolio; the accuracy and adequacy of the Company's pricing methodologies; catastrophes in the markets served by the Company; uncertainties related to estimates, assumptions and projections generally; the possibility that actual loss experience may vary adversely from the actuarial estimates made to determine the Company's loss reserves in general, including subrogation recovery estimates; the Company's ability to obtain and the timing of the approval of premium rate changes for insurance policies issued in states where the Company operates; legislation adverse to the automobile insurance industry or business generally that may be enacted in the states where the Company operates; the Company's success in managing its business in non-California states; the presence of competitors with greater financial resources and the impact of competitive pricing and marketing efforts; the Company's ability to successfully allocate the resources used in the states with reduced or exited operations to its operations in other states; changes in driving patterns and loss trends; acts of war and terrorist activities; effects of changing climate conditions; pandemics, epidemics, widespread health emergencies, or outbreaks of infectious diseases; court decisions and trends in litigation and health care and auto repair costs; changes in global trade policies, including trade barriers or restrictions; and legal, cyber security, regulatory and litigation risks. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as the result of new information, future events or otherwise. For a more detailed discussion of some of the foregoing risks and uncertainties, see the Company's Annual Report on Form 10-K filed with the Securities and Exchange Commission.  MERCURY GENERAL CORPORATION AND SUBSIDIARIESSUMMARY OF OPERATING RESULTS(000's except per-share amounts and ratios)(unaudited)

Three Months Ended December 31,
Twelve Months Ended December 31,
2025
2024
2025
2024Revenues:






     Net premiums earned$    1,445,404
$ 1,352,101
$   5,505,613
$   5,075,456     Net investment income84,493
73,262
328,701
279,989     Net realized investment gains (losses)117
(66,865)
131,368
88,671     Other5,765
7,682
26,786
31,517          Total revenues$    1,535,779
$ 1,366,180
$   5,992,468
$   5,475,633Expenses:






     Losses and loss adjustment expenses919,435
925,394
3,963,031
3,684,511     Policy acquisition costs250,174
228,245
942,939
858,261     Other operating expenses110,231
81,506
394,226
327,157     Interest7,060
7,536
28,623
30,824          Total expenses$    1,286,900
$ 1,242,681
$   5,328,819
$   4,900,753







Income before income taxes248,879
123,499
663,649
574,880     Income tax expense46,332
22,431
122,555
106,927                    Net income$       202,547
$    101,068
$      541,094
$      467,953







Basic average shares outstanding55,389
55,378
55,389
55,373Diluted average shares outstanding 55,389
55,382
55,389
55,377







Basic Per Share Data






Net income$             3.66
$          1.83
$            9.77
$            8.45Net realized investment gains (losses), net of tax$                —
$        (0.95)
$            1.87
$            1.27







Diluted Per Share Data






Net income$             3.66
$          1.82
$            9.77
$            8.45Net realized investment gains (losses), net of tax$                —
$        (0.95)
$            1.87
$            1.26







Operating Ratios-GAAP Basis






Loss ratio63.6 %
68.4 %
72.0 %
72.6 %Expense ratio24.9 %
22.9 %
24.3 %
23.4 %Combined ratio (a)88.6 %
91.4 %
96.3 %
96.0 %
(a)         Combined ratios for the three months ended December 31, 2025 and 2024 do not sum due to rounding. MERCURY GENERAL CORPORATION AND SUBSIDIARIESCONDENSED BALANCE SHEETS AND OTHER INFORMATION(000's except per-share amounts and ratios)




December 31, 2025
December 31, 2024
(unaudited)

ASSETS


Investments, at fair value:


     Fixed maturity securities (amortized cost $5,449,726; $4,982,459)$             5,430,251
$              4,913,378     Equity securities (cost $728,460; $795,068)812,787
879,175     Short-term investments (cost $336,978; $283,792)336,992
283,817          Total investments6,580,030
6,076,370Cash1,315,574
720,257Receivables:


     Premiums751,554
697,176           Allowance for credit losses on premiums receivable (6,000)
(6,400)                   Premiums receivable, net of allowance for credit losses745,554
690,776     Accrued investment income73,004
67,630     Other86,508
62,118          Total receivables905,066
820,524Reinsurance recoverables (net of allowance for credit losses $39; $0)109,672
28,613Deferred policy acquisition costs359,724
335,332Fixed assets, net146,880
138,177Operating lease right-of-use assets12,125
13,407Deferred income taxes30,637
45,854Goodwill42,796
42,796Other intangible assets, net6,827
7,682Other assets51,338
81,620          Total assets$             9,560,669
$              8,310,632



LIABILITIES AND SHAREHOLDERS' EQUITY


Loss and loss adjustment expense reserves$             3,633,338
$              3,152,031Unearned premiums2,255,935
2,039,830Notes payable 574,527
574,128Accounts payable and accrued expenses448,703
417,765Operating lease liabilities12,328
13,580Current income taxes30,770
20,752Other liabilities187,793
146,022Shareholders' equity2,417,275
1,946,524          Total liabilities and shareholders' equity$             9,560,669
$              8,310,632



OTHER INFORMATION


Common stock shares outstanding55,389
55,389Book value per share$43.64
$35.14Statutory surplus (a)$2.39 billion
$2.03 billionNet premiums written to surplus ratio (a)2.39
2.65Debt to total capital ratio (b)19.2 %
22.8 %Portfolio duration (including all short-term instruments) (a)(c)4.4 years
3.4 yearsPolicies-in-force (company-wide "PIF") (a)


     Personal Auto PIF1,044
1,019     Homeowners PIF883
852     Commercial Auto PIF34
39



(a)       Unaudited.(b)       Debt to Debt plus Shareholders' Equity (Debt at face value).(c)        Modified duration reflecting anticipated early calls. SUPPLEMENTAL SCHEDULES






(000's except per-share amounts and ratios)(unaudited)







Three Months Ended December 31,
Twelve Months Ended December 31,
2025
2024
2025
2024







Reconciliations of Comparable GAAP Measures to Operating Measures (a)









Net premiums earned$        1,445,404
$        1,352,101
$     5,505,613
$     5,075,456     Change in net unearned premiums(17,673)
(37,168)
216,165
302,854Net premiums written$        1,427,731
$        1,314,933
$     5,721,778
$     5,378,310     Assumed premiums written(128)
(108)
(26,212)
(15,489)     Ceded premiums written62,768
31,893
286,971
138,014Direct premiums written$        1,490,371
$        1,346,718
$     5,982,537
$     5,500,835







Incurred losses and loss adjustment expenses$           919,435
$           925,394
$     3,963,031
$     3,684,511     Change in net loss and loss adjustment expense reserves (92,108)
(79,828)
(475,944)
(369,831)Paid losses and loss adjustment expenses$           827,327
$           845,566
$     3,487,087
$     3,314,680







Net income$           202,547
$           101,068
$        541,094
$        467,953     Net realized investment gains (losses) 117
(66,865)
131,368
88,671     Tax on net realized investment gains (losses) (b)25
(14,042)
27,587
18,621         Net realized investment gains (losses), net of tax92
(52,823)
103,781
70,050Operating income$           202,455
$           153,891
$        437,313
$        397,903







Per diluted share:






Net income$                 3.66
$                 1.82
$              9.77
$              8.45     Net realized investment gains (losses), net of tax—
(0.95)
1.87
1.26Operating income (c)$                 3.66
$                 2.78
$              7.90
$              7.19







Combined ratio



96.3 %
96.0 %     Effect of estimated prior periods' loss development



1.7 %
(0.5) %Combined ratio-accident period basis



98.0 %
95.5 %
(a)     See "Information Regarding GAAP and Non-GAAP Measures." (b)     Based on federal statutory rate of 21%.(c)     Operating income per diluted share for the three months ended December 31, 2024 does not sum due to rounding. Information Regarding GAAP and Non-GAAP MeasuresThe Company has presented information within this document containing operating measures which in management's opinion provide investors with useful, industry specific information to help them evaluate, and perform meaningful comparisons of, the Company's performance, but that may not be presented in accordance with GAAP. These measures are not intended to replace, and should be read in conjunction with, the GAAP financial results.Net income (loss) is the GAAP measure that is most directly comparable to operating income (loss). Operating income (loss) is net income (loss) excluding realized investment gains and losses, net of tax. Operating income (loss) is used by management along with the other components of net income (loss) to assess the Company's performance. Management uses operating income (loss) as an important measure to evaluate the results of the Company's insurance business. Management believes that operating income (loss) provides investors with a valuable measure of the Company's ongoing performance as it reveals trends in the Company's insurance business that may be obscured by the effect of net realized investment gains and losses. Realized investment gains and losses may vary significantly between periods and are generally driven by external economic developments such as capital market conditions. Accordingly, operating income (loss) highlights the results from ongoing operations and the underlying profitability of the Company's core insurance business. Operating income (loss), which is provided as supplemental information and should not be considered as a substitute for net income (loss), does not reflect the overall profitability of the Company's business. It should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of net income (loss) to operating income (loss).Net premiums earned, the most directly comparable GAAP measure to net premiums written and direct premiums written, represents the portion of premiums written that is recognized as revenue in the financial statements for the periods presented and earned on a pro-rata basis over the term of the policies. Net premiums written is a statutory financial measure which represents the premiums charged on policies issued during a fiscal period net of any applicable reinsurance; direct premiums written is such a measure before any applicable reinsurance. Net premiums written and direct premiums written are designed to determine production levels and are meant as supplemental information and not intended to replace net premiums earned. Such information should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of net premiums earned to net premiums written and direct premiums written.Incurred losses and loss adjustment expenses is the most directly comparable GAAP measure to paid losses and loss adjustment expenses. Paid losses and loss adjustment expenses excludes the effects of changes in the loss reserve accounts. Paid losses and loss adjustment expenses is provided as supplemental information and is not intended to replace incurred losses and loss adjustment expenses. It should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of incurred losses and loss adjustment expenses to paid losses and loss adjustment expenses.Combined ratio is the most directly comparable measure to combined ratio-accident period basis. Combined ratio-accident period basis is computed as the difference between two GAAP operating ratios: the combined ratio and prior accident periods' loss development ratio. Management believes that combined ratio-accident period basis is useful to investors and it is used to reveal the trends in the Company's results of operations that may be obscured by development on prior accident periods' loss reserves. Combined ratio-accident period basis is meant as supplemental information and is not intended to replace the GAAP combined ratio. It should be read in conjunction with the GAAP financial results. See "Supplemental Schedules" above for a reconciliation of GAAP combined ratio to combined ratio-accident period basis.  





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Original: Mercury General Corporation Announces Fourth Quarter and Fiscal 2025 Results and Declares Quarterly Dividend

Skipping Late-Winter Home Maintenance Can Cost Homeowners Thousands, Mercury Insurance WarnsFebruary 17, 2026 12:00 PM
PR Newswire (US)

Targeted maintenance steps can help homeowners limit unexpected repair expensesLOS ANGELES, Feb. 17, 2026 /PRNewswire/ -- As winter winds down, Mercury Insurance (NYSE/NYSE Texas: MCY) is encouraging homeowners to take advantage of late winter to tackle small maintenance projects that can help prevent thousands of dollars in avoidable repair costs once spring arrives. Addressing minor issues now can reduce the risk of larger, more expensive damage later in the year.Regular home maintenance isn't just about upkeep — it's a critical step in protecting long-term property value and avoiding financial strain. Industry research shows that the average delayed home repair now costs more than $5,600, with many homeowners postponing routine maintenance that could have prevented more serious damage. Nearly three-quarters of homeowners report delaying at least one repair, often underestimating how quickly minor issues can escalate.Deferred maintenance frequently compounds over time. Studies show that neglected home repairs can increase overall costs by approximately 7% per year, while homeowners who delay maintenance may ultimately pay three to five times more than they would have spent on preventive care. In addition to higher repair bills, ignoring routine upkeep can also lead to water intrusion, structural deterioration and reduced property value."Late winter is one of the smartest times for homeowners to focus on prevention," said Adam Bakonis, Sr. Product Manager, Property, at Mercury Insurance. "Many of the issues we see later in spring — water damage, roof leaks and HVAC failures — often start as small, manageable problems that could have been addressed earlier with routine maintenance."With the harshest winter weather typically behind them and before spring storms arrive, homeowners have a valuable opportunity to inspect and reinforce vulnerable areas of their homes.Why Late Winter Is the Right Time
Late winter offers a strategic maintenance window that allows homeowners to:Clear gutters and downspouts of debris that can contribute to water damage and ice damsHave roofs and attics inspected for loose shingles or moisture intrusion before spring rainCheck heating systems one final time before seasonal shutdownSeal gaps around doors and windows to improve efficiency and prevent moisture issuesMercury's Targeted Home Maintenance Checklist
To help homeowners prioritize, Mercury Insurance recommends focusing on:Roof, attic and gutter inspectionsHVAC system checks and tune-upsPlumbing inspections for leaksWeather-stripping and caulking around doors and windowsTesting smoke and carbon monoxide detectorsTaking these steps now can help homeowners avoid more costly repairs during peak storm and renovation seasons, when contractor availability and material costs are often higher.Through ongoing education and risk-prevention guidance, Mercury Insurance helps homeowners take proactive steps to protect their homes, manage risk and control long-term costs.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom





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Original: Skipping Late-Winter Home Maintenance Can Cost Homeowners Thousands, Mercury Insurance Warns

Presidents' Day Road Trips Offer a Chance to Explore America's History -- One Mile at a TimeFebruary 12, 2026 12:00 PM
PR Newswire (US)

From historic homes to scenic highways, long-weekend travel blends tradition, discovery and smart preparationLOS ANGELES, Feb. 12, 2026 /PRNewswire/ -- Presidents' Day weekend has long marked one of the first major travel periods of the year, and Mercury Insurance (NYSE/NYSE Texas: MCY) encourages drivers to take advantage of the extra day to explore destinations rooted in American history. From presidential landmarks and early founding sites to scenic highways shaped during pivotal moments in the nation's growth, the holiday offers a meaningful opportunity to reflect on the past — while preparing for the road ahead.Across the country, many historic routes and destinations remain within easy driving distance, making them ideal for a long weekend getaway. Whether it's touring a presidential library, visiting a historic hometown, or driving stretches of roadway that helped link communities together, these trips combine education, reflection and classic Americana."Presidents' Day is a natural moment to explore the stories that shaped the country — and road trips remain one of the most accessible ways to do that," said Justin Yoshizawa, Director of Product Management at Mercury Insurance. "A little preparation before hitting the road can help travelers focus on the experience itself, not unexpected setbacks."Popular presidential-themed road trip ideas include:Virginia: Drive from Mount Vernon to the National Mall, tracing the legacy of George Washington and the early foundations of American leadership.Illinois: Explore Springfield's Lincoln landmarks, including the Abraham Lincoln Presidential Library and historic home.New York: Tour the Hudson Valley, home to Franklin D. Roosevelt's residence and presidential library.California: Visit the Ronald Reagan Presidential Library in Simi Valley, paired with scenic coastal or valley drives.Georgia: Travel to Warm Springs, where FDR found restoration and led the nation through pivotal years.Route 66 states: Experience historic stretches of America's most iconic highway, shaped during the era that transformed interstate travel.Before heading out, Mercury encourages drivers to take a few simple steps to help ensure a smoother trip:Check vehicle readiness: Tires, brakes, windshield wipers and fluids should be inspected before departure.Plan for winter variability: Weather conditions can change quickly, especially in mountain or rural areas.Pack an emergency kit: Include water, snacks, phone chargers, flashlights and blankets.Allow extra time: Holiday traffic can increase congestion and fatigue risks.Road trips remain one of the most popular ways Americans travel, particularly for shorter holiday weekends. With thoughtful planning and awareness, Presidents' Day travel can be both meaningful and memorable — offering a chance to experience history while staying focused on safety along the way.For more seasonal travel guidance and vehicle safety tips, visit MercuryInsurance.com.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook. 





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Original: Presidents' Day Road Trips Offer a Chance to Explore America's History -- One Mile at a Time

Valentine's Day Jewelry Spending Tops $6 Billion - But Many Gifts May Be UnderinsuredFebruary 10, 2026 12:00 PM
PR Newswire (US)

As jewelry spending surges, Mercury Insurance warns many high-value gifts may exceed standard coverage limitsLOS ANGELES, Feb. 10, 2026 /PRNewswire/ -- Valentine's Day is one of the most popular times of year for gifting fine jewelry and other high-value items, from engagement rings and watches to heirloom pieces meant to last a lifetime. According to the National Retail Federation, Americans are expected to spend more than $6 billion on jewelry for Valentine's Day alone, making it the holiday's highest-spend gift category year after year. As spending peaks during the holiday, Mercury Insurance (NYSE/NYSE Texas: MCY) is encouraging couples to take a few proactive steps to help protect these meaningful investments before and after they're exchanged.While many shoppers focus on the emotional significance of a gift, its financial value is often overlooked — especially once the excitement of the moment passes. Without proper documentation or insurance consideration, valuable items may be under-protected or not covered as expected.Many standard homeowners and renters insurance policies include sub-limits for jewelry – often between $1500 and $2500, according to industry data – which may fall well short of the actual value of engagement rings, watches, or luxury gifts."High-value gifts tend to carry both deep sentimental meaning and significant financial value," said Larry Anderson, Director, Underwriting Operations at Mercury Insurance. "When a single piece of jewelry can easily exceed $5000 or more, it's important for consumers to understand how coverage limits work and whether additional protection is appropriate."Mercury's guidance for protecting jewelry and high-value giftsKeep purchase documentation
Save receipts, appraisals and certificates of authenticity. These records help establish value and make future coverage reviews more accurate.Consider a professional appraisal
Fine jewelry and luxury items may increase in value over time. An appraisal provides a current valuation that can help determine appropriate coverage. Appraisals are typically recommended every 3-5 years, especially as precious metal and gemstone prices fluctuate.Understand coverage limits
Standard homeowners or renters insurance policies often include limits for certain categories of personal property, including jewelry. Items that exceed those limits often require additional coverage. Industry limits often range from $1500 - $2500 for jewelry under standard policies.Review coverage after major life events
Engagements, weddings and anniversaries often come with new high-value purchases. These milestones are a good time to review policies and confirm protection keeps pace with life changes.Store items securely
Using a home safe or secure storage option can help reduce risk and preserve condition when items aren't being worn. According to insurance industry data, theft remains one of the most common causes of jewelry claims."As life evolves, so do the things we value most," Anderson added. "Regularly reviewing personal property coverage helps ensure protection stays aligned with what you actually own today — not what you owned years ago."With engagement season continuing well beyond Valentine's Day – and billions spent annually on jewelry during this period – Mercury encourages consumers to treat insurance reviews as part of responsible ownership, helping protect not just the gift itself, but the investment behind it.Valentine's Day consistently ranks among the top seasonal spikes for high-value jewelry purchases, making it a critical moment for consumers to reassess how those items are protected.For more information about protecting personal property and reviewing insurance coverage, visit the Mercury Blog.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.Media interested in receiving updates from Mercury can learn more at the Mercury Newsroom.





View original content to download multimedia:https://www.prnewswire.com/news-releases/valentines-day-jewelry-spending-tops-6-billion--but-many-gifts-may-be-underinsured-302684052.htmlSOURCE Mercury Insurance Services, LLC

Original: Valentine's Day Jewelry Spending Tops $6 Billion - But Many Gifts May Be Underinsured

Life Changes Fast; Homeowners Coverage Should Keep PaceFebruary 5, 2026 12:00 PM
PR Newswire (US)

Mercury Insurance encourages families to review policies as homes and households evolveLOS ANGELES, Feb. 5, 2026 /PRNewswire/ -- From moving into a new home to planning a renovation or welcoming a new driver into the household, major life changes often come with long to-do lists. What's easier to miss is how those moments can quietly affect homeowners insurance. Mercury Insurance (NYSE/NYSE Texas: MCY) is reminding families that keeping policy details up to date helps ensure coverage continues to reflect the home as it exists today.The beginning of the year is a common planning season for homeowners, with moves, remodels and upgrades often taking shape early in the year. These changes can influence a home's characteristics, usage or value — details that play an important role in how coverage is evaluated and maintained over time."When a home changes, the information behind the policy should change with it," said Sylvie Widjaja, Head of Sales Process & Engagement at Mercury Insurance. "A quick review after major life events helps ensure the coverage on file still matches the home and how a family is living in it — not how it looked years ago."Common milestones that may prompt a policy review include purchasing a new home, completing renovations, converting rooms for new uses, adding high-value items or experiencing changes in household drivers. Updating information early can help homeowners avoid mismatches between their policy and their current situation.Mercury encourages homeowners to connect with their insurance agent following major life events or during annual planning moments, such as the start of the year. Taking a few minutes to review details can help keep coverage aligned — offering clarity, confidence and fewer surprises down the road.About Mercury InsuranceMercury Insurance (NYSE/NYSE Texas: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.





View original content to download multimedia:https://www.prnewswire.com/news-releases/life-changes-fast-homeowners-coverage-should-keep-pace-302680440.htmlSOURCE Mercury Insurance Services, LLC

Original: Life Changes Fast; Homeowners Coverage Should Keep Pace

Mercury Insurance and Anaheim Ducks Celebrate Community Changemakers with First Class of Hall of Heroes InducteesFebruary 3, 2026 12:00 PM
PR Newswire (US)

Six Local "Wing Leaders" Recognized for Making a Lasting Impact Across Orange CountyBREA, Calif., Feb. 3, 2026 /PRNewswire/ -- Mercury Insurance, in partnership with the Anaheim Ducks, today announced the induction of six exceptional community heroes into the Ducks Hall of Heroes, a recognition program honoring individuals whose passion, service and leadership make a meaningful difference in their communities.The Hall of Heroes celebrates everyday people doing extraordinary work in their communities. Known as Wing Leaders, these inductees' commitment to service reflects the Ducks' and Mercury's shared belief that strong communities are built by those willing to show up, give back and lead by example."These inaugural Wing Leaders represent the very best of us," said Erik Thompson, VP and CMO at Mercury Insurance. "They don't seek recognition — they see a need and take action. Mercury is proud to partner with the Ducks to shine a spotlight on individuals who are improving lives, strengthening neighborhoods and inspiring others to do the same.""The Hall of Heroes is about honoring the people who make our communities better every day. These six inductees embody compassion, creativity and resilience, and their impact reaches far beyond the rink," said Chad Watson, VP, Corporate Partnerships for the Anaheim Ducks. "We're proud to recognize them as Wing Leaders and grateful to partner with Mercury Insurance to celebrate their work."2025 Wing LeadersAce Christopherson-Bilbruck (Coto De Caza)
At just 10 years old, Ace is already making a big impact through the Ace of Hearts Project, an initiative dedicated to lifting the spirits of children in need. What began as a simple effort to bring smiles has grown into a year-round mission of friendship, delivering toys and heartfelt letters to children who need them most.Jacob Baruch (Long Beach/Santa Ana)
Jacob founded Project Coffee Cup in 2015 to spread kindness to unhoused individuals in his community. Today, the organization provides hot meals, hygiene kits, pet food and medical resources, while also mentoring local youth through art-based programs that build confidence and connection.RJ De Rama (Irvine)
A survivor of retinoblastoma, RJ channels his journey into advocacy and inclusion. As co-founder of the OC Makapo Aquatics Project, he helps bring mixed-ability outrigger paddling to the community. He also serves on the City of Irvine's Residents with Disabilities Advisory Committee, championing accessibility and engagement.Danielle Judd (Trabuco Canyon)
Founder and CEO of FarmHouse Friends, Danielle brings comfort and joy to children battling cancer through rescued farm animals, Smile Boxes and virtual farm experiences. Inspired by her own healing journey, she connects families with moments of hope while providing a safe, loving environment for animals in need.Yvonne Temal (Anaheim)
As Vice President of We Explore Earth, Yvonne helps lead inclusive outdoor and conservation experiences for communities across Orange County and beyond. Her work ensures people of all ages and abilities can access the educational and healing benefits of nature.Mike Anderson (Anaheim)
A music industry veteran of more than 50 years, Mike co-founded R.Y.T.M.O., a nonprofit that has provided music education and opportunities to more than 55,000 underserved youth worldwide. He continues to mentor artists, advocate for music education and serve as Board President of Vibrant Minds Charter School.Photos of the inductees are available upon request.About the Ducks Hall of HeroesThe Anaheim Ducks Hall of Heroes honors local changemakers who demonstrate leadership, compassion and a commitment to community. Mercury and the Ducks select one nominee for induction each month during the season. Inductees are honored with a home game VIP experience. To nominate a hero, learn more about the program and inductees, or view the Hall, visit https://www.nhl.com/ducks/info/hall-of-heroes.About the Anaheim Ducks The Anaheim Ducks were born in 1992 and played their first-ever game on Oct. 8, 1993 at Honda Center (then Arrowhead Pond of Anaheim). One of 32 NHL franchises located throughout the United States and Canada, the Ducks have played to over 90% capacity crowds in their history at the 17,174-seat Honda Center. On June 20, 2005, the Ducks franchise was purchased by Orange County residents Henry and Susan Samueli. By securing the first Stanley Cup championship in franchise history in 2007, the club also became the first team from California to win hockey's ultimate prize. The Ducks have reached the Conference Finals five times (2003, 2006, 2007, 2015 & 2017) and the Stanley Cup Final twice (2003 & 2007). The club has won six Pacific Divisions titles in franchise history, including five straight from 2013-17. About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.





View original content to download multimedia:https://www.prnewswire.com/news-releases/mercury-insurance-and-anaheim-ducks-celebrate-community-changemakers-with-first-class-of-hall-of-heroes-inductees-302677822.htmlSOURCE Mercury Insurance Services, LLC

Original: Mercury Insurance and Anaheim Ducks Celebrate Community Changemakers with First Class of Hall of Heroes Inductees

MERCURY INSURANCE ENCOURAGES SMART POST-STORM STEPS TO PROTECT HOMESJanuary 27, 2026 5:00 PM
PR Newswire (US)

With Temperatures Rising and Falling, Early Action Can Help Reduce Water Damage and Speed RecoveryLOS ANGELES, Jan. 27, 2026 /PRNewswire/ -- As communities across the U.S. begin recovering from a weekend of snow, ice and freezing temperatures, Mercury Insurance (NYSE: MCY) (NYSE Texas: MCY) is encouraging homeowners and business owners to take simple, preventive steps to reduce the risk of post-storm damage — especially interior water loss, one of the most common and costly causes of property damage nationwide.While the worst of the storm may have passed, fluctuating temperatures in the days ahead can create new risks. Frozen pipes may crack and leak as they thaw, snow buildup can restrict ventilation or strain structures, and unsafe generator use can create serious health hazards."Recovery doesn't end when the snow stops falling," said Bonnie Lee, VP, Property Claims at Mercury Insurance. "Taking a few proactive steps now can help prevent minor issues from turning into major disruptions for families and businesses."To support safer recovery, Mercury is sharing winter guidance developed by the Insurance Institute for Business & Home Safety (IBHS) — a nationally recognized, nonprofit research organization focused on reducing property damage through building science and real-world testing.Steps Home and Business Owners Can Take After a Winter StormBased on IBHS Winter Ready recommendations, Mercury encourages property owners to:Know where your main water shutoff valve is located. A frozen pipe may make its presence known while ice is still in the line due to the enormous pressure buildup behind the ice, or begin leaking as temperatures rise if the break occurred at the point of ice buildup. If you notice sudden changes in water pressure, no or low water flow, or unexplained moisture on walls, ceilings or floors, shut off the main water supply to your home immediately and contact a licensed plumber.Clear snow safely and early. Remove snow from walkways and from around furnace and dryer exhaust vents to maintain safe airflow and access.Address snow accumulation on structures. Heavy snow on roofs, garages and sheds can increase the risk of ice dams and structural stress. Roof snow removal should be handled by licensed and bonded professionals to avoid injury or damage.Use generators with extreme caution. Portable generators should only be operated outdoors, never in garages or enclosed areas, and positioned well away from windows and doors to prevent carbon monoxide exposure.Document any damage promptly. Take photos or video of affected areas and contact your insurance professional if your property has sustained damage."Interior water damage often starts quietly — behind walls or in attics — and escalates quickly," said Sarah Dillingham, Senior Meteorologist at IBHS. "Understanding where vulnerabilities exist and acting early can significantly reduce the likelihood and severity of damage as temperatures continue to fluctuate.Interior water losses remain one of the most frequent insurance claim types nationwide, particularly following freeze events when plumbing systems are stressed by rapid temperature changes, and especially if power failures persist.Mercury encourages property owners to stay alert in the days following winter weather and to focus on prevention, safety and early action — steps that can make recovery faster and far less costly.For additional post-storm guidance and recovery tips, visit ibhs.org/winterready.About Mercury InsuranceMercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook.





View original content to download multimedia:https://www.prnewswire.com/news-releases/mercury-insurance-encourages-smart-post-storm-steps-to-protect-homes-302671031.htmlSOURCE Mercury Insurance

Original: MERCURY INSURANCE ENCOURAGES SMART POST-STORM STEPS TO PROTECT HOMES

MCY new 52 week high

~ $MCY ~ Earnings posted, pending or coming soon! In Charts and Links Below!

~ $MCY ~ Earnings expected on Monday *
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One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








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*If the earnings date is in error please ignore error. I do my best.

Mercury General Corporation (Mercury General), through its subsidiaries, is primarily engaged in writing automobile insurance in a number of states, principally California. Mercury General also writes homeowners, mechanical breakdown, fire, umbrella, and commercial automobile and property insurance. The Company offers automobile policyholders various types of coverage, such as bodily injury liability, underinsured and uninsured motorist, personal injury protection, property damage liability, comprehensive, collision and other hazards. It sells its policies through approximately 5,700 independent agents and brokers, of which over 1,100 are located in each of California and Florida. The remaining agents and brokers are located in Georgia, Illinois, Texas, Oklahoma, New York, New Jersey, Virginia, Pennsylvania, Arizona, Nevada, and Michigan. No independent agent or broker accounted for more than 2% of its direct premiums written during the year ended December 31, 2010.

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