Mercury Insurance

I recently submitted a claim to Mercury Insurance under my Homeowner's policy. Policy is not based on exclusions, rather inclusions, and a very improbable and specific list at that. While my personal property may be covered during spontaneous combustion, airplane crash, or lightning strike, falling off a truck is not an acceptable condition, unless I get in a car accident in the process. Moreover, they would not assign my case to a different claims adjuster even after I made a complaint to the supervisor. This is a two-fold issue, unreasonable exclusion of coverage plus poor customer service.

The manager, Gary, was very diplomatic and tried to explain the coverage exclusion, but refused to understand that I am also upset at the way this was handled by the claims adjuster and his supervisor. Before any of this they tried to tell me that I had no policy in force, even though I had a copy of it in my hand, paid in full for the year. Regardless of whether this claim is eventually paid, Mercury has lost a customer for Home and Auto insurance.

I was hit from behind by their driver. It left me with no job and 30 grand of medical bills. His policy is 25 thousand dollars max and the car alone was damaged for 12 thousand dollars. They won't pay and have been dragging it out. They ruined my credit and my career and won't do anything but offer 11 thousand dollars. That would leave me with losses near 70 thousand dollars when all is done. I didn't do anything wrong and he admits he hit me.

On July 10, 2011 at 9:35am, my car was parked on a public residential street in Santa Ana and there was a 1995 Toyota Civic which suddenly hit my car in the rear driver side. It pushed my car, smashed it to the curb, bounced back and hit the other car parked in front of my car.

My car, a 2007 Ford Edge SUV, suffered a huge damage on its body and had a broken rear left suspension, tires, wheels, and front bumper. A small '95 Toyota Civic is still drivable, but my Ford SUV, which was badly damaged, cannot drive.

I then called Mercury Insurance to report the accident and towed my car to the Ford dealer for repair. The estimate was $11,000 and they promised to fix it like it's new and safe to drive again. They needed three weeks to do the repair but it has been almost six weeks and the car still isn't fixed. The Ford dealer could not find a new replacement part, so I asked them, "When will you find the new part and how long do I have to wait?" They said, "We don't know how long to get the part in because the manufacturer stopped making it as they are out of business." They could not find this part anywhere in the country, including all Ford dealerships.

Name: Hendry **

I sent them a request to accommodate my loss after 17 years of continuous payments and service with no claims on my house and auto. I even told them that I plan on staying with them for another 15 years as my son goes through school and until he is 26 years old. So they would get another $23,000 in premiums from me.

It did not matter. My policy lapsed on 7-2-11. My electronic payment was "on its way to them" from Wells Fargo to their account. My son had an accident on 7-3-11 and the payment got there on 7-5-11. The lapse was two days... and now no coverage.

Not much service for someone who has been a customer for a lot of years. And I was hoping to get something out of the coverage I have paid on the car, even though I was unlucky enough for my son to get in an accident on the exact day my new coverage was to begin.

I let my coverage lapse due to the 4th of July holiday, bank and timing of Mercury getting paid. It took 3 working days. It was due on Saturday, July 2, and got processed 2 business days. July 3 was a Sunday. If I could get $1,000 in exchange for the $5,000 or $6,000 that was going to come out of Mercury's pocket? I would think that Mercury is a company that, in good faith, wants to keep someone with lots of premiums to pay in the future as a customer.

All those years of coverage and I was very low risk for your company. For 15 years, I paid $13,000 in auto premiums alone and my forecast of coverage was $22,000 for me and my son, as I cover him while he is in school or until age 26.

on march 15 2010 my house caught on fire. I was placed in a motel then a rental home for almost a year.

The supply line to the toilet in the master bedroom broke, flooding the bath area and part of the master bedroom. I called my agent who gave me the contact number for Mercury Insurance. When I called Mercury Insurance, I was informed that my policy had lapsed for non payment. I explained that the insurance premium is paid by my mortgage company, Wells Fargo.

I then called Well Fargo who told me that Mercury had informed them in Dec 2010 during the renewal process that the insurance was paid. Now, Mercury has all but told be... "to bad, to sad".

Last April 2010, my husband received a speeding ticket in Highlands County Florida. He paid the ticket and enrolled in a traffic class to avoid points on his license. He sent in his proof/paperwork. In August of 2010, he received a notice from Highlands County that his license had been suspended because he did not submit his paperwork related to the ticket. After several phone calls, it was determined that they had suspended his license because they needed an original of the class certificate, not a copy. He then had to drive down to Highlands County to present the original and pay fines to reinstate his license.

Our automobile insurance, Mercury Insurance of Florida through Most Insurance, LLC, was up for renewal this April. When they ran a routine background check, the suspension showed up on his record. Our monthly rate then increased from $316.00 to $668.00. The Most Agency had looked into this, however, Mercury will not consider the circumstances and waive their rules. Apparently, a license suspension with Mercury is weighted the same as a DUI. Please advise if there is anything we can do to strike this from his driving record or get Mercury to waive their policy. Of course, I have as much of a problem with Highlands County as well by not being cooperative, due to the circumstances and not taking the suspension off the record. It was clearly a technicality. No laws were broken that led to a suspension.

I have been with Mercury Insurance for 27 years and have recommended them to many people. Recently, a payment was missed and we resolved that very quickly. Two days later, I had a minor accident, took photos, left insurance information on a truck that had clearly illegal bumpers. Photos were taken of the damage and e-mailed to the claims representative. My doctor made a phone call and said that I had an accident on that date and at that time. They disputed the claim and the examiner presented it to me as if I was lying. I just worked with Apple Computer for 1/2 a day getting time stamps on the photos and forwarding them to Mercury but the damage is done.

It's clearly time to shop to see who offers the best service and rates. Mercury is going to be the one that would suffer loss because I will tell my friends and clients to stay away from them. I called my agent and told her that I'm fed up. I was told that she doesn't work with them. Their behavior was a big disappointment. They are losers.

Back in January 11, 2009, a driver hit 5 vehicles in front of my and next door neighbor's houses. The car is insured by Mercury. A police incident report was made and the driver was arrested. A claim number was issued by Mercury to all the owners of the vehicles involved. Whenever I call the insurance for a status of the claim, they send a letter saying "it is being reviewed so releases can be mailed out". Almost every month I call for the status. And finally back in June 2010, I received a letter of offer for about $1,700. Every month I call the insurance on the status of the check and this Lina sends out a letter again saying "waiting for verification from all parties". Till present I have not received any claim money from them. I was forced to sell my daughter's car to some recycling center.

I got into a very small accident on 11-05-09. The car cut me off and pushed the breaks. I am glad I was not going fast at all. The lady got out of the car. She was on the phone. I called 911. I had two of my friends with me. They witnessed everything. I was glad that no one was hurt and our cars were not damaged. But we still called 911.

While we were exchanging insurance info, some guy came and took over. He said he is the owner of the car and the insurance is under his name. I was given just a citation by the officer because I was going too slowly. He took my insurance info and handed me the citation. 11 days later, I got an ADD in charge for not having insurance at the time of the collision. I was confused.

I flew to CA to get this issue resolved. In the mean time, I called my insurance company and asked for a summary of my account and payments. I went to court on 01-28-10 and showed proof of insurance at the time of collision. It was clearly written by the officer on the ticket. I also showed the summary from my payment history on the policy and asked the judge how is it possible 11 days later for me to receive an add-on charge. The judge dismissed the add-on charge.

In the mean time, there was a letter mailed to my old address that Mercury Ins. is asking me to pay $660.00 for damages. I mailed all the papers to them and did not hear back from them. On July, I found out that my driver's license has been suspended due to no insurance for the accident on 11-05-09. I was very angry and called the DMV in Sacramento. I faxed all the paperwork to them and right away they removed the suspension.

Two days ago, I got a letter in the mail from a collection agency that I owe $6326.62. I need help. First of all the letters I got from Mercury Ins. indicates that the boyfriend is the policy holder. The girlfriend was driving the car. There is no indication of her name anywhere at all.

How is it possible at the time of collision no ambulance was called, no damages to anyone and none of the cars and yet I get bills to pay? Then Mercury Ins. takes it upon themselves to contact the DMV for inaccurate information and cost me suspension of my driver's license? And now I have to pay $6326.62? I have all documents to prove everything. Is Mercury Insurance above the judge and the law? Please help.

There's fraudulent information to the Insurance Co. regarding damages. They are accusing me of not having auto insurance when in fact the officer wrote himself on my ticket the name of my insurance company. Fraudulent claims about damages? It cost me suspension of my driver's license. Now I have accident on my driving record. I had to leave my ill aunt behind in VA to come to CA for fraudulent claims. Now I am being threatened by Mercury Insurance to pay and they have to send this issue to collection agency. How is it possible that a claim for damages change from $660.00 to $6326.62? It is unheard of.

My husband was a passenger in a car which was stopped at a turn. A lady slammed into the back of them. She admitted to being in the wrong. She was texting on her phone. My husband had recently had spinal fusion done and the impact fractured 2 vertebras. He was hospitalized and told that it will be 6 months before he heals. There's over $20,000 in bills but nothing was offered to be paid. The adjuster finally called and wanted my husband to sign a 10-year medical release which has nothing to do with this injury. His neurosurgeon stated that it was directly caused by the wreck.

To make a sad story short, the adjuster said that if he didn't comply with her demands and her offer of 500 bucks, we will just hire an attorney. There is no way they should get away with how they treat people. There has to be some kind of law against such shady companies as they are. If we have done this to people the way they did, we would be in jail. Please do something to close them down. They are crooks and liars.

On approximately July 24th, a vehicle insured by Mercury Insurance backed out of a parking space at the high school where I teach. I was pulling into my parking spot at the time. The damage was relatively minor (body shop estimate was less than $1,400.00). I called Mercury Insurance and they sent an adjuster over to see the vehicle about a week afterward. I emailed and called their number several times trying to find out what the outcome was and what I should do. I was eventually told that the adjuster was "on vacation" but had approved $475.00 in repairs. My body shop clearly stated that that amount would not begin to cover repairs.

Calling Mercury again, I was told that another adjuster would go re-evaluate the damage. This went on for about a week. I was driving an un-airconditioned vehicle in August in Georgia. I finally called and told them that I would need a rental car if repairs were to take much longer. At that point, they told me to go get my vehicle and drive it until the old adjuster got back off her second week of vacation.

Finally, one month after the incident, my body shop called to tell me that the repairs were finished. When I got to the body shop, I was told that Mercury had short changed the repair and that they used the old bumper cover on my vehicle because the one that Mercury authorized would not even fit. I would advise everyone to stay away from Mercury Insurance.

On the morning of April 26, 2010 I was rear ended on the 405 freeway while driving to work. The woman and I nervously exchanged information. She rambled about not being able to afford this right now as I watched a small dog leaping around the steering wheel of her car. She claimed she hit me because the guy in front of me slammed on his breaks. Looking back I wish I had taken pictures and made a police report. Before driving off she made a comment about going to get her car fixed asap and offered to refer me to a guy she knew. I obviously was not interested and let her know that.

As soon as I got to work I contacted my insurance company who explained that I needed to call her insurance company to file a claim, so I did. I was contacted by a Mercury adjuster, Debbie H. From the start she was rude, abrupt, and hostile. I couldn't really understand why I was receiving such poor customer service until she made a comment about me filing the claim before their insured did. She threw it in my face that I didn't pay premiums to Mercury and they had a right to defend their insured. I even complained to her manager Candice C and requested not to deal with Debbie H any further as she was causing me great stress and made me feel very uncomfortable. I was assured that a different adjuster would be assigned to my bodily injury claim...there wasn't. To date I have still been forced to correspond with Debbie H. The very sound of her voice causes me anxiety.

Now I've received correspondence from Mercury indicating that their insured is denying liability! I am appauled at that statement and concerned that Mercury has been treating me so poorly all because of the word of their insured. I have done nothing wrong. I was a victim of their insured who rear ended me on the freeway. She hit me! Why do I have to endure such rude, hostile service when THEIR insured hit me?! It's disgusting and disappointing and I want something done about it.

My Daughter was broadsided by a mercury insurance client. It has been 6 weeks since accident. First they said they had to investigate to see if their client was insured. Something about missed payments. No they say he is insured and they r going to send us a check but they want her to pay 1700 for storage fees because they left car sitting their. She is the victim. She was hurt and missed work. No rental car nothing. Still waiting for payment.

driving east on 210 freeway 745am when a tire came at me hitting my right front fender.mercury said it was a collison not comprehansive.even though there was no accident. wants to pay $500 insted of $50 comp.

In response to your correspondence sent to me regarding my claim, I have concerns re: my (your) coverage. My vehicle was broken into for the sake of stealing it. When it wasn't successful, several items were stolen in the process. My main concern is the theft of my Magellan (GPS). I use my GPS nearly every day. In my estimation, a GPS is not a personal toy. It is a viable and important item to me and I use it extensively. Its sole purpose is navigation inside my vehicle and has always remained there.

Mercury's contention is that there is coverage if the GPS is an integral part of the vehicle. Because its source of power comes from a plug on the dash deems it personal and therefore no coverage? What could be more integral than an item that never leaves your vehicle and is used exclusively inside your vehicle? What seems to be a loophole in the language isn't very fair to the consumer needing help. I fully understand the non coverage on all the other personal items. It should not, however, be applicable to my GPS.

I was vandalized and victimized and where I needed your help, I was ignored. I'm sure everyone concerned at Mercury is very pleased when I pay my premiums on time for the umpteen time in my life, but where are you when I'm counting on you to help me. I have filed police reports and I have documented proof of the Magellan I've purchased, complete with serial number. All to no avail is a major disappointment. I've been a home owner for thirty nine years (the last twelve with Mercury) and never once have I filed a home owner's claim. To be suggested by Mercury to file a home owner's claim (with its gargantuan deductible) on my GPS is downright uncaring and insulting. Certainly there must be more substantial coverage elsewhere.

I was rear-ended by a customer of Mercury Insurance in early 2009. As I was entirely not at fault, I assumed and was led to believe that Mercury Insurance would ultimately pay medical expenses and other damages. When it came time to settle, the adjuster offered a settlement that wouldn't have even covered the medical, let alone other expenses, claiming the treatment was not needed. In short, I was eventually able to negotiate a higher settlement, but in my estimation much lower than should have been appropriate for the claim. These people will nickel and dime you and wear you down.

We used Mercury for our home owners insurance because they were the cheapest and I didn't research them. From the start it has been a long, exhausting saga trying to correct our policy. They had originally given us a policy for our old address, which was a mistake. I paid in full then they canceled that policy to start the correct address policy, then paid in full for that one as well. After a few weeks of not receiving my original refund, I called and was told they were just holding onto it.

Then a few weeks after that, I finally received a 95% refund for some reason (without explanation). A few months later, we kept receiving policies in the mail for the original wrong address, even though customer service "assured" us that our house was insured. A few months later, that wrong address was still receiving mail even though no policy was open for that address. They kept assuring us our house was insured but the paperwork never matched. We finally found another reliable insurance company, canceled our Mercury policy and have been waiting for weeks for a refund.

I recently called them over a week ago and was told that the policy was still open even though they received my cancellation letter from the new insurance company. They assured me that the refund would be in the mail. It's been over 2 months since canceling with them. Do yourself a favor, find a reputable insurance company. These people at Mercury don't have a clue. Not 100% sure our current house was ever insured, which could've been a disaster. Also, never received 100% refund from the original mistaken policy we had and still waiting for a 50% refund on the last policy.

And the saga continues See the post from Elizabeth in Mission Viejo, CA. I will try and make this short but it's really difficult as I am so infuriated with Mercury and the adjuster Joan W.!

It has been 1 month and I haven't heard or seen one piece of paper work or gotten any resolution at all! I called again and finally actually tried to have a conversation with the adjuster. I asked her, "What is going on?" I have never seen any paperwork or anything regarding a rental car or reimbursement documents, etc. She told me, "I cannot talk with you as you have an attorney."

She forgot that she told me that 2 weeks ago my attorney sent a letter stating that and 2 voicemails and that she herself said she got authorization so now she can't talk to me again! She told me, "It's not Mercury's fault that you don't have available credit to charge on a card for a loaner or that you are unemployed." She again said she would not talk to me and hung up the phone on me! I was beside myself that she would lie and belittle me like that.

Five minutes later, she left a voice mail on my cell phone saying that she turned it over to the settlement dept. and she is sending a check only for my property damage, not my loss of use for a car. And I don't even know what that amount is and they are not sending it to me but to my attorney and he isn't handling that part. I never have heard one word from anyone to discuss the value of my car, etc.

I tried to call her back and she disconnected her extension so that it says this is extension no longer exists. I will sue the living pants off them! The people that have this insurance are paying to cover accidents they have and they will not do one thing to help the person not responsible. This can't be legal.

I was visiting a friend, not familiar with the area so she drove my car and I was the passenger. We were waiting for the cross traffic to clear to make a left turn onto a residential street when a teenage driver didn't notice we were stopped. He slammed into my car going approximately 35 miles per hour. His car was a large SUV 4x4 and had minor damage. However, my car was completely caved in and the imprint of his license is on my car, that's how fast he was going. The brunt of the damage was on the rear right side which is the side I was sitting on. My head felt like it exploded, but in confusion, I did not call the police right away since we exchanged our information and talked with his mom. I called and reported the incident to Mercury. They said I should go through my insurance to get things moving as they have to "investigate" who is at fault. If I use my insurance, my deductible is $500 and I am living on unemployment so I don't have it. They know who is at fault but go do your investigation thinking they can easily determine that since I was rear-ended and he admitted fault. I had severe neck and head pain and headaches so I called them to ask them where I shall go to see a doctor as I was laid off and no medical insurance coverage and they should cover my medical. Of course, no response.

I called again and asked about my rental car, and my need to see a doctor. No response. Finally, they said they would send me paper work, etc. for me to fill out. A week went by, I got no paperwork or phone call. I called the adjuster again asking her where is the paper work. She said I gave her the wrong address, but I did not. Another week goes by and nothing. I called again. I asked her what was going on. She said that they haven't been able to talk to the other party because he is a teenager and he is in school so until they get a hold of him, their hands are tied. I then had my car be evaluated through my insurance company and an auto body shop determined that my car appears to be a total loss. I called Mercury again to find out what was going on and when were they going to get me a rental car. No response. So I rented a car from a friend since I am unemployed and my credit is maxed and could not get a car through an agency because they require a major credit card and Mercury wasn't even attempting to get me a vehicle.

Finally, I got a call from a representative of Mercury Insurance telling me they are coming out to take an evaluation. He told me it looks like a total loss just based on only the damage to body, but there are other problems caused by the accident that are mechanical as well. I called the adjuster again. I told her that I still have not received any information and she again told me I gave her the wrong address, only this time, I told her, "Well, that's funny because your representative came to inspect the car, so how come your inspector managed to arrive at my home?" She said nothing except, "What did he say about the car?" I told her it's a total loss! The phone went silent and then I gave her the address again and asked her to please move forward with this as it's been several weeks.

Almost a month later and no paperwork, no phone calls, nothing. I left messages, never get a return call. My friend wants to know when he can expect to get his car back and I have no idea because they just abandoned my case. I hired an attorney because I have no way of seeing a doctor. I am hurt and my car is sitting on street soon to be towed because it's an eyesore to the association. This company is poorly managed and they are outright liars! This is why people sue these greedy companies because they have no recourse. It's amazing that they can remain in business. And the adjuster is very rude. No disrespect to foreigners, but I wish I could understand her a little better because she has a heavy accent and it's impossible to make out her name on her answering machine. I would put her name in big bold letters as the worst adjuster out there. I worked as a CSR and could use a job. I know well I could treat people with respect and some empathy. My car is a total loss. My back and head are in bad shape and this whole ordeal is causing me a lot of stress. I can't even sleep because I have to return my friend's car soon and I need transportation.

Mercury auto drafts a payment for my auto insurance every month. I noticed that the latest payment was never processed. I called to find out if something had happened and to make a payment over the phone. The customer service rep said that the policy had lapsed. I was surprised and inquired as to why. She said they had attempted to verify my home address.

I explained that we had moved over 2 years ago. I was shocked that they didn't have that address since they wrote the policy on the new house and even gave us a discount for the auto insurance as a result. She had no other explanation only that they had tried to contact us and we didn't respond. I reiterated that they tried the wrong address and asked why they would keep an old address. Neither I nor my agent had received any notice as such.

Luckily, we didn't have any accidents during the outage, live in a state that doesn't penalize you for lapsed coverage (less than 30 days) and the new policy has better coverage and better rates! I felt that we should report this because other states may not be as kind. There are much better options out there for insurance. The insurance lapsed and we paid $90 down payment to re-do with a new company.

I was hit from behind by a Mercury Insurance holder when my vehicle was at a dead stop at a school crossing. I drive an Avalon and damage to my vehicle was minimal. Other driver was driving a RAM truck which had to be towed from the scene. I sustained a whip lash and went to E.R. on advice of police who responded and ticketed the other driver. Crossing guard was a witness and four children were in the walk when Mercury insured driver hit my car. Had they been in front of my car, they would have been killed. I did not have problems until a few days post accident when my neck back and shoulders were hurting. I went to a pain management specialist who informed me that it was not unusual to have pain sometimes several days or weeks after an injury.

Claims people at Mercury told me to do whatever I needed to get better. I went to an M.D. who used acupuncture to survive my job requirements and to taking time off from a very demanding job. I had to miss several partial days of work to get the proper treatment. I kept Mercury apprised at all times and they encouraged me to get whatever help I needed. The M.D. recommended physical therapy and because of my job demands I delayed doing so until she informed me that I would not get better without it. I made the time and went to physical therapy.

I completed treatments in September and sent all requested info to Mercury. They offered me 3000.00 to cover my 5460.00 medical bill. Their driver was at fault. I chose the least invasive way to deal with the pain resulting from the accident. I cannot use painkillers or muscle relaxants as I have had adverse reactions in the past. I did not want to hire an attorney as I want this to be over. I did not ask for wage loss claim but expected that they would compensate my mileage and days of work for the initial accident and partial days off.

I am too naive, I guess, but the way I have been treated by Mr. P. and his supervisor is unacceptable. I did what a medical doctor and a licensed physical therapist told me to do. If they did not want to reimburse my expenses, why did they continually tell me to do what I needed to and reminded me that their driver was clearly at fault in this accident? I am going to shout this from the mountain tops. I am so, so angry and wondering if there is a solution. I am 58 years old and pretty smart, relatively speaking. I cannot imagine if a family elder or younger less naive loved one was faced with the same dilemma. I now owe my own health insurance company for ER costs and the physical therapist. I paid out of pocket and my physician for a total of $5460. I have lost sick leave days and time that I should have had for my work going to appointments to treat an injury caused by their insured. Apparently Mr. P. thinks that my approach was excessive. Does he really think I am that dumb?

We were in an auto accident, the other party received the ticket. We paid out $1,000 deductible and $566 in car rental. We have called, written, emailed, and cannot get a response. The accident was 4/09/09, it is now 1/17/10. Adjuster "claims" that they will have to go to trial, but a simple check online shows that the at-fault driver elected to attend Florida school to have the points removed off his driver's license which is now expired.

I purchased a brand new Chevy Avalanche on December 11th, a friday evening. The next morning on the way to an appointment a speeding driver lost control and smashed into my new truck with less than 30 miles on it since driving it off of the lot.

The vehicle was undrivable and was towed to a trusted bodyshop costing me $433.

When I arrived home I immediately called Mercury to file the claim and provide the necessary information. The agent on the phone assured me that it was no problem that the new vehicle was not an issue as the policy allowed a grace period (obviously less than 12 hours from the purchase I was not expected to make changes, especially on a Saturday)

After waiting until mid-day on Monday I finally contacted Mercury again as I had not heard from an adjuster. I was assigned to a young woman with obviously very little grasp of how to perform her job and an even more tenuous grasp on professionalism. I was told that there was going to be a "coverage investigation" because I "might not be covered for the damages" I kindly explained to her that my policy clearly covered me, and furthermore I was not at fault in the collision so the other drivers insurance would be the one to pay any damages.

Over the next few days I made regular attempts to contact the adjuster with little success and when I did reach her she told me she could do nothing until the coverage investigation was completed.

Finally on Wednesday I was contacted by another inept Mercury employee who was handling the coverage investigation. She stated that she would need a copy of the sales contract. I immediately contacted both the dealer and the bodyshop where the truck was being kept and hand them send copies of all relevant paperwork (my copies of the contract were still in the glovebox of the truck) After they had been faxed directly to the investigator I called to confirm, she claimed they were not coming thru clearly. Over the next 2 days I played middle man between the dealer and her to attempt to get a clear copy of the paperwork. Each and every time I was promised a call back, and each and every time I would wait hours and eventually call only to be told she hadn't received it or it was unclear. The dealership and bodyshop both kept the fax confirmations and even faxed paperwork to eachother to verify it was coming thru in a manner that could be read.

Fed up now that it has been a full 5 days since filing the claim I contacted a manager. After explaining the situation she placed me on hold to look into the matter. When she returned to the line she confirmed that the investigator had received usable copies of the paperwork, but nothing could be done today.

I am now 5 full business days into this ordeal and not one step in the repair process has begun. I have laid out money to cover the medical care for my injured neck and back, I have no means of transportation for me or my 3 year old son.

Because the vehicle had only 30 miles on the odometer at the time of the accident I inquired with Mercury about a Diminished Value claim. I was met with hostility and outright lies that "No such thing exists, and if it did there would be no way they would pay anything" Upon further investigation and consultation of an attorney I have found that this is 100% untrue and that I am entitled to a claim of diminished value. When I contacted the adjuster again to discuss my findings I was met with more rude comments and in a sarcastic tone "Good luck with that sir, I've been doing this for 3 years and I've never paid a diminished value claim, but if you want to waste your time thats your problem"

I cannot believe the utter disrespect and lack of professionalism from a company that is supposedly collecting my money every 6 months under the false pretense they will provide assistance in the event of an auto accident.

To this very minute Mercury has yet to begin any processes in recovering my damages or assisting me. I have a spotless driving record and have been a faithful, on time paying, customer with both home and auto policies for 7 years now and this is the thanks I get for my business??

If and when this claim is ever settled I fully intend on changing companies. To call what they do "insurance coverage" is a joke. At this point it looks more like outright theft.

Normally it is one lane in and two lanes out which is reconfigured during rush hours to lanes in and one lane out about 200 feet away from the intersection which both cars came from. Damage on each is about $1500 No physical damage

A claim was filed against my insurer (Mercury), for claimed damage to another vehicle. Throughout my dealings with the agent at Mercury Insurance "Arthur" assured me that the total pay out would be below $750 which in turn would have no adverse affect on my rates and would not qualify as a point on my record. There was zero damage to the front of my vehicle as documented by the repair shop that photographed it. After two weeks and no further phone conversations I recieved a call by Arthur stating that "the claim was being closed right then and everything went smoothly, no need to recontact him". The next week I received a letter stating that there was a filed point on my record because of that incident. After recontacting Arthur I learned that mercury paid out close to $840 which was over the amount he assured me they could keep it under, because it was such a minor incident. I never saw the damage to the other car and even if there was damage, it would have to be localized on her bumper matching the outer sides of my license plate frame which is the forward most point of my vehicle. I have no idea of what damage there was previously on her bumper, but it seems as if Mercury's adjusters or the repair shop have allowed more repairs to the performed to the bumper than would have been caused by my vehicle. It is not till after this has all occurred that Arthur at Mercury insurance is sending me out photos of her vehicle and the contact info for the body shop that the car was at. I will be updating this complaint with more info so as to educate people of what to do when encountered with this issue. Never allow an agent to assure you they will handle everything (even though that is there job). Be persistent and demand clarification and proof throughout the process before you incur financial losses just as I have. This complaint essay would not be posted against Mercury Insurance if they would have been more honest and thinking of my best interest.

On 10/2/08 a 3 ton tree fell on my car as I was driving down Hayvenhurst, south of Ventura Blvd. at approx. 6:15 PM. My 2007 SUV was totaled. From 10/08 thru 2/09 Mercury shuffled me ffrom person to person. I told and retold my story. Meanwhile, I continued to make car payments on a car that could no longer be driven. My Dr. recommended that my son deal with Mercury as it was affecting my health. Mercury paid off my car loan with out letting me know and assumed my case was settled. In March I wrote demanding arbitration. July 20th I received a response indicating that I would be contacted by an arbitrator. Today, 9/2/09, I received a $1350.00 check to settle the matter with Mercury. This is approx. $9000.00 less than the appraised blue book value of my totaled car at the time. No letter accompanied the check. I am disgusted and will not cash it.

My son was stopped at a red light and was hit from behind by a drunk driver, who backed up and left the scene. He waited for the light to turn green and followed the driver and called 911. He followed her along with police for 35 minutes before she finally stopped. She gave false info and mercury(our ins.) paid his medical and repaired his truck. I went to the Dist. Atty and got the correct ins. info for the drvier, which was also Mercury. They did not do anything to the other driver who caused the accident but sued my minor son (17 at the time) to recoup the medical bills, which we had coverage.

They also filed this against his credit and it still to this day shows as a judgement, even tho my son was not served or required to appear in court. He is now 23 and has trouble getting credit or a car loan because they vritually ruined his credit score due to a _outstanding judgement_ HE was the innocent victim, I paid premiums without a claim for 20 years and this is what I get. The dist. Atty made the other driver reimburse Mercury for the medical but this is till on my son's credit report. What a snake insurance company who will do whatever it takes to get their money back, which is ridiculous, where did mymedical premiums go? I paid, but was not allowed to use my medical coverage.

However, Mercury declined coverage for the incident and RAISED my premium as if I was already found guilty!!!!! Needless to say I am canceling my Insurance...and will write letters and let everyone know about Mercury...

Mercury Insurance Company is a bad company to deal with and more of a scam. They do not want to honor any repairs covered on the warranty and if they do, they do not want to pay for all the charges that are included in the repairs. I took my vehicle to the repair facility and they indicated that I had a leak in my oil pan, I needed my brakes worked on and some other stuff that was wrong with the vehicle. I presented the repair notice to the facility and requested them to contact the warranty company and see what they will cover. The company declined every other repair except for the oil pan leak. The repair facility then in turn got in touch with me and informed me what the warranty company had agreed to. I then informed them it's okay and they can go ahead and fix only what the warranty company will cover.

The repair facility gave me a call a couple of hours later and informed me that the job was done and that we could go ahead and pick up the vehicle. When I got to the shop, they said that I had to pay all the charges and will be refunded by the warranty company. I was skeptical from the get go and did not want to risk paying, and not getting my money back. Furthermore, on the repair notice I presented to the repair facility, the company indicates that they deal with the repair facility directly, and not through customer to the repair facility. In the company's contract info, they specify that the only cost that the customer is responsible for is the $50 deductible with any authorized repairs.

I then called the warranty company and informed them of the charges presented to me by the repair facility. They proceeded to ask me to request the repair facility to call them and request the payment from the warranty company (so much for the company dealing directly with the repair facility). The repair facility got in contact with them and the warranty co only remitted partial payment of the work order, stating that they will not cover the extra charges entailed in the work order to fix the oil pan. At the end I had to pay the $50 deductible and some extra charges that the co. did not cover, charges for work performed to fix the oil pan.

After I payed the extra amount, I then proceeded to contact the warranty co, to see if we had some kind of misunderstanding to what is covered and what is not. I then got on the phone with a guy named Andrew, who was very rude and made me feel like I was insured by a fake company. He indicated the company does not cover for shop charges incurred while fixing the oil pan, and also they will not cover for the oil that was changed. I then called the repair facility and asked them why they did an oil change when it was not approved by the company. The repair facility informed me that with Firestone's company policy, when changing out the oil pan, they cannot put back the oil that was there prior to draining. They informed me, for them to be able to work on the oil pan, they have to drain the oil. That is extra work entailed in fixing the oil pan that they declined to cover.

When I tried to reason out with the company, informing them that I just did an oil change literally less than a week to this date the guy (Andrew) got so rude with me telling me he does not care, and stated that what was approved is all they are paying for, and anything else, I have to pick it up with the repair facility.( so much for feeling covered.) He then proceeded to put me on speaker phone where his co-workers inclusive were all just laughing on the phone. I then requested to speak to his supervisor and he put me on hold then hung up. This is one of the worst companies I have ever dealt with, they do not care about the customer, all the think about is getting your money and not keeping their part of the contract. It's very discouraging that they are a bad reflection to one of the best banks that my wife and I have ever dealt with( University Federal Credit Union.) If you can, please be very careful when dealing with Mercury Insurance Group. I would advise anyone that is looking to purchase their contract to run while they can. I would recommend UFCU to anyone who is looking for a vehicle or home loan anytime, they put the customer first and establish a good relationship. Again, be very aware of the Mercury insurance group.

i felt real buzzy after the accident and didnt seek medical care right away. My daughter seemed to be ok as i strap her into her eddy baurer seat real tight just in case something like this happens. I filed my claim after several attemps to get the car fixed. i conceded to be recored to legal purposes. total sham.

this is after 8 months on P|S. its totally absurd. These people are not even from this planet. Stop Mercury now! total criminals! they also issue two party checks and offered to get me a rental car for 36 dollars a day. I use my truck for my business. They said i was not entitled to a truck. How am i going to load up material in a honda! tell me!

I was hit by a driver represented by Mercury insurance in November of 2007. I immediately called them to report the incident and obtain a rental car as mine was not drivable and had to be towed to a repair shop. I was told that I would need to contact my insurance company. I refused to do so (although I do have full coverage insurance) because I didn't want a claim on my insurance for a fault free accident. The representative reluctantly gave me the number to the woman that would be handling my claim, Maria. I called her and left a message. No return call was ever made.

Over the next 9 days I called the claim lady every single hour hoping that maybe if I were persistent enough she would return my call and get the ball rolling on my rental car. None came. I finally called the claim number back again and asked who her manager was as I was paying for the rental car out of pocket. The man on the phone refused to give me even the name of her manager and insisted that I speak to Maria. I continued to call Maria's number for 3 more days until FINALLY I received a call. It wasn't from Maria however, but from someone else claiming that Maria quit and a replacement had not been found.

At this point I asked the woman to take over on the rental car payment and she said I would have to wait for them to find a replacement for Maria. I asked again who Maria's manager was and I was again refused this information. I threatened to call my attorney and was told to go ahead. So I did. My attorney told me that it would be best to try and work with the insurance company instead of pursuing legal action, he also said that I could just give the claim number to the car rental company and they would bill Mercury directly. He said that since I had a police eye witness and report stating that their driver was at fault, they would eventually accept responsibility. So I did that. This lasted for about a week as I continued to call every hour, leaving messages on the phone number I was given. No reply.

Then one day, while I was at work, I got a call from the car rental company saying that they got a call from Mercury and I needed to bring the car back immediately or they were calling the cops. I asked why and was told that Mercury said that I was involved in an accident and was found to be at fault and was fraudulent to authorities. This was absolutely untrue. I was totally embarrassed and furious. I returned the car, paid for the remaining days due and left. I immediately called my attorney and obtained his services as I saw no other choice. I had no car, my medical bills were piling up and no one would return my call.

After receiving major run around, my attorney was finally able to come to a settlement today. The amount $3200.00. This does not even cover my bills. I don't understand why this is not illegal. Why I, a single young woman, can get run around and treated horribly by a company when I did absolutely nothing wrong.

I was hit by another car represented by Mercury Insurance group. I had a witness, plus damages to my car from the rear. Mercury Insurance did no investigation, no witness investigation, no damage survery, etc. Having done none of that they sent me a paper stating I was at fault and to pay immediately. Completely unprofessional, not to mention their inability to properly followed laws and guidleines put into place by the California Department of Insurance.

That company gives details of my information to her friends of my friend, the card need a pictures to put full cover insurance, she send her fiend to that office in the first time that company denied all information she want toknow about the premium, and they dont take the pictures because she did not have right on the policy, I get mad because they has just to take the pictures, bud they said just to protect your privacy, ok I feel happy with that.

Today after almost three month my friend again send her friend with the car to take pictures, on this time Mercury give all the information she want to know, that cause me berry cereus problems with my friend, I got mad about I called to that company to claim the just said oh, we authorize to Rebeca to get all information for error sorry, now you are cover with our privacy policy, But that mistake cause me problems with my Beatriz friend

grand discussion with my friend, I use my friend to pay the premium of insurance for both cars her car and my car. I have to refund money to her 200 dls, but I lost my Job for last 6 months They dont respect the personal privacy

My 2003 Surburban top of the line was broken into on Jan 8-9 sometime in the wee mornings. This person stold my touch screen tv and also because they cut wires they destroyed the whole electrical system in my vehicle. I was not aware that ihad only till 1/9/09am to pay my bill. I always pay my bill in full and this was the full payment. Me not knowing that i was late on my payment called in to file a claim, the lady was nice and responded and gave me the claim number and never once stated oh by the way i noticed your late. nothing, so this whole time i had in my head that i could pay the whole day because it was due 1/9/09.

i proceeded to tow the vehicle to the dealership where i service my car gave them the claim number etc. i did not rent a car because i had my boyfriends car. I get a rude phone call 2 days later telling me hes going to record the call and didnt tell me anything about your claim is under investigation or nothing. I thought he was taking my claim on what happpend. then he started being so abbrasive and starting asking me stupid question like where does your bill come into and what do you do with the bill. did your agent call you about the bill to be paid. then i said excuse me i dont understand whats going on.

he was so rude and i was crying by that time. can you imagine you just got someone who damamged your vehicle that you pay so much money for and you have nothing now and the company that suppose to be there for you and support and make you feel secure was treating me like i was nothing. They did not send me any documents stating that my clai was under inv estigation until i mention it then i get a letter in the mail 4 days later, i then get a letter in the mail telling me that i am not covered and that i have to pay for the damages my self, then my agent who is BMR in Tustin ca mails me a letter stating that in order to continuwe coverage that i have to show proof that my car has been fixed and is in working condition.

Mercury is very unprofesional and i have told abd written many letters to try to do something , this is unfair and not right. the least they could have done was been a little nicer and at least pay for half. What is this world coming to? I was without a car for 1.5 months due to this and finally i had to just trade my car in and get a another car it was so hard on me and my family that i am now in debt because if this situation.

i was at a gas station and a woman pulled forward as i was pulling backwards she ran right in to the side of my car. talked to mercury and they said that they would pay for my car and i never got a call from them then when i call over there they dont tell me nothing i am fed up with mercury insurance i think they need to be a little more respectful of peoples loss and lose the attitude

the side of my car is smashed in

I have been on hold to report a claim for 40 minutes, and still holding. There is no indication how long I'll be on hold for. There is only one numbef listed to call and no way to contact them on their website. So to report a claim, apparently my only option is to stay on hold and hope someone eventually answers the phone.

My car was hit by someone while we were waiting for the light to change on the right passenger sideview mirror & bumpers side of hood,I turned it all to my Insurance they refered me to 3 body shops and after I asked them why couldn't I take it to a mercedes Dealer, Mercury told me that their shops were guaranted by them and if it doesn't come out right the stand behing the work. If i took it to a mercedes dealer it Did Not have a mercury insurance guarranty so under those conditions i took it to one of the body shops they suggested of the three.

When the car was returned to me the colors were different and they had added so much glitter to the paint that it did not look right. They agreed and took the car back to the shop, when it was returned to me the car still looked the same same glitter etc. I asked the M.D car Re-Inspector from Mercury Ins and after waiting 3 weeks almost they told me that there's nothing that they can do because they say that before i bought the car the car had been painted, and a lot of talk and I don't believe, many reasons and excuses,

this is not all but in a nutshell. what can i do? I've had insurance for almost 13 years. never have had an accident or ticket, my daughter was the driver as well, but my husband is the main policy holder, we have full coverage, please the have denied any more help on my car. and now I have a car that's half painted new and half not. If I wanted to re sell my car I will be asked if my has been in a Major accident because the front of the suv, they blended the color thru out the front of the car

On 04-10-08 I filed a claim for hail damages on two of my vehicles. Mercury imspected and absorbed the damages. One was 733.00, the other was 2100.00. As of 07-12-08, Mercury still has not paid the 2100.00 (1600.00 less deduct) claim. The response I get is We mailed the check. I know the mail is slow but this is rediculous.

I have already had the vehicle fixed at MY expense.

I have had Sawyer Cook Insurance as an underwriter for my Mercury Insurance policy #0401-08-008297923 since 20002. I have never made an insurance claim. In the middle of my policy period between 02/08/2008 and 08/08/2008 I received a bill from Sawyer Cook stating a policy change because they added my son Joshua to my policy, Joshua at that time had his own insurance, I spoke to a Sawyer rep. to explain that Joshua is not allowed to drive my car and why they would add him without asking my permission to do so and bill me for it. The rep stated Sawyer Cook sent a few letters.

I responded I never recieved any letters, I asked why these letters were not certified because it was an increase of premium. She responded that Cook sent the letters and I must pay. I told her that every bill I received from Sawyer Cook has been paid on time. She said if I did not pay Sawyer would come after me to pay the bill, I responded I will let this policy run its course and get another insurance carrier and said goodbye. My policy was to run out on 08/08/2008, but I received a letter of Insurance cancellation, Sawyer cancelled my insurance on May 1st, 2008, I received this letter on May 23rd.

Unbeknown to me I was driving around without car insurance since May 1st. Upon receipt of this letter I immediately shopped for insurance and was accepted by the Hartford Company who is now my insurance carrier.

I feel Sawyer Cook was very unprofessional in beginning this whole sequence of events with adding my son without my permission, threatening to have a collection company come after me if I did not pay. Since my abrupt cancellation before my policy ended, Sawyer has sent me to collection for a $84.00, an amount I have no idea they are charging me for. I believe the underhanded way that Sawyer Cook has conducted this transaction is unprofessional, They shorted me 4 months on my policy of $360.00. In addition they are asking for an additional $84.00. I have already received a collection letter.

A teenager ran a red light, smashed my car, I was out of a car for 3 months with a rental when it was only supposed to be 30 days, when I finally got my car back, I got charged $2900 for the rental car as they claimed they wouldn't cover certain days/amt even though it was comparable, then when I got my car back it wasn't fixed all the way and I had to return twice and pay out of pocket over $500 to get the items fixed.

It's been over a year and I finally got refunded the $500+ for the repairs. I am a single mom with two kids who was hit by a fully insured driver, as I was also fully insured, and to hit someone who was out of a car for that amount of time when they are a multi-million dollar company is a tragedy!

Very emotional, stressed on bills, hard time paying mortgage, had to borrower money and use credit cards

I rented a car thru enterprise rent a car ( without a reservation thru my insurer Mercury )on Friday April 18, 2008 at a rate of 25 dollars a day. My coverage is 20 dollars a day and the enterprise rep. told me to call my adjuster to fix my daily rate, I did as the rep asked the following Monday and got a response from Shannon ( my adjuster) stating all was taken care of.

Fast forward to May 16, 2008, I return the rental to enterprise only to find out i was charged 212 dollars to my credit card ( i didnt know about this until i received my statement on 06-06-08 ) Shannon stated he explained my coverage and I knew what I was responsible for during the recorded disclaimer process. Off the record when we first spoke, he verbally said whether I had an appointment or not I couldve rented a car with the claim number given.

In conclusion, enterprise stated that their staff are not trained to assume that mercury can change daily rates and that I was placed in an intermidiate vehicle (chevy cobalt)rather than a sub compact which covers my daily 20 dollar rate. Mercury insurance was extremely rude and was blunt to state that they would not incur the charges I was charged for. Some where along the line there was miscommunication, Shannon never told me I should have taken the 25 dollar car back for a 20 dollar a day car. When he stated he took care of the daily rate, I assumed the rate was changed. His story changed stating daily rates cannot be changed. Unfortunately for me, all I have is verbal conversations, they have hard copy paperwork, and recorded disclaimers.

I have paid the 212 dollars, I dont know what other recourse I could possibly take.

I was rear ended while stopped at a traffic light 2 weeks ago. The insured admited fault in front of a witness at the scene. Two weeks have passed with no real action by Mercury. They sent a letter indicating they are investigating coverage but the driver showed me proof of coverage at the scene. The car is my business vehicle and is not safe to drive (suspect a leak in the gas tank). It is a lease vehicle and the stalling from Mercury began when I indicated I would be filing a diminished value claim.

Mercury agreed to assess the damage (on 4.22) and are not responding to inquiries about the status or the individual who is conducting the continued investigation. This vehicle needs to be fixed and I need a comprable rental to continue conduting business. I am starting the small claims process to sue Mercury, the driver, the owner of the vehicle if necessary.

No injuries. Unsafe vehicle I am afraid to drive therefore impacting my ability to run my business as effiently. Physical damage is $8-10K according to a friend mechanic. Unsure what the diminished value of the lease at this time.

Mercury refused to pay my damages and made the medical lien process take so long that I now will live with my injuries for the rest of my life without compensation. I was hit by a drunk driver on April 29, 2007, while on my bicycle on the sidewalk! My attorneys have dragged their feet, and now I am never going to recover anything!

I am unable to work still, daily pain and suffering, mental distress, can't get a job due to my injuries, probably will wind up on the street as homeless when my family gets tired of helping.

My car was rear-ended, sitting at a red light--December 2007. From the time of the collision until present, Mercury has stalled and battled with the auto body shop. Coming to no agreement with the price to fix, Mercury has now pulled my rental car. The Mercury reps have been of no help, providing no explanation.

My neck and back were hurt in the collision. My car was damaged approx. $10,000.

The total damage was over $4000. We send the police report, as well as the copy of the bill to Mercury Insurance.

When we follow-up, Mercury's rep said that they are still determining how much is the claim from the other cars. They need to hear from the other party for them to pay up the claims. We get a form letter from them saying that they are still working on this case. It has been over a year. We thought that's the reason why we have insurance -- to cover cases like this.

My medical expenses were $1,895.00 which I still owe to my insurance company because Mercury did not respond is due time for me to take care of my injuries. I have spent many hours getting the insured to file a claim in the first place and gathering documentation to why I was injured and then when my car was supposedly finished it wasn't and I had to go get it repaired at another place.

Mercury is claiming I wasn't hit hard enough to be injured and they are only going to pay a minimal amount for my time and pain and suffering. At first all they offered was $2,000. I countered with $4,000 to start. They upped their amount to $2,500 and are standing firm. I would really like $3,500 for all this time and countless letters I have typed.

My car engine was tampered with, a VW Volkswagen covered by my policy malicious mischief comprehensive claim. The car originally only needed a valve job and I took it to repair four time in month because it overheated. Mercury still refusing to perform the valve job, claiming it only needed tune ups. The motor damage needing a long block Mercury sent another inspector out to manufacture their own evidence and prove the car wasnt tampered with and all the damage to the motor was a oil leak none of the mechanics I had taken the car to four times noticed.

Its been four months since I opened the claim and my car still in repair in addition the extras I purchased such as the towing reimbursement and rental car policy, I was only reimbursed 30.00 of the 450.00 I spent on towing, and they stopped paying the direct billing for the rental car unknowing that when I returned it I needed to pay $800.00 to the rental car agency.

Now Im taking both the rental car agency Enterprise Rent-A-Car and Mercury to civil court for breach of contract, a hidden arbitration agreement in the Mercury policy they filed motion to compel arbitration.

My engine was maintained routinely and recently paid tuned up before malfunction due to tampering caused it to seize. The mechanic who maintained it knew upon immediate inspection it was tampering vandalism. Mercury sent their own inspectors out arguing the claim and the malfunction only needed valve adjustments below the deductible. The car would not run over 35-40 miles per hour and eventually completely seized, I taken to another mechanic and Mercury send their own mechanic to still arguing after almost three months the engine was not tampered with and the car was in perfect running condition with now oil leaks just seized due to abnormal wear and tare?

My car engine timing was illegally tampered causing severe engine damage to valves and motor.

Months later and Mercury is still determining if I had valid claim after sending their inspector to see the vehicle several times. They claimed the vehicle only needed minor repairs despite the mechanics suggestion of an engine rebuild. I paid several hundred dollars in towing expenses and minor repairs below deductible to the vehicle based on Mercury's inspectors advise to mechanics. They advised a new clutch and discovered later they made repairs to the engine without my consent. The cluthc malfunctioned later, Mercury avoided repairs above deductible returning the car to the shop several times only days later having same problem with engine, later the engine seized after fifth malfunction to vehicle and return to mechanic. The mechanic who was repairing the vehicle sent Mercury's check back. I took the car to another mechanic who sent estimates to Mercury who tried to send me unsolicited check for approximately 2,000 less then the repairs. The new mechanic complained to me Mercury tried same to send a check to the new mechanic unsolicited. Mercury has threatened twice to take the rental car claiming my car is not in repair still waiting for Mercury to approve the claim again at new mechanics. After stating the rental was valid for thirty days rented on 02/05/07 they claimed it was due back on 02/12/2007 they contacted the rental car company on 02/22/2007 and claim I owe a back billing from 02/15/2007. Mercury has not paid for any repairs or reimbursements any towing expenses according to my policy stating my Visa card bills are invalid proof of towing expenses and original bills are not legible carbon copies. Now 02/22/07 approving my claim they stated Mercury needs me to pay $300.00 for an engine 'tear down'? It is not covered by my policy to re-inspect the vehicle before approving my claim. Mercury has approved and withdrawn their approval of my claim to damages several times and has not paid for anything other than a rental car they claim I owe money that taken them a month after the claim to issue.

Our automobiles were covered by Mercury Insurance for two years. We originally went to Mercury because of the price.

Recently, my vehicle was hit from behind by an uninsured driver while I was sitting in stopped traffic. My car could not be driven away, so it had to be towed. We had Uninsured/Underinsured motorists coverage on our policy. My car sat in the auto body shop for two-and-a-half months before Mercury paid out.

I had to report the other party to the police and have the prosecutor get my deductible back for me. In two-and-a-half months time, I must have made about thirty phone calls trying to get my claim expedited. I finally had to go two levels over my adjuster's head in order to get some results. I will never recommend Mercury to anyone. For the money you may save, you will pay back when and if you file a claim with them.

Merrill Lynch sent me an unsolicited credit card. I never called to activate it, nor did I ever use it, but they billed me for the card anyway and turned the matter over to an attorney. I wrote to and spoke to the attorney informing him of the situation. He has not turned it over to a collection agency and it's on my credit.

Can't get this off my credit.