{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-22-027474","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2022-08-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.921191+00:00","generated_at":"2026-06-24T06:08:26.300892+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Mercury General reports Q2 net loss of $210.7M, combined ratio 106.6%, dividend cut to $0.3175","bullets":["Net loss of $210.7M ($3.80 diluted loss) vs net income of $109.2M in Q2 2021.","Net premiums earned $987.5M, up 6.5% YoY; combined ratio deteriorated to 106.6% from 94.9%.","Operating loss (non-GAAP) of $19.6M vs operating income of $62.7M in prior year.","Net realized investment losses of $191.1M after tax, driven by equity market decline under fair value option.","Quarterly dividend declared at $0.3175 per share, reduced from prior periods due to inflation; payable Sept 29 to holders of record Sept 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-22-027474","json":"https://secwatch.observer/filing/0001564590-22-027474.json","markdown":"https://secwatch.observer/filing/0001564590-22-027474.md","text":"https://secwatch.observer/filing/0001564590-22-027474.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000156459022027474/0001564590-22-027474-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000156459022027474/mcy-8k_20220802.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T06:08:26.300892+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"}