{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-21-040235","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2021-08-03T23:59:59+00:00","discovered_at":"2026-05-14T18:04:20.473487+00:00","generated_at":"2026-06-29T23:34:34.323385+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Mercury General Q2 net income down 52% to $109M; combined ratio worsens to 94.9%","bullets":["Net income $109.2M ($1.97 diluted EPS), down from $228.2M ($4.12) in Q2 2020.","Combined ratio 94.9%, worsening 6.7 pts from 88.2% due to higher catastrophe losses.","Catastrophe losses net of reinsurance $25M in Q2 2021, more than double Q2 2020's $12M.","Net premiums earned $926.8M, up 14.2% but Q2 2020 had ~$106M COVID-related refunds.","Quarterly dividend of $0.6325 per share declared, payable Sept 30 to holders of record Sept 16."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-21-040235","json":"https://secwatch.observer/filing/0001564590-21-040235.json","markdown":"https://secwatch.observer/filing/0001564590-21-040235.md","text":"https://secwatch.observer/filing/0001564590-21-040235.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000156459021040235/0001564590-21-040235-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000156459021040235/mcy-8k_20210803.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-29T23:34:34.323385+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"}