{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-21-053574","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2021-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.268982+00:00","generated_at":"2026-06-28T15:24:16.574645+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Mercury General Q3 net income sinks to $1.3M, combined ratio 99.0%, dividend raised to $0.635","bullets":["Net income $1.3M ($0.02/diluted) vs $118.9M ($2.15) a year ago; operating income $35.7M ($0.64/diluted).","Combined ratio worsened to 99.0% from 94.3%; catastrophe losses net of reinsurance $25M in Q3.","Dividend declared $0.635/share payable Dec 30 to holders of record Dec 16 (increase from prior).","Board appointed Vicky Wai Yee Joseph as director; she is wife of Chairman George Joseph.","Net premiums earned $940.9M, up 4.6% YoY; realized investment losses after tax $34.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-21-053574","json":"https://secwatch.observer/filing/0001564590-21-053574.json","markdown":"https://secwatch.observer/filing/0001564590-21-053574.md","text":"https://secwatch.observer/filing/0001564590-21-053574.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000156459021053574/0001564590-21-053574-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000156459021053574/mcy-8k_20211102.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T15:24:16.574645+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":[{"claim_id":"71d218990d","claim":"Vicky Wai Yee Joseph was appointed as Director at MERCURY GENERAL CORP.","evidence_excerpt":"On October 29, 2021, the Board of Directors of the Company (the “Board”) appointed Vicky Wai Yee Joseph as a director of the Company.","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/64996/000156459021053574/0001564590-21-053574-index.htm","confidence":1.0,"family_label":"Executive change","details":[{"label":"Action","value":"appointed"},{"label":"Role","value":"Director"}],"fact_type":"executive_change"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}