Initiating A Mercury Auto Insurance Claim: A Step-By-Step Guide

Mercury Insurance offers a 24/7 digital platform and a claims hotline to help customers initiate a claim for auto insurance. Customers can file a claim online or by calling (800) 503-3724. Mercury's claims team will guide customers through the entire process of filing a claim and continue to work with them through the claims process from start to finish. Before initiating a claim, customers should gather information and documentation, such as names, contact information, insurance, and vehicle information for anyone involved in the accident, as well as the location, date, time, and details of the accident. Customers should also review their policy's coverages and check their deductible.

Mercury Insurance's 24/7 claims hotline is (800) 503-3724

If you need to initiate a claim with Mercury Auto Insurance, you can do so at any time by calling their 24/7 claims hotline at (800) 503-3724. This hotline is available 24 hours a day, seven days a week, so you can get immediate assistance after an auto incident occurs.

When you call the claims hotline, you will be connected with a skilled Mercury Claims team representative who will guide you through the entire process of filing a claim step-by-step. They will gather information about the incident and explain your relevant policy coverage. If needed, they can also help you locate one of their preferred body shops.

In addition to calling the claims hotline, you can also submit a claim through Mercury's automated digital experience on their website. This platform will walk you through the process of filing an auto or property claim, and you will receive updated information as your claim progresses.

No matter how you choose to initiate your claim, it is important to gather all the necessary information and documentation beforehand to facilitate the process. This includes information such as the names, contact details, insurance, and vehicle information for anyone involved in the accident, as well as the location, date, time, and details of the accident itself.

Remember, in the event of a car collision, your first priority should be to ensure your safety and the safety of others. Check for injuries and, if necessary, call 911. Once the immediate aftermath of the incident has been addressed, you can begin the process of initiating a claim with Mercury Auto Insurance by calling their 24/7 claims hotline at (800) 503-3724.

You can also submit a claim online

To initiate a claim for Mercury Auto Insurance, you can submit a claim online. This can be done 24 hours a day, seven days a week, via Mercury's automated digital experience. The process is straightforward: simply follow the on-screen directions to file your auto or property claim. You will then receive updates as your claim progresses.

To submit a claim online, you will need to gather information and documentation. This includes:

• Names, contact details, insurance information, and vehicle information for everyone involved in the accident.
• The location, date, and time of the accident.
• Photos of the damaged vehicles and, if relevant, the scene of the accident.
• A copy of the police report and/or accident report, if applicable.

You can download and print Mercury's checklist to help you collect this vital information and keep it with your vehicle registration.

Once you have gathered all the necessary information and reviewed your insurance policy, you can submit your claim through Mercury's claims portal. You will need to log in to your customer portal account to do this. If you don't already have an account, you can create one through the portal.

After submitting your claim, Mercury's claims team will jump into action. A skilled Customer Service Representative will contact you to gather more information about the incident. They may record the interview to expedite the claims process. The representative will explain your relevant policy coverage, and, if you wish, help you locate one of their preferred body shops.

If you are unable to drive your vehicle, Mercury can arrange to have it towed. They can also assist you in reserving a rental car or referring you to their rental car partner.

Take photos of the accident scene and vehicles involved

Taking photos of the accident scene and vehicles involved is a crucial step in the aftermath of a car collision. It is important to act quickly and efficiently, as these photos will serve as valuable evidence to support your insurance claim and protect you from any false claims. Here are some detailed instructions to guide you through the process:

First and foremost, ensure your safety. If possible, move your vehicle to the side of the road or a location away from oncoming traffic. Turn on your hazard lights to warn other drivers and alert them to the accident scene. This will help prevent further collisions or injuries. If you have road flares, cones, or reflective triangles, use them to create a visible perimeter around the scene.

Once the area is secure, start taking photos of the accident scene. Capture the overall environment, including any relevant traffic signs, signals, or lane markings that could provide context to the incident. Take close-up photos of the damage to your vehicle and any other vehicles involved. Make sure to include the license plates of all vehicles in the frame, as this will help identify the cars and their respective owners.

It is also important to document any visible injuries you or other individuals involved may have sustained. Take photos or videos of any cuts, bruises, or other physical harm. Additionally, capture any damage to personal items, clothing, or belongings that resulted from the accident. If there are any witnesses or passengers, take photos of them as well, as this can help corroborate your account of the incident.

While taking these photos, remember to be mindful of your privacy and the privacy of others. Avoid capturing sensitive or personal information in your photos, and always ask for consent before photographing someone.

Finally, don't forget to take photos from multiple angles and distances to provide a comprehensive view of the scene. These visual records will greatly assist your insurance company in understanding the extent of the damage and determining the necessary repairs or compensation.

Remember, taking photos is just one part of the process. Make sure to also exchange information with all involved parties and witnesses, including names, contact details, insurance information, and vehicle details. Write down your own account of the events while they are still fresh in your memory, as this will help ensure you have a complete record of the accident.

Exchange information with all parties and witnesses

Exchanging information with all parties and witnesses is a crucial step following a car accident. It is important to remain calm and refrain from admitting fault or apologizing, as this could be interpreted as an admission of responsibility. Instead, focus on gathering relevant details that will support your insurance claim or potential lawsuit.

Information to Exchange with All Involved Parties:

• Names and contact information of all drivers, passengers, and vehicle owners (if different from the driver).
• Driver's license information, including the license number and state.
• Vehicle registration information, including the license plate number and state.
• Vehicle Identification Number (VIN), which can typically be found on a plate inside the driver's side door.
• Insurance information, including the name of the insurance company, their phone number, and the policy number.
• Vehicle make, model, and color.

Information to Exchange with Witnesses:

• Names and contact information of all witnesses.
• If possible, obtain recorded statements from witnesses. Their fresh testimony can be valuable evidence.

Remember, your priority after an accident is to ensure your safety and well-being. If you are injured or unable to gather information yourself, the police and your attorney can assist. The police report will typically include essential details such as driver's license, passenger, and insurance information, as well as witness contact information.

Additionally, take photographs of the accident scene from multiple angles, capturing vehicle damage, license plates, and skid marks. These photos will serve as valuable evidence when filing a claim or pursuing legal action.

Mercury assigns an adjuster to investigate your claim

Once you've filed a claim with Mercury, either online or by calling their 24/7 claims hotline, the Mercury claims team will jump into action. They will assign an insurance adjuster, or multiple adjusters, to investigate your claim.

An adjuster will examine your car for damages, investigate the losses, and address any bodily injury claims. They will also assess police reports and interview witnesses to the accident. The adjuster will provide you with a car repair estimate, although some insurance companies may require you to get a second estimate from a repair shop. The repair shop will then send a report to your insurance company.

The time it takes to process your claim depends on its complexity. A simple claim can be processed within a few weeks, whereas a claim involving multiple parties, disputes, or extensive damages can take several months. Once your claim is resolved, it will either be approved, denied, or partially settled.

If your claim is approved, Mercury will issue your payment, minus the deductible, to you or the repair shop of your choice. If your vehicle is totaled and you have collision protection or comprehensive coverage, Mercury will pay you or your lender the current value of your car, minus the deductible.

Frequently asked questions