Mercury Insurance

The main Mercury NAIC number is 16810. Mercury's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With Mercury's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need Mercury's NAIC number to report fraud or file an insurance claim, as well.

Although the main Mercury NAIC number is 16810, the NAIC has assigned a separate code for each of Mercury's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your Mercury insurance card. 

Mercury NAIC Numbers

Mercury's NAIC number is not the same thing as the three-digit code assigned by each state's department of motor vehicles. These numbers, issued by state insurance commissioners, are given to the companies that have been authorized to sell insurance policies in a particular state. However, they are not standardized across state lines, like NAIC numbers are.

You can get a Mercury good student discount if you have at least a B average or a 3.0 GPA. Student drivers can save around 10-15% as long as they are 16-25 years old and a full time high school or college student. Students can also qualify by being ranked in the top 20% of their class or if they are included in the Dean's List, Honor Roll, or another school list designating scholastic achievement.

Young drivers are usually quite expensive to insure since they lack driving experience. However, Mercury offers a good student discount because having good grades shows the insurer that you are responsible off the road, meaning you're more likely to be responsible in the driver's seat as well.

Mercury good student discounts vary by state, but it's always worth the effort of checking if they are available in your location.

No, Mercury does not have accident forgiveness. As a result, Mercury car insurance customers should expect their rates to go up by an average of 77% after an at-fault accident, even if it's their first one. 

Although you can't get accident forgiveness with Mercury, there are other ways to lower your rate after an accident. For example, you can look for any additional discounts that you may qualify for. You might also consider temporarily reducing your coverage.

To learn more, check out WalletHub's guide to accident forgiveness.

Yes, Mercury offers personal injury protection car insurance where required by state law. Personal injury protection (PIP) is a type of auto insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance. States with no-fault laws require drivers to carry PIP, and the coverage is optional in many other states. 

Mercury PIP Insurance Can Cover:

• Medical bills
• Lost wages
• Child care expenses
• Nursing care, medical supplies, and prescriptions
• Funeral expenses

The details of Mercury personal injury protection will depend on your state and policy. In some states, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.

If you've been in a car accident and need to file a PIP claim with Mercury, you can file a claim by calling 800-503-3724. Coverage may also extend to your household members and passengers. For more information, check out WalletHub's guide to personal injury protection.

Mercury charges a $15 to $25 filing fee for an SR-22, though the exact amount varies between states. In addition to the filing fee, SR-22 insurance from Mercury costs 4% more than a standard policy, since drivers who need an SR-22 are considered high-risk.

Most states require drivers to have an SR-22 on file for 3-5 years after being convicted of a serious moving violation, like DUI or reckless driving. Once you no longer need an SR-22, your Mercury rate should start to go back down. In the meantime, there are still ways that you can keep your Mercury premium affordable, including taking advantage of discounts and temporarily limiting your coverage to your state's minimum requirements.

To learn more, check out WalletHub's guide to SR-22 insurance.