Bodily Injury Costs Increase in Georgia, According to Mercury Insurance
Mercury Insurance (NYSE: MCY) has launched a new personal umbrella insurance policy in Georgia, marking its sixth state expansion after California, Texas, Oklahoma, Illinois and Arizona. The launch responds to a 35% increase in average liability claim amounts since the pandemic.
The new policy offers enhanced protection against bodily injury claims starting at less than $1.00 per day. Key features include:
- Multi-policy discounts across auto, homeowners and umbrella policies
- 5% discount for 3-year accident and violation-free drivers
- Uninsured motorist coverage up to $1 million
- Liability coverage options from $1 million to $2 million
The announcement comes as Georgia faces rising costs from multi-vehicle crashes, dog bites, and property-related injuries. Mercury cites a case where a policyholder, who became a doctor, faced significant out-of-pocket expenses after a moped accident due to insufficient coverage.
Mercury Insurance (NYSE: MCY) ha lanciato una nuova polizza di assicurazione personale ombrello in Georgia, segnando la sua sesta espansione statale dopo California, Texas, Oklahoma, Illinois e Arizona. Questo lancio risponde a un aumento del 35% degli importi medi delle richieste di risarcimento per responsabilità civile dall'inizio della pandemia.
La nuova polizza offre una protezione migliorata contro le richieste di risarcimento per lesioni personali a partire da meno di $1.00 al giorno. Le caratteristiche principali includono:
- Sconti per polizze multiple su auto, abitazioni e polizze ombrello
- Sconto del 5% per conducenti senza incidenti e violazioni per 3 anni
- Copertura per conducenti non assicurati fino a $1 milione
- Opzioni di copertura per responsabilità da $1 milione a $2 milioni
L'annuncio arriva mentre la Georgia affronta costi crescenti derivanti da incidenti con più veicoli, morsicature di cani e infortuni legati alla proprietà. Mercury cita un caso in cui un assicurato, diventato medico, ha affrontato spese significative dopo un incidente con un motorino a causa di una copertura insufficiente.
Mercury Insurance (NYSE: MCY) ha lanzado una nueva póliza de seguro personal de paraguas en Georgia, marcando su sexta expansión estatal después de California, Texas, Oklahoma, Illinois y Arizona. Este lanzamiento responde a un aumento del 35% en los montos promedio de reclamos de responsabilidad civil desde la pandemia.
La nueva póliza ofrece una protección mejorada contra reclamaciones por lesiones corporales a partir de menos de $1.00 al día. Las características clave incluyen:
- Descuentos por pólizas múltiples en automóviles, vivienda y pólizas de paraguas
- Descuento del 5% para conductores sin accidentes ni violaciones durante 3 años
- Cobertura para conductores no asegurados de hasta $1 millón
- Opciones de cobertura de responsabilidad de $1 millón a $2 millones
El anuncio llega en un momento en que Georgia enfrenta costos crecientes por accidentes de múltiples vehículos, mordeduras de perros y lesiones relacionadas con la propiedad. Mercury cita un caso en el que un asegurado, que se convirtió en médico, enfrentó gastos significativos de su bolsillo después de un accidente de scooter debido a una cobertura insuficiente.
머큐리 보험 (NYSE: MCY)가 조지아에서 새로운 개인 우산 보험 상품을 출시했습니다. 이는 캘리포니아, 텍사스, 오클라호마, 일리노이, 애리조나에 이어 여섯 번째 주 확장입니다. 이번 출시는 팬데믹 이후 평균 책임 청구 금액이 35% 증가한 데 대한 대응입니다.
새로운 정책은 하루에 $1.00 미만으로 신체 상해 청구에 대한 향상된 보호를 제공합니다. 주요 특징은 다음과 같습니다:
- 자동차, 주택 및 우산 보험에 대한 다중 보험 할인
- 3년간 사고 및 위반이 없는 운전자를 위한 5% 할인
- 최대 $1백만의 무보험 자동차 운전자를 위한 보장
- $1백만에서 $2백만까지의 책임 보장 옵션
이번 발표는 조지아가 다중 차량 사고, 개 물림 및 재산 관련 부상으로 인해 증가하는 비용에 직면하고 있는 가운데 이루어졌습니다. 머큐리는 한 보험 가입자가 의사가 된 후, 불충분한 보장으로 인해 스쿠터 사고 후 상당한 자비 부담을 겪었다는 사례를 인용했습니다.
Mercury Insurance (NYSE: MCY) a lancé une nouvelle police d'assurance personnelle parapluie en Géorgie, marquant sa sixième expansion dans un État après la Californie, le Texas, l'Oklahoma, l'Illinois et l'Arizona. Ce lancement répond à une augmentation de 35 % des montants moyens des réclamations de responsabilité depuis la pandémie.
La nouvelle police offre une protection améliorée contre les réclamations pour blessures corporelles à partir de moins de 1,00 $ par jour. Les caractéristiques clés comprennent:
- Remises pour polices multiples sur les assurances automobile, habitation et parapluie
- Remise de 5 % pour les conducteurs sans accident ni infraction pendant 3 ans
- Couverture pour les conducteurs non assurés jusqu'à 1 million de dollars
- Options de couverture de responsabilité de 1 million à 2 millions de dollars
L'annonce intervient alors que la Géorgie fait face à des coûts croissants dus à des accidents impliquant plusieurs véhicules, des morsures de chiens et des blessures liées à la propriété. Mercury cite un cas où un assuré, devenu médecin, a dû faire face à des dépenses importantes après un accident de scooter en raison d'une couverture insuffisante.
Mercury Insurance (NYSE: MCY) hat eine neue persönliche Regenschutzversicherung in Georgia eingeführt, was die sechste staatliche Expansion nach Kalifornien, Texas, Oklahoma, Illinois und Arizona darstellt. Der Start erfolgt als Reaktion auf einen Anstieg der durchschnittlichen Haftpflichtansprüche um 35 % seit der Pandemie.
Die neue Police bietet verbesserten Schutz gegen Körperverletzungsansprüche ab weniger als 1,00 $ pro Tag. Zu den wichtigsten Merkmalen gehören:
- Rabatte für Mehrfachpolicen für Auto-, Haus- und Regenschutzversicherungen
- 5 % Rabatt für unfall- und verstoßfreie Fahrer über 3 Jahre
- Deckung für unversicherte Fahrer bis zu 1 Million $
- Haftpflichtdeckungsoptionen von 1 Million $ bis 2 Millionen $
Die Ankündigung erfolgt zu einem Zeitpunkt, an dem Georgia mit steigenden Kosten durch Mehrfahrzeugunfälle, Hundebisse und eigentumsbezogene Verletzungen konfrontiert ist. Mercury zitiert einen Fall, in dem ein Versicherungsnehmer, der Arzt wurde, nach einem Mopedunfall aufgrund unzureichender Deckung erhebliche eigene Ausgaben hatte.
- None.
- None.
Mercury's New Umbrella Insurance Better Protects Georgians' 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 Georgians 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 Georgia is the sixth launch of this expanded insurance product for Mercury Insurance, after
"Without umbrella insurance, many Georgians are at risk of paying out of pocket for a major accident," said Nick Colby, VP and Chief Sales Officer at Mercury Insurance. "Mercury umbrella insurance offers an extra layer of protection for home and car owners and peace of mind for
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
"This resulted in payments deducted from his salary for a number of years until the settlement was paid off," Colby 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
"At Mercury, our umbrella policies provide very tailored extra protection depending on your needs. These policies are perfect for those who want to protect their homes and valuables against unexpected legal judgments and those looking for a quick payday," stated Colby.
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 an "A" rating from A.M. Best, 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.
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SOURCE Mercury Insurance
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