{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-22-036061","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2022-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.270188+00:00","generated_at":"2026-06-22T19:49:46.929002+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 Q3 net loss $98.3M ($1.78/share); combined ratio 102.8%; declares $0.3175 dividend","bullets":["Net loss $98.3M vs income $1.3M in Q3 2021; diluted loss per share $1.78.","Net premiums earned $996.9M (+6% YoY); combined ratio worsened to 102.8% from 99.0%.","Operating income (non-GAAP) fell 56% to $15.6M; net realized investment losses $113.9M after tax.","Inflationary pressures on auto parts, labor, medical costs; rate increases filed in many states.","Board declared quarterly dividend $0.3175/share, payable Dec 29 to record Dec 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-22-036061","json":"https://secwatch.observer/filing/0001564590-22-036061.json","markdown":"https://secwatch.observer/filing/0001564590-22-036061.md","text":"https://secwatch.observer/filing/0001564590-22-036061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000156459022036061/0001564590-22-036061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000156459022036061/mcy-8k_20221101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T19:49:46.929002+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"}