{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-024309","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2025-02-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.077629+00:00","generated_at":"2026-05-26T23:36:45.427995+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Mercury General Q4: op EPS $2.78, combined ratio 91.4%; CA wildfires net loss est $155-325M","bullets":["Q4 net premiums earned up 18.1% YoY to $1.35B; combined ratio improved 7.2 pts to 91.4%.","Operating income per diluted share $2.78 (non-GAAP), up 142% YoY; GAAP net income $1.82 per share.","Quarterly dividend of $0.3175 declared, payable March 27 to shareholders of record March 13.","CA DOI approved 12% homeowners rate increase effective March 2025; line ~16% of 2024 premiums.","Jan 2025 Palisades/Eaton wildfires: est. gross losses $1.6-2.0B, net loss $155-325M; company has $1B+ cash."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-024309","json":"https://secwatch.observer/filing/0001193125-25-024309.json","markdown":"https://secwatch.observer/filing/0001193125-25-024309.md","text":"https://secwatch.observer/filing/0001193125-25-024309.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000119312525024309/0001193125-25-024309-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000119312525024309/d836173d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T23:36:45.427995+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}