Mercury Auto Insurance

Mercury Insurance Group's value-added auto insurance coverage protects against a wide range of costs and dameges, including those associated with injury to others (liability) or property damage, injuries to you caused by another driver (medical expenses) and damage to your vehicle (collision and comprehensive). And in some of the states, roadside emergency assistance is also available when you purchase Towing and Labor Costs Coverage. Mercury Insurance recognizes that not everyone has the same insurance needs. To respond to those unique differences we created these facts to help every one.

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Q: I own an old car whose current value is very low - do I need any auto insurance?

A: Most states have enacted compulsory insurance laws that require drivers to have at least some auto insurance (Liability Part "A" of the Mercury auto insurance policy). These laws were enacted to ensure that victims of accidents are compensated when their losses are caused by someone else being negligent.

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Q: Do I need Collision and Comprehensive coverage, what is the difference?

A: Mercury auto insurance policy jacket, Part "D" explains Collision and comprehensive coverage. Collision is defined as losses you incur when your auto collides with another car or object. For example, if you hit a car in a parking lot, damages to your car will be paid under your collision coverage. Comprehensive which also named as other than collision covers most other direct physical damage losses. For example, damage to your car from a hailstorm will be covered under comprehensive coverage. It's important to know the differences between collision and comprehensive coverage to make an informed buying decision. Also keep in mind that your deductibles in these two categories may be different.

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Q: What is my duty after an accident?

A: Your responsibilities after you have an accident are prescribed both by state law and by your insurance contract. Obviously, the first thing you should do is be sure everyone is all right and call an ambulance if needed. Second, for most accidents in most states, the police should be notified. Third, give the other driver(s) involved your name, address, telephone number, and the name of your insurance company and/or your insurance agent. Get this same information from the other driver(s). Fourth, as soon as possible, contact either your insurance agent or your insurance company to notify them that you have been in an accident. Finally, there are conditions in the insurance contract you must satisfy to receive compensation from your insurer. For example, you must cooperate with your insurer during any investigation during the claims settlement process. Not completing any of these actions can result in non-payment by your insurance company for losses that otherwise would have been covered. For a more comprehensive response to this question please read our article at our home page.

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Q: What discounts are available to me, How can I lower my insurance rates?

A: If you shop for auto insurance, be careful to make sure each insurer is offering the same coverage, i.e. compare apple to apple. Another way to lower costs is to look for discounts that may apply to you. For example, many insurers as well as the Mercury insurance Group will offer a discount if you insure multiple cars under the same policy. Be sure to ask your agent or your auto insurance company about their discount plans. Another easy way to save is to increase your deductible. Simply bumping a deductible from $250 to $500 can lower your premium - sometimes by as much as 5 or 10 percent. However, make sure you have the financial resources necessary to handle the larger out-of-pocket costs in the event of an accident.

Mercury automobile insurance policy also offers other available discounts like:

Multi policy Discount

Good driver

Theft deterrent discount like Alarm or Low jack

Multi car discount.

Good student discount

Affinity discount, being member of certain groups like scientist, Medical associations, Lawyers, engineers and architects.

Senior Defensive Driver Improvement

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