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Can I Sue Mercury Insurance After A Car Accident?

Legally reviewed by: Miriam Domer November 22, 2023
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Yes, you have the right to sue Mercury Auto Insurance after a car accident and there are several reasons why you may want to go this route.

You may have been offered a lowball payout or your claim may have been unjustly denied — both examples of how Mercury Auto Insurance can act in bad faith toward policyholders.

No matter the reason, if Mercury Auto Insurance acted in bad faith and you are still owed compensation, you may want to consider taking legal action with a lawsuit.

If you have decided that a lawsuit is the right course of action for you, contact LegalFinders today to get started with a free case evaluation with a personal injury attorney in your area.

Close up of a Mercury auto insurance agent showing the woman customer where to sign the car insurance claim form

What To Know About Suing Mercury Auto Insurance For An Insurance Claim

The first thing you must consider when suing Mercury Auto Insurance for an accident claim is whether you live in an at-fault or a no-fault state.

This information will play a large role in your case and will determine whether you file your lawsuit against your own car insurance company or that of the other driver.

The majority of states have at-fault insurance laws, which means that you would file your lawsuit against the insurance company for the at-fault driver.

Is Suing Mercury Auto Insurance The Same As An Insurance Claim?

A lawsuit against Mercury Auto Insurance and filing a Mercury insurance claim are not the same thing, although both are done in order to seek financial compensation after an accident.

An insurance claim is filed first, with either the driver’s own insurance company or the at-fault driver’s insurance company, depending on what state they live in.

If the claim is denied, or if Mercury Auto Insurance acts in any way that could be considered bad faith, the claimant may file a lawsuit against the insurance company.

An experienced car accident attorney can help you decide if this is the course of action you want to take, as well as help you determine if you are eligible for such a case.

Eligibility For Filing A Car Accident Lawsuit Against Mercury Auto Insurance

There are a few different instances in which a person would be found eligible for an auto accident claim or lawsuit against Mercury Auto Insurance, most of which involve the company acting in bad faith.

Examples of how a car insurance company can act in bad faith include:

  • Denying a claim without conducting a proper investigation first
  • Denying a claim without giving a proper reason for doing so
  • Extending a settlement offer far below what the claim calls for
  • Delaying the claims process or delaying payments once a claim has been settled

Acts of bad faith from an insurance company are not always obvious or clear, but you can speak with a car accident attorney if you are unsure of your eligibility.

What Type Of Lawsuit Can You File Against Mercury Auto Insurance?

Most lawsuits against Mercury Auto Insurance fall into either one of two categories, depending on the types of injuries that occurred in the accident:

  • Personal injuries lawsuits are filed when an accident results in property damage and serious injury for which the claimant desires to be compensated.
  • Wrongful death lawsuits occur if there were fatalities in the accident that call for financial compensation.

Regardless of which type of lawsuit you are filing, it can be beneficial to work with an experienced attorney throughout the legal process.

Factors In Car Accident Lawsuits Against Insurance Companies

When filing a lawsuit against a car insurance company like Mercury Auto Insurance, there are several factors to take into account.

Factors that can affect car accident lawsuits against insurance companies include:

  • The final amount of all medical expenses incurred
  • Whether any of the drivers were uninsured at the time of the accident
  • Whether there are any disputes about who was at fault for the accident
  • The severity of the injuries and what the recovery is expected to be like
  • If there is enough evidence to support the victim’s claims

How To Sue Mercury Auto Insurance After An Auto Accident

There are several steps that you can take if you are considering suing Mercury Auto Insurance after an auto accident.

1. Get A Free Case Evaluation With A Car Accident Lawyer

Case reviews with car accident attorneys should always be at no cost to you. This is to ensure that you can determine your eligibility without any risk to your finances.

During this initial consultation with a lawyer, you can also get legal advice and an idea of how to proceed with your case and what other options you may have.

2. File Your Car Accident Claim

It is very important that all your paperwork is filled out and submitted correctly and your claim is filed on time, otherwise you could lose your opportunity to file a claim.

In addition, make sure that you are aware of what the statute of limitations for this type of case is in your state.

3. Start Settlement Negotiations

Settlement negotiations can be one of the more complicated steps in the claims or lawsuit process, but they don’t have to be if you are working with a top-quality lawyer.

During this stage, lawyers from both parties will work with adjusters and negotiate back and forth until a fair settlement amount is agreed upon.

4. Move Your Lawsuit To Court

In the rare event that both parties involved in your case are unable to reach a settlement, you do have the option to move your lawsuit to court.

Moving your case to court will increase both the length of your case and all associated costs, so personal injury lawyers generally try to avoid this outcome when they can.

Evidence You Need To Sue Mercury Auto Insurance

Having strong evidence to back up a claim can make or break a person’s case, so it is essential to have as much vital evidence as possible.

Evidence needed for a lawsuit against Mercury Auto Insurance can include:

  • Medical records
  • Photos from the scene of the accident and of all vehicles
  • An accident report or police report
  • Personal statement
  • Testimonials from accident witnesses

It is not always possible to collect this information at the scene of an accident, especially if there are serious injuries. Try to collect contact information from all drivers involved so you can follow up later.

Mercury Auto Insurance Coverage And How It Affects Lawsuits

Mercury Auto Insurance offers five different types of insurance coverage that can affect an accident victim’s personal injury claim or lawsuit.

Types of auto insurance coverage offered by Mercury Auto Insurance include:

  • Liability coverage: protects the policyholder in the event that they are found at-fault and liable for an accident.
  • Collision coverage: protects the policyholder in a number of different incidences, including accidents, regardless of which driver is found to be at fault.
  • Comprehensive coverage: protects the policyholder from non-accident events, such as collisions with animals, natural disasters, theft, and falling objects.
  • Personal injury protection (PIP): often required in states that are no-fault insurance states, this type of coverage pays for a policyholder’s medical bills, lost wages, and other related costs.
  • Underinsured motorist: protects you in the event that you are in an accident with a motorist who does not have the insurance to cover your injuries and damages if they are found at-fault.

How Long Do You Have To Sue Mercury Auto Insurance After An Accident?

You will need to find out what the statute of limitations for personal injury cases is in your state — in most states it is two or three years.

The time limit set by the statute of limitations begins on the date that the accident occurred, and your claim or lawsuit must be filed within this time frame or you may lose the ability to do so going forward.

Mercury Auto Insurance Car Insurance Lawsuit Settlements

The average amount that you can expect to receive in a car insurance lawsuit settlement is between $20,000 and $25,000.

This amount can vary depending on several factors, such as the extent of the victim’s injuries and whether they will be able to return to work in the future.

To ensure the highest settlement possible when suing a car insurance provider, it is best to work with a high-quality lawyer who has experience in this type of case.

Types Of Damages In Mercury Auto Insurance Car Accident Lawsuits

There are numerous types of damages commonly listed on car accident claims or lawsuits, depending on the severity of the accident and related injuries.

Types of damages listed in Mercury Auto Insurance car accident lawsuits include:

  • Medical bills and expenses, including emergency medical services and ongoing medical care
  • Lost income and benefits, as well as loss of future income and benefits
  • Pain and suffering or a loss of enjoyment in life or in quality of life
  • Loss of consortium or companionship
  • Wrongful death

Mercury Auto Insurance Auto Insurance Statistics

Mercury Auto Insurance, which is headquartered in Los Angeles, is currently available in only 11 states, including California, Florida, Texas, and Virginia.

Because of this, statistics and data on Mercury Auto Insurance claims are currently limited.

Auto insurance and claims statistics for Mercury Auto Insurance include:

  • Mercury Auto scored a 1.81 out of 2 on the National Association of Insurance Commissioners Complaint Index
  • Mercury costs 80% higher than the national average in terms of their annual rate
  • 44% of customers gave Mercury Auto Insurance a 1-star rating on ConsumerAffairs

Get Help Suing Mercury Auto Insurance After A Car Crash Today

If you believe that Mercury Auto Insurance acted in bad faith toward you or your loved one, you may want to take part in a free case review to determine your eligibility for a lawsuit.

To be connected with a car accident attorney or law firm near you to get a free consultation, contact LegalFinders at any time.

We work with experienced auto accident attorneys all over the United States, and can help you find one in your area today.

Mercury Auto Insurance Car Accident Lawsuit FAQs

The following are frequently asked questions about Mercury Auto Insurance car accident lawsuits.

How long will it take for my Mercury Auto Insurance lawsuit to reach a settlement?

Every case is unique, and it can be hard to predict the length of a case when comparing it to other cases.

However, most accident cases can be expected to take several months to settle, though they can take as little as a few weeks or as long as a few years.

Does Mercury Auto Insurance have a good reputation?

Mercury Auto Insurance has a mixed reputation, ranking above average in some areas, such as offering low premiums, and below average in others.

One area that Mercury Auto Insurance ranks lower than average in is customer satisfaction, with customers reporting slow claims payouts and unexpected raises on the rates for their insurance policies.

What is the average settlement amount against Mercury Auto Insurance?

Just as the length of a car insurance personal injury lawsuit can be difficult to predict, average settlement amounts can be difficult to predict as well.

The average settlement amount against an auto insurance company falls in the range between $20,000 and $25,000, but can be much lower than this and significantly higher.

Article Sources

ConsumerAffairs. “Mercury Auto Insurance Reviews.” Retrieved from: https://www.consumeraffairs.com/insurance/mercury.html.

Nerdwallet. “Mercury Insurance Review 2023.” Retrieved from: https://www.nerdwallet.com/reviews/insurance/mercury.

U.S. News & World Report. “Bad Faith in Insurance.” Retrieved from: https://www.usnews.com/insurance/glossary/bad-faith-in-insurance.

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