{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-113814","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2025-05-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.039065+00:00","generated_at":"2026-05-22T15:15:50.346853+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Mercury General Q1 net loss $108.3M; wildfire losses drive combined ratio to 119.2%","bullets":["Net loss of $108.3M ($1.96 diluted EPS) vs net income of $73.5M ($1.33) in Q1 2024.","Combined ratio 119.2% (up 18.3 pts) on $447M net catastrophe losses, primarily from Southern California wildfires.","Gross wildfire loss estimate $2.15B; net of $1.29B reinsurance and $525M subrogation recovery on Eaton fire.","Quarterly dividend $0.3175/share, payable June 26, 2025 to holders of record June 12, 2025.","Net premiums earned +10% to $1.283B; net investment income after tax +24% to $67.9M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-113814","json":"https://secwatch.observer/filing/0001193125-25-113814.json","markdown":"https://secwatch.observer/filing/0001193125-25-113814.md","text":"https://secwatch.observer/filing/0001193125-25-113814.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000119312525113814/0001193125-25-113814-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000119312525113814/d839141d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T15:15:50.346853+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"}