International Access | Mercury Insurance (2024)

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International Access | Mercury Insurance (2024)


How do you answer insurance claim questions? ›

Below are some best practices to consider:
  1. Contact a lawyer. ...
  2. Keep in mind that despite the friendliness of the person taking your statement, that person is not your friend. ...
  3. Ask specifically that your statement not be recorded. ...
  4. Give brief answers. ...
  5. Don't volunteer information. ...
  6. Answer only the question asked.

Is AIS the same as Mercury Insurance? ›

Is AIS the same as Mercury? AIS is a wholly owned subsidiary of Mercury Casualty Company. This means that AIS is a part of Mercury Casualty, though it (AIS) operates independently from its parent company.

What is a $500 deductible for a collision? ›

Deductibles in car insurance

Let's say the collision coverage on your car insurance policy has a $500 deductible. You damage your car in a covered accident. It costs $3,000 to repair. You'd pay $500 toward repairs, and your insurer would cover the remaining $2,500.

How much is the cancellation fee for Mercury Insurance? ›

Mercury charges a cancellation fee of 10% of your remaining premium, so if you still owe $300 on your policy, you'll pay a $30 penalty fee to cancel coverage.

What not to say when talking to an insurance adjuster? ›

When describing an accident to an insurance adjuster, do not say anything beyond what you experienced directly. You do not want to speculate about what happened because you could accidentally blame yourself. The insurance company could then have a good excuse to reduce your compensation.

What is insurance best answer? ›

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.

Who owns AIS insurance? ›

AIS is an independently operated and wholly-owned subsidiary of Mercury Casualty Company, a California corporation.

Is Mercury the cheapest insurance? ›

According to our analysis of full-coverage car insurance rates from Quadrant Information Services, Mercury Insurance is the cheapest full coverage provider in California with average estimated rates of $146 per month or $1,748 per year.

What is covered by AIS? ›

It covers the needs of people who are deaf/Deaf, blind, or deafblind, or who have a learning disability. This includes interpretation or translation for people whose first language is British Sign Language. It does not cover these needs for other languages.

Is it better to have a $500 deductible or $1000? ›

If you're more likely to get into an accident, you won't want to pay out a higher deductible. However, if you're generally a safer driver, your car insurance premiums will be lower with a $1,000 deductible.

What if damage is less than deductible? ›

You'll pay for all the repairs out of pocket because the cost is lower than your deductible amount.

What does it mean if my deductible is $1000? ›

For example, if you have a health insurance policy with a $1,000 deductible and you receive a medical bill for $2,000, you would be responsible for paying the first $1,000 and your insurance would cover the remaining $1,000.

Is Mercury Insurance any good? ›

Mercury earned a Bankrate Score of 3.8 out of 5.0 for auto insurance. To determine this score, our team of insurance experts looked at customer satisfaction scores from J.D. Power, which provides annual reviews of insurance companies based on consumer feedback.

Do you get money back when you cancel insurance? ›

Receiving an insurance refund will largely depend on why you're canceling the policy and how much of the premium you paid in advance. If you pay your full premium upfront, then you'll typically get a refund when you cancel your policy.

How long is Mercury Insurance grace period? ›

The grace period in California for getting car insurance after purchasing a used vehicle is usually 2 to 30 days.

How do you answer an insurance adjuster question? ›

Remember this motto: Stick to the basic facts. Don't add opinions such as who's at fault, what triggered the crash, or what the damages might be. More importantly, don't lie or even embellish the facts, as this can compromise your insurance claim and become grounds for serious legal trouble.

How do you explain an insurance claim? ›

An insurance claim is a formal request from the policyholder to their insurance company asking for payment after a covered incident, such as a hospital stay, a natural disaster, theft, and more.

How do you write a response to a claim? ›

Answering the Claims for Relief

On a separate page or pages, write a short and plain statement of the answer to the allegations in the complaint. Number the paragraphs. The answer should correspond to each paragraph in the complaint, with paragraph 1 of the answer corresponding to paragraph 1 of the complaint, etc.

How do I argue an insurance claim? ›

Steps to Appeal a Health Insurance Claim Denial
  1. Step 1: Find Out Why Your Claim Was Denied. ...
  2. Step 2: Call Your Insurance Provider. ...
  3. Step 3: Call Your Doctor's Office. ...
  4. Step 4: Collect the Right Paperwork. ...
  5. Step 5: Submit an Internal Appeal. ...
  6. Step 6: Wait For An Answer. ...
  7. Step 7: Submit an External Review. ...
  8. Review Your Plan Coverage.


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