{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-206384","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2026-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.635512+00:00","generated_at":"2026-05-14T23:37:50.977639+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Mercury General reports Q1 net income of $190M vs year-ago loss; combined ratio improves to 89.3%","bullets":["Net income of $190.4M ($3.44 diluted EPS) vs loss of $108.3M ($1.96 loss) in Q1 2025.","Net premiums earned $1.45B, up 13.2% YoY; direct premiums written $1.57B, up 8.8%.","Combined ratio improved to 89.3% from 119.2% on lower catastrophe losses ($93M vs $447M).","Quarterly dividend declared at $0.3175 per share, payable June 25, 2026 to holders of record June 11, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-206384","json":"https://secwatch.observer/filing/0001193125-26-206384.json","markdown":"https://secwatch.observer/filing/0001193125-26-206384.md","text":"https://secwatch.observer/filing/0001193125-26-206384.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000119312526206384/0001193125-26-206384-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000119312526206384/d480814d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-14T23:37:50.977639+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"}