Mercury Insurance

You will wait forever to talk to anyone 99% of the time. The actual company does nothing for you if you call them except sign you up, everything has to be done with their agents. They seem cheap but offer crap services. Just got told it would take a week for them to post information on my refund (post to where I have no clue), which would probably mean they won’t cancel it for a week, and then take another 10 percent as I see in other reviews. I just got better insurance on both my vehicles 60 dollars cheaper and a renters insurance policy included. Go somewhere else and stay away from this ripoff company.

HORRIBLE auto insurance. And if you cancel — beware — you have to pay a penalty fee.

I saw a parking car tap my already parked car from the perspective of the front door of a house, grabbed my cam and the driver had vanished; whatever lot’s jerks out there… Anyways, the dude/​gal who hit me was covered by Mercury. Mercury’s adjuster has been completely non responsive to me and my insurance’s adjuster. I love my insurance, they would never dis me like that (Metlife).

They can’t send anyone from the company to inspect my car for 2 WEEKS. That’s why my car is waiting in a shop after the accident. Just waiting. And it’s gonna take 2 other weeks to fix the car. I’m sitting without a car because of them. The worst company ever. They deserve their rating.
Also the guy who talked to me was very rude and making up things when asking me about the accident. I was close to hang up the phone!
P. S. I don’t even know why I’m writing this.
I’m sure they don’t care.

Mercury Insurance. Insurance? First of all, they are the worst insurance on the planet. And I have gone elsewhere. On a water claim, the kitchen floors squeak and the mercury experts are mercury cronies. They will say whatever lie to not pay. Since they treated me like I was the enemy and nothing came of what amounted to tremendous hassle, I asked that the claim not be counted and was told by the top
manager that it wouldn’t. Another one of their lies. Anyone going with mercury insurance does so at his own peril. Don’t do it. Mercury insurance deserves to go out of business.

I wanted to leave just one star to them because they buried their 10% cancellation fee deep in the paperwork you sign, and now I canceled the insurance because I found another company that is giving me better coverage and for 30% cheaper (and it is actually huge well known company that has a nice greeny animal as their speaker person — so, people, do your research, mercury is bad and not the cheapest!).
Now I have to pay them cancellation fee that equals 1 month of insurance! Ridiculous! I wanted to give them 1 star, but let’s be fair — I had an accident (not my fault) and Mercury resolved it quickly and efficiently, the rep handling the case was helpful and responsive, and responded every time I call, so for that they deserved a star.

Why are they still in operation? Many reviews are from L.A. Where is the CA State Insurance Commisioner? The company should be shut down! The review should have a negative numbers option!

UPDATE: This month, with no changes to my driving record at all, the scumbags at Mercury Insurance are trying to charge me $ 750 per month — with no sort of new agreement in place. They are simply trash.
I became a new customer a few weeks ago, for the whopping monthly sum of $ 320 per month to cover a seven year old six-​cylinder SUV with 55k miles on it. I have a perfect driving record.
In fact, just this morning, a truck went spinning out of control in front of me on a crowded, icy freeway — maybe two car lengths up while I was doing 40mph. I passed him on the shoulder without even having to hit the brakes. No problem. Like I said, perfect driving record.
You’re welcome. Had I done what 90% of drivers would’ve done — freaked out, slammed on the brakes, been texting somebody, etc… — you’d be shelling out tens of thousands of dollars over this. Again: You’re welcome.
But then, later today, I received a bill from you with an upward adjustment to $ 360 per month — with no explanation.
So it wasn’t enough that I was paying you $ 320 per month in free money. Free money from a person with never a single auto insurance claim.
But you want $ 360, and with no explanation.
My answer: You’re fired. This is completely unacceptable. I’m doing you a favor by being your customer in the first place, and your reflexive instinct is to steal an extra $ 40 per month from me for no additional value in return. You want me to give you $ 360 per month — for nothing. I don’t care what the explanation is, you’re fired.
You’re liars and thieves who profit on the fears of your customers. You function as bullies do, taking whatever liberties you please with your clients’ accounts.
Well, now you’ve met a guy whose pulse doesn’t break 70 beats per minute while trucks are spinning out of control on frozen highways at rush hour, so your weak con is done here.
Sincerely,
Bryan Harris
Detroit, Michigan

I was involved in an auto incident where an uninsured driver hit me in a parking lot.
I was told by this company that the claim was settled in my favor. 2 weeks later they call me to tell me that it was now in the favor of the other driver. I felt complete wronged and not safe as the insured. This was completely unprofessional. I felt as though I was merely carrying insurance to take care of other drivers that mess up without insurance. The other driver lied to me and told me that he had insurance and said that he would get his car taken care of himself, then 5 DAYS later called me to say that he wanted my insurance to pay for his car because his insurance had expired. THIS is that man that MY insurance company is siding with. This whole situation has been complete crap and BRIAN KING in the claims department was unhelpful and rude.

Update: Mercury continues to insist they cannot electronically refund me. I am constantly bounced between my insurance agent at Wescom, customer service at Mercury, and the billing department at Mercury. It has been over one week, and when I spoke to billing today, I was told the policy is still in the process of being cancelled. What? I have cancelled insurance policies and been refunded electronically within 48 business hours by both Geico and State Farm, so that alone is mind boggling. When I asked about my options regarding obtaining the refund check, the person at billing asked me if I was even sure I was receiving a refund. Excuse me? She told me they charge an early cancellation fee, and that my insurance agent should have explained that to me. Nope. No one did. I have reached out to my insurance agent at Wescom, who then had to reach out to Mercury herself (this whole middle-​man system is ridiculous and exhausting), and we are waiting to hear back. I have never had such a horrible, drawn-​out, frustrating experience with a company. Cancelling a policy should require no more than me letting them know my intention, and them confirming it has been done. It was easier and simpler to sell my car and deal with the DMV, than it has been to deal with what should be the easy and hassle-​free matter of cancelling the insurance policy.

I HATE Mercury Insurance. I called the agent/​broker 800 number to speak with someone regarding 2 bills they sent me totally 1200 dollars! Mind you, they send this all within a month. I called to speak to someone on my father’s behalf as i have been for the past 2 years, and they ARGUE with me about it being «illegal» to give out any information about my dad’s policy. Okay, that’s fine. I asked to put my dad on the phone with them to confirm I can speak on his behalf, the snake Yvonne says «okay» with a disgusting attitude. She then HARASSES my dad CONTINUALLY asking and yelling «sir!!!’ Don’t you know your address???» At that point, I had it. Then I get on the phone with a supervisor. Mind you, the supervisor was STUPIDER than Yvonne. The supervisor states «we can have your dad write a letter to us confirming that you are able to speak on his behalf. And he can sign it.» So i think WOW. MORON! My dad can’t speak English. How the hell is he supposed to write it? Then I said what about I write the letter, translate it to him, and HE signs it! She says «no because he won’t know what he’s signing.» Then the STUPID IDIOTIC SUPERVISOR suggests sending a «form» IN ENGLISH!!! Says my dad is able to sign that and i will be able to speak to them about the policy. Welllllllllll HOW THE HELL DOES THIS MAKE SENSE!!! I can’t write a letter myself and translate it for him, but they can semd a «form» in English and he STILL won’t understand it… and that would be okay??? Mercury SUCKS. They’re customer service SUCKS. PLEASE!!! I urge you all to RECONSIDER signing up with mercury!!! They will make life soooo difficult. And to top it alllllll off, the supervisor says «i see here you have spoken on your father’s behalf before, but we will still need that letter.»
BUNCH OF BULLLLLLLL!!! If they were the LAST INSURANCE COMPANY ON EARTH, I WOULDN’T SIGN UP WITH THEM!!!

There is a reason Mercury Insurance is the cheapest insurance around. It’s great if you need it for proof of insurance. But if you need any kind of assistance or if you ARE in an accident, even if it is not your fault, you are out of luck. I left them years ago for their lack of service, but was lured back by the low cost. I will be finding another insurance company and won’t be returning. It’s so not worth the time or frustration to deal with them.

Avoid mercury insurance. Difficult to deal with. (Why am I not surprised that every review here is one star!?)

I would give mercury zero stars if I could, their agents are the most dumb, rude and unhelpful people I’ve ever met. Got into a little fender bender and asked the agent for advice and they said for small claims try to settle, and I tried, the other party was having none of it. So when the claim came, they called me asking why I tried to settle, basically saying it looks bad, WHEN THEY TOLD ME TO DO IT!

you know how hard it is to get 10 or 12 people to agree on anything!
Well Mercury gets 100% negative reviews and they have earned it. I got side swiped by one their insureds. It’s like pulling teeth to get by their intimidating and bloviating agents. This is the 2^nd time I’ve dealt with them, they are consistently difficult. Avoid them. Oh, this insured was a hit and run and still they do not accept liability. They will when forced to.

Shocker, Mercury is by far the worse car insurance company! If you have 5−10mins to make an important car insurance decision read this first:
Got into a minor accident 12÷15÷12, hit a steel gate that wasn’t suppose to be closed during normal school hours in a parking lot that had no lights on at the time when it was dark. As I proceeded down a declining hill I didn’t even have a chance to notice that only the exit side of the gate was closed for unknown reasons until it was in my windshield. I filed my claim with Mercury. My adjuster Mary called me the next day and asked what happened. Not once did she ask if I had any pictures, but she did ask if I had witnesses. Luckily when I went back to class the next day several students witnessed the accident and one even almost hit the gate himself. I called Mary back that evening left a message stating I had witnesses. Not once did she ever call me back and a day later got a letter stating I was 100% at fault. Not once did Mercury do a thorough investigation but they never called back to see pictures or get witness information. I tried to explain my side to them there was no lights on, why was only the exit side gate closed during normal hours, and why wasn’t there anything reflective on the gate so I could of seen it before hand with my headlights. Mary stated she «tried» to help me by telling the «investigator» I was a nice guy. WTF does that have to do with doing a thorough investigation based upon the facts and evidence?
This isn’t my first run in with them, 9 years ago got into a bad MVA, car turned in-​front of me in a construction zone as I was in the right of way flow of traffic, I t-​boned them, the unrestrained kid in the back seat passed away. I got sent to the hospital. At the time I was 18 on my parents Mercury insurance plan. After the sheriffs and CHP investigation, the report stated I was 100% not at fault and in the matter of fact the sheriffs proved I was driving under the posted speed limit the construction zone had posted. Well my Mercury adjuster was a B… from the start, but through out the investigation mentioned how she was keeping close contact with the other party and how bad she felt for them blah blah. She went out of her way to get an accident engineer to further investigate the accident scene. By now the other family was trying to sue my parents and I for wrongful death cause there DA nephew can’t yield to oncoming traffic before making a left turn. My adjuster notified the other party first that her investigator said I was speeding so that made me 1% at fault, which I thought was funny because the posted speed limit was 45mph and I was doing 40mph, and I actually had a witness that was driving right behind me that stated I was doing 40mph. My adjuster stated I should of been driving even slower then 5mph under the speed limit on a Bright, Dry California day. Mercury appointed me a lawyer which was helpful, however we caught the other party trying to pull some fraud on the case, and Mercury didn’t care. After everything was done and said for I was given 10G and cleared for wrongful death and Mercury paid the other party 100G because overwriting the sheriffs report my adjuster felt I was 1% at fault. After the case was over there own lawyer told me I should of gotten a lawyer outside of Mercury to take the other party and Mercury to court, but he couldn’t give me any legal advice while working as a lawyer for Mercury.
Mercury is not there for their loyal customers, they can care less about their customers as long as they are making a profit. I plan on canceling them and moving my homeowners and car insurance to a more professional company.

Talk about a racquet. Mercury Insurance snares clients by promising great rates, and then in fact charge way more than other providers and have the WORST customer service and WORST operations of any insurance company I have every dealt with.
With so many options for auto insurance nowadays, go with ANYONE ELSE besides Mercury.
Bunch of quacks.

I am not happy with mercury right now in fact I’m downright pissed. I had a rock fly up and hit my windshield. Now first off back east the deductible is waived. I guess not so in California. Mercury has a company called all star glass they use. All star said it would be 459 which is below my deductible and they could do nothing to help me. Then today they said they could give me a discount if I went with them. Mercury and all star are very shady and I’m going to check into other ins companies. Mercury is definitely doing business with shady companies. Oh by the way I went to gto glass. Amazing and only 179!!!

My experience with them was horrible.
When I had an accident they were not there for me.
They are great at collecting their premiums but awful at helping you when you need them.
I would never recommend them to anyone not even my worst enemies.

Do not, under any circumstances, sign up for Mercury Insurance. I knew they were a bad insurance company, so one month after signing up with them I switched to Wawanasa Insurance and cancelled with Mercury. I wasn’t told of it when I signed up of course, but they took a 10% deduction of my entire policy cost out of my refund check. I essentially lost $ 100 for switching to another provider. Stay away… I’m just happy that I’m only out $ 100; I can’t imagine what would happen if I actually got into an accident under their horrible coverage.