Car Accidents With Mercury Insurance: Next Steps

After being injured in a car accident, it is common to feel confused, overwhelmed, and shut down. In this vulnerable state, you may mistake a Mercury Insurance claims adjuster for an ally, when in fact, their job is to minimize, dispute, or completely deny your claim. Like other insurance companies, Mercury is a for-profit business that seeks to increase their subscriptions while minimizing their expenditures (claims payouts). They are anything but on your side.

A Personal Injury Lawyer Is Your Best Defense Against Ruthless Mercury Claims Adjusters

 By partnering with an experienced, knowledgeable personal injury lawyer at Trust Guss, you can sidestep the deceptive, manipulative tactics used by Mercury to avoid paying your claim. Our car accident attorneys have over 30 years of expertise in dealing with aggressive insurers and their high-paid legal teams. We will go head-to-head with them, standing up for your rights and best interests and ensuring you can obtain the maximum in compensation. 

How Much Will a Personal Injury Lawyer Cost Me?

At Trust Guss, we work on a contingency fee basis. This means you never owe any legal fees unless we are successful with your claim. We believe you already have enough on your plate to worry about in terms of the healing process at hand without having to concern yourself with how to pay your legal fees upfront. We also offer a no-cost, no-obligation case evaluation so you can get started right away. Don’t let Mercury Insurance lowball you. Instead, allow our attorneys to protect your financial future.

Mercury’s Staggeringly Poor Reputation

Mercury has around two million policyholders and is known for catering to higher-risk drivers with past DUIs, collisions, and traffic violations. The rate of accidents caused by Mercury-backed drivers thus tends to be higher than usual. In fact, they have a reputation as among the worst insurance carriers in the business, as noted by consumer advocacy organizations, industry regulators, attorneys, and policyholders. 

They were sued by the California Department of Insurance in 2009 and accused of multiple violations by the Florida Insurance Commissioner’s office, including unwarranted termination of auto insurance policies when a claim was filed, failing to pay out the full amount on legitimate claims, and failing to provide reasons for denying claims. Consumer Watchdog in Los Angeles even went so far as to post a billboard on the highway citing Mercury as untrustworthy. 

If you have been injured by another driver with Mercury Insurance, it is critical that you work with an astute personal injury lawyer who knows all their tricks and can fight against their ubiquitous denials and disputes. Because Mercury’s reputation is so abominable, hiring a masterful personal injury lawyer is mandatory if you hope to see your losses and injuries appropriately compensated.

How to Maximize Your Compensation With a Mercury Insurance Claim

When you hire one of our personal injury lawyers, they will immediately go to work on your case, investigating the causes of your collision, gathering crucial evidence, working with accident reconstruction experts, and calling on witnesses to support your claim. This makes it much harder for Mercury adjusters to pressure you, manipulate you, or cast doubt on your injuries and losses. To aid in establishing a solid, robust case, you should do the following after an accident:

• Call the police – You will need a copy of the police report for your claim, so don’t hesitate to get the authorities involved right away after a collision. Tell the officer anything you noticed about the other driver. Were they using their phone? Driving recklessly? Breaking traffic rules? Don’t be afraid to speak up. Also allow the paramedics to document your injuries. Let them take you to the emergency room if required.
• Get medical attention – Getting medical attention right away is good for both your well-being and your legal case. Some injuries like whiplash, concussions, and internal organ damage may not be immediately apparent to you, especially when you are fueled by adrenaline after a crash.
• Take photos and videos of the scene – If possible, gather as much evidence from the scene of your accident as you can before it is cleared away. Take photos of vehicle damage, license plates, your injuries, skid marks, road signs, road conditions, traffic lights, lane markings, etc.
• Exchange information with any potential witnesses – If there is anyone there who saw your accident, make sure to get their name, phone number, email, and any other contact information. Their testimony could help bolster your claim down the line.
• Trade information with the other driver – Make sure you get the other driver’s information and insurance card details.
• Don’t discuss your accident with anyone – While you may be tempted to make statements or talk about your injuries or property damage, be wary of what you say. Anything you utter could be used to invalidate your claim. Only speak to your personal injury lawyer.
• Keep careful records – In the coming days, keep a careful record of all phone conversations with Mercury claims adjusters and hold onto receipts, estimates, medical bills, repair invoices, pay stubs, and any other financial documents. Your lawyer may need these to support your claim.
• Hire a personal injury attorney – The sooner you call a car accident lawyer, the better your chances are of obtaining a fair settlement or having your losses covered through a lawsuit.

Damages You Can Claim After a Car Accident

If your injuries were caused by another party’s negligence or recklessness, you have the right to certain damages, both economic and non-economic. As your personal injury attorneys, our lawyers will calculate the monetary value of these damages, ensuring you receive the maximum in compensation to which you are entitled. Your damages may include:

• Past, present, and future medical expenses, including those associated with transport, hospitalization, surgeries, doctor’s visits, diagnostic testing, medications, assistive devices, at-home care, physical therapy, rehabilitation, and more
• Lost wages, reduced earning capacity, and loss of future career opportunities
• Property damage, including costs related to renting a car, repairing your car, or replacing your vehicle and anything that was inside it at the time of the crash
• Pain and suffering
• Emotional distress
• Mental anguish
• Loss of enjoyment of life
• Scarring and disfigurement
• Loss of consortium
• Wrongful death
• Punitive damages

Why Choose Trust Guss? 

At Trust Guss, our “Clients First” approach means you will always speak with a live agent whenever you reach out to us, night or day. We treat every client just like family and go to great lengths to protect their best interests. For over 30 years, our dedicated car accident lawyers have been fighting back against ruthless claims adjusters who seek to minimize payouts so they can maximize their profits. Thanks to our tenacity, commitment to justice, and insistence on excellence, our firm has garnered over 1400 five-star reviews and counting.

Trust Guss was founded in 1999 by Stewart J. Guss, a personal injury lawyer who Rue Ratings called one of the “Best Attorneys in America.” Over the years, Stewart expanded his practice to achieve a broad national reach, hiring over 100 legal professionals to support his mission of providing outstanding legal representation with a personalized touch. Stewart is an active member of the Texas Trial Lawyers Association and was included in the top 1% of personal injury attorneys in the country by the prestigious National Association of Distinguished Counsel.