How to File a Car Accident Claim with Mercury Insurance

If you are in a car accident, you might have suffered severe personal injuries or substantial damage to your property. After calling the police, your next call is likely to your insurance company to see what your coverage is.

If you or someone on your Mercury insurance policy is involved in a car accident, you might be confused about the legal process or have questions. You may also suffer personal injuries that your insurance does not cover, and you should bring a claim of your own. Whatever the case, after the police and Mercury Insurance, make sure that your third call is to John Foy & Associates for a free consultation and case review. 

An Atlanta car accident lawyer can help you recover the compensation you deserve. 

Filing a Claim with Mercury Insurance

If you have Mercury Insurance or are injured by a driver that had Mercury Insurance, you will need to be familiar with the process for filing a claim. There are several things that you need to make sure that you do to make sure that you comply with the law and your insurance contract and give yourself the best opportunity possible to get a recovery.

Call the Police First–It’s the Law!

If you are in a car accident that involves death, injury, or property damage that you believe is more than $500, Georgia State law requires that you immediately inform the police and wait at the scene until they arrive. In fact, the report that the police officer prepares at the scene of the accident will usually be the entire basis for an insurance company’s decision of whether an accident is covered under the policy agreement.

When the officer arrives at the scene, if you can do so, you should help them by giving them as much information as possible without admitting fault for the accident. You should tell the officer:

• Your name, contact information, and insurance information.
• The name, contact information, and insurance information of the other driver, if you know it
• The year, make, and model of your car and the other driver’s car if they left the scene prematurely
• Your full story about what happened, in as much detail as you can possibly give

Call Your Insurance Next

If you have Mercury Insurance, you need to call them immediately after calling the police. Your insurance policy agreement will require that you immediately notify your insurance company of an accident, regardless of who your insurance is with. Also, you might have questions for your insurance agent regarding what coverages you have if the other driver does not have car insurance.

Also, your insurance company might even be willing to file your claim with the other driver’s insurance, even if they have Mercury Insurance for you. But this is not necessarily guaranteed.

Third, File Your Claim with Mercury Insurance

If the other driver has Mercury Insurance, then filing your claim with Mercury Insurance is very similar to filing a claim with your own insurance. Mercury Insurance accepts claim filing over the phone at a 24/7 claims hotline or online through their automated claim system.

The insurance agent that you speak to (or the online system) will ask you several questions, and you will need to have certain pieces of information available to you, such as:

• The exact date and time of the accident
• The location of the accident
• The make, model, and license plate number of both vehicles involved in the accident
• Your full story about what happened during the accident in detail, just like you will need to tell the police and your insurance company
• Your description of the damages, as well as photographs of the accident, if you are able to take them
• The other driver’s name and policy number
• The police report, if there is one yet

Fourth, Get Evidence of Your Injuries

The next thing you need to do is get evidence of the injuries you suffered and the amount of money that those injuries will cost you. You should do this in two main ways. First, you should go to a doctor to be evaluated. Second, you should get multiple quotes for repairs on your vehicle.

If you go to the doctor to get your injuries evaluated, there will be a record created of your injuries, as well as a doctor’s opinion of their severity and a treatment plan which will show you what you will need to do next to get treated. This will essentially give your receipts that you can give to Mercury Insurance so that you can get paid for them.

The next thing that you need to do is get a quote for repairs to your car. Unfortunately, unlike most insurance companies, Mercury Insurance will only reimburse you for repairs done by a “Mercury-approved” repair service facility. Mercury’s website allows you to search for a repair service facility near you that is approved on their website here.

What if They Do Not Pay?

If Mercury Insurance refuses to pay for your injuries, you may have to file a lawsuit against the at-fault driver to force their participation in litigation. While this is unfortunate, sometimes insurance companies simply refuse to pay for any damages. This might be in good faith, but often, it is because the insurance companies are being deliberately obtuse. 

If Mercury Insurance starts to give you the runaround, you need a skilled and experienced lawyer that has experience representing clients against Mercury.

Contact John Foy & Associates Today

Anytime that you or a loved one are in a car accident, you should immediately contact an attorney. At John Foy & Associates, you never pay anything unless we get money for you. There is no risk to you whatsoever in contacting an attorney and making sure that your best interests are protected.

When you need help with a car accident involving another driver with Mercury Insurance, you need the “Strong Arm” John Foy. Contact John Foy & Associates today for a free consultation and case review.