{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-054598","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2026-02-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.474514+00:00","generated_at":"2026-05-16T02:37:48.475527+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Mercury General Q4 net income $202.5M ($3.66 EPS), doubled YoY; wildfire net loss $380M","bullets":["Q4 2025 net income $202.5M ($3.66 diluted EPS), up 100% from $101.1M ($1.82) a year ago.","Full-year combined ratio 96.3%; Q4 combined ratio improved to 88.6% from 91.4%.","Net losses from Palisades/Eaton wildfires totaled $380M; $538M subrogation recovery recorded from SCE for Eaton fire.","California DOI approved 6.9% homeowners rate increase effective July 2026; represents ~15% of net premiums.","Declared quarterly dividend of $0.3175 per share, payable March 26, 2026 to holders of record March 12."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-054598","json":"https://secwatch.observer/filing/0001193125-26-054598.json","markdown":"https://secwatch.observer/filing/0001193125-26-054598.md","text":"https://secwatch.observer/filing/0001193125-26-054598.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000119312526054598/0001193125-26-054598-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000119312526054598/d47895d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T02:37:48.475527+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"}