Bodily Injury Costs Increase in Arizona, According to Mercury Insurance
Mercury Insurance (NYSE: MCY) has launched a new personal umbrella insurance policy in Arizona, marking its fifth state expansion after California, Texas, Oklahoma and Illinois. The policy addresses rising bodily injury payouts, which have increased by 35% since the pandemic, offering enhanced protection beyond traditional auto or home policies for less than $1.00 per day.
The new policy features include multi-policy discounts, a 5% discount for 3-year accident-free drivers, uninsured motorist coverage up to $1 million, and liability coverage options from $1 million to $2 million. This expansion comes as a response to increasing liability injury claims that exceed traditional policy limits, aiming to protect Arizonans' personal wealth against expensive accidents and legal liabilities.
Mercury Insurance (NYSE: MCY) ha lanciato una nuova polizza di assicurazione ombrello personale in Arizona, segnando la sua quinta espansione statale dopo California, Texas, Oklahoma e Illinois. La polizza affronta l'aumento delle indennità per lesioni corporee, le quali sono aumentate del 35% dalla pandemia, offrendo una protezione migliorata oltre alle tradizionali polizze auto o casa per meno di 1,00 dollaro al giorno.
Le nuove caratteristiche della polizza includono sconti per polizze multiple, uno sconto del 5% per conducenti senza incidenti negli ultimi 3 anni, copertura per conducenti non assicurati fino a 1 milione di dollari, e opzioni di copertura della responsabilità da 1 a 2 milioni di dollari. Questa espansione arriva in risposta all'aumento delle richieste di risarcimento per lesioni da responsabilità che superano i limiti delle polizze tradizionali, mirando a proteggere il patrimonio personale degli arizonesi contro costosi incidenti e responsabilità legali.
Mercury Insurance (NYSE: MCY) ha lanzado una nueva póliza de seguro de paraguas personal en Arizona, marcando su quinta expansión estatal después de California, Texas, Oklahoma e Illinois. La póliza aborda el aumento de los pagos por lesiones corporales, que han aumentado un 35% desde la pandemia, ofreciendo una protección mejorada más allá de las pólizas tradicionales de auto o casa por menos de $1.00 al día.
Las nuevas características de la póliza incluyen descuentos por múltiples pólizas, un descuento del 5% para conductores sin accidentes en los últimos 3 años, cobertura para conductores no asegurados hasta $1 millón, y opciones de cobertura de responsabilidad de $1 millón a $2 millones. Esta expansión responde al aumento de las reclamaciones por lesiones de responsabilidad que superan los límites de las pólizas tradicionales, con el objetivo de proteger la riqueza personal de los arizonenses contra accidentes costosos y responsabilidades legales.
머큐리 보험 (NYSE: MCY)가 아리조나에서 개인 우산 보험 정책을 새롭게 출시하였습니다. 이는 캘리포니아, 텍사스, 오클라호마, 일리노이주에 이어 다섯 번째 주로의 확장을 의미합니다. 이 정책은 팬데믹 이후 35% 증가한 신체 상해 배상금을 다루며, 전통적인 자동차나 주택 보험을 넘어서는 향상된 보호를 제공하며 하루에 1.00 달러도 안 되는 비용으로 제공됩니다.
새로운 정책의 특징으로는 다중 보험 할인, 3년 동안 사고 없는 운전자를 위한 5% 할인, 최대 100만 달러의 무보험자 자동차 운전자를 위한 보장, 100만 달러에서 200만 달러까지의 책임 보장 옵션이 포함됩니다. 이러한 확장은 전통적인 정책 한도를 초과하는 책임 손해 청구가 증가하는 것에 대한 반응으로, 아리조나 주민들의 개인 재산을 비싼 사고와 법적 책임으로부터 보호하는 것을 목표로 하고 있습니다.
Mercury Insurance (NYSE: MCY) a lancé une nouvelle police d'assurance responsabilité personnelle en Arizona, marquant sa cinquième expansion dans les états après la Californie, le Texas, l'Oklahoma et l'Illinois. La police traite de l'augmentation des indemnités pour blessures corporelles, qui ont augmenté de 35 % depuis la pandémie, offrant une protection renforcée au-delà des polices d'auto ou de maison traditionnelles pour moins d'un dollar par jour.
Les nouvelles caractéristiques de la police incluent des remises pour polices multiples, une remise de 5 % pour les conducteurs sans accident pendant 3 ans, une couverture pour les automobilistes non assurés jusqu'à 1 million de dollars, et des options de couverture de responsabilité de 1 million à 2 millions de dollars. Cette expansion est une réponse à l'augmentation des demandes d'indemnisation pour blessures de responsabilité qui dépassent les limites des polices traditionnelles, visant à protéger la richesse personnelle des habitants de l'Arizona contre des accidents coûteux et des responsabilités légales.
Mercury Insurance (NYSE: MCY) hat eine neue persönliche Haftpflichtversicherung in Arizona eingeführt, was die fünfte staatliche Expansion nach Kalifornien, Texas, Oklahoma und Illinois markiert. Die Police befasst sich mit den steigenden Zahlungen bei Körperverletzung, die seit der Pandemie um 35% gestiegen sind, und bietet einen erweiterten Schutz über traditionelle Auto- oder Hauspolicen hinaus, für weniger als 1,00 US-Dollar pro Tag.
Die neuen Leistungsmerkmale der Police umfassen Rabatte für mehrere Policen, einen Rabatt von 5 % für Fahrer ohne Unfall in den letzten 3 Jahren, eine Versicherung für unversicherte Autofahrer bis zu 1 Million US-Dollar und Haftpflichtoptionen von 1 Million bis 2 Millionen US-Dollar. Diese Expansion erfolgt als Reaktion auf zunehmende Haftpflichtansprüche, die die traditionellen Versicherungslimits überschreiten, und zielt darauf ab, das persönliche Vermögen der Arizonaner vor teuren Unfällen und rechtlichen Haftungen zu schützen.
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Mercury's New Umbrella Insurance Better Protects Arizonans' Personal Wealth Against Bodily Injury Claims
The recent trend of rising liability injury claims for home and auto owners that exceed traditional policy limits has moved Mercury to unveil an all-new personal umbrella insurance policy for Arizonans that offers extra protection with bolstered coverages beginning at less than
Per Forbes Magazine, an umbrella insurance policy can be an excellent addition to your insurance portfolio if you need liability coverage that goes beyond what your base car insurance or home insurance policies provide. Umbrella insurance is a good way to cover your net worth if you were to get hit with a lawsuit.
The state of
"Unexpected accidents are becoming more costly for Arizonans, which puts them at risk of having to pay out of pocket," said Brandt Minnich, vice president and chief sales development officer at Mercury Insurance. "Mercury has redesigned its umbrella insurance to give Arizonans an extra layer of protection beyond a traditional auto or home policy. It's an affordable safety net that protects you from these expensive accidents and litigious lawyers looking for a big payday."
A cautionary tale for all is that of a Mercury policyholder who had kept the same limits and coverages since college, even though his personal wealth had increased significantly. The policyholder, who later became a doctor, never thought about umbrella coverage until he hit a moped with his automobile, severely injuring the rider. The rider subsequently engaged a lawyer and the Mercury insured ended up having to pay out of pocket for damages that were well beyond his auto policy limit of
"He had payments deducted from his salary for a number of years until the settlement was paid off," Minnich said.
Key features of Mercury's significantly updated umbrella product include:
- Multi-policy Discounts: Mercury policyholders can save big with multi-policy discounts across their auto, homeowners and umbrella policies.
- 3-year Accident and Violation Free Discount: A
5% discount is given to all drivers on the Mercury policy with no losses or accidents during the last three years. - Uninsured Motorist Coverage: Uninsured motorist coverage up to
$1 million - Increased Liability: Policyholders can increase their liability coverage from
$1 million $2 million
"We consider Mercury's umbrella policy the 'Goldilocks' of coverage because it offers a very specific amount of extra protection that fits customers' needs, which is really important for anyone who wants to safeguard their future against unexpected expenses and legal liabilities," Minnich stated.
About Mercury Insurance
Headquartered in
Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through nearly 4,100 employees and a network of more than 6,500 independent agents in 11 states. Mercury has earned "A" ratings from A.M. Best and Fitch, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on Twitter or Facebook.
Contact: PCG – Shane Smith (424) 903-3665 (ssmith@pacificcommunicationsgroup.com)
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SOURCE Mercury Insurance
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