{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-002780","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2023-02-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.770555+00:00","generated_at":"2026-06-19T14:50:03.579436+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Mercury General full-year net loss $512.7M, Q4 combined ratio 115.8%","bullets":["Q4 net loss $6.8M, diluted loss $0.12; full-year net loss $512.7M, diluted loss $9.26.","Combined ratio 115.8% Q4 vs 105.4% LY; full year 108.7% vs 98.3%.","Operating loss $80.4M Q4, $1.45 per diluted share; full-year operating loss $127.1M.","California DOI approved 6.9% rate increase for MIC & CAIC; plans another 6.9% filing in March.","Q4 catastrophe losses $43M; Jan 2023 atmospheric river storms estimated $35M in Q1 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-002780","json":"https://secwatch.observer/filing/0000950170-23-002780.json","markdown":"https://secwatch.observer/filing/0000950170-23-002780.md","text":"https://secwatch.observer/filing/0000950170-23-002780.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000095017023002780/0000950170-23-002780-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000095017023002780/mcy-20230214.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T14:50:03.579436+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"0b71bf0c684b0112e44db3df1b8e1c15f785f435","claim":"MERCURY GENERAL CORP reported fourth quarter ended December 31, 2022 results: net income Net (loss) income of $(6,770) thousand, EPS Net (loss) income per diluted share of $(0.12).","evidence_excerpt":"Mercury General Corporation (NYSE: MCY) reported today the fourth quarter and fiscal 2022 results: Consolidated Highlights","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/64996/000095017023002780/0000950170-23-002780-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter ended December 31, 2022"},{"label":"Net income","value":"Net (loss) income of $(6,770) thousand"},{"label":"EPS","value":"Net (loss) income per diluted share of $(0.12)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}