{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-056852","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2023-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.746020+00:00","generated_at":"2026-06-09T05:07:06.949144+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Mercury General Q3 net loss narrows to $8.2M; combined ratio improves to 98.6%","bullets":["Net loss of $8.2M ($0.15 diluted loss) vs $98.3M loss in Q3 2022; operating income of $62.9M ($1.14/diluted)","Net premiums earned $1.09B, up 9.4% YoY; net premiums written $1.21B, up 16.6%","Combined ratio 98.6% vs 102.8% in prior year; catastrophe losses $33M vs $19M","Board declares $0.3175 quarterly dividend, payable Dec 28, 2023 to holders of record Dec 14","Pending CA rate increases: personal auto 20.8% and homeowners 7.0% awaiting DOI approval"],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-056852","json":"https://secwatch.observer/filing/0000950170-23-056852.json","markdown":"https://secwatch.observer/filing/0000950170-23-056852.md","text":"https://secwatch.observer/filing/0000950170-23-056852.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000095017023056852/0000950170-23-056852-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000095017023056852/mcy-20231031.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T05:07:06.949144+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":"3c9a7e7774a3ec42ed2a72642b31a040ee26f783","claim":"MERCURY GENERAL CORP reported financial results for third quarter ended September 30, 2023.","evidence_excerpt":"On October 31, 2023, the Company issued a press release announcing its financial results for the third quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/64996/000095017023056852/0000950170-23-056852-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"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"}