International Access | Mercury Insurance (2024)

FAQs

How do you answer insurance claim questions? ›

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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.

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.