If your vehicle needs repair, drive it (or have it towed) to the nearest licensed repair facility and present your contract/policy to the service department. The repair facility will call a Mercury Insurance claims administrator to receive repair authorization for all your covered repairs. Mercury Insurance claims are paid directly to the repair facility via our corporate credit card (you do not pay "out of pocket" except for your deductible).
Repairs may be completed at any licensed repair facility in the United States or Canada.
DIRECT PAYMENT TO REPAIR FACILITY
American Mercury Insurance Company will supply a national credit card number to the repair shop for payment of all authorized repair costs.
NO LIMIT ON CLAIMS
There is no limit on the number of times you can use your Protection Plan.
MERCURY INSURANCE CLAIMS AUTHORIZATION NUMBER
Mercury Insurance claims adjusters are certified by the National Institute for Automotive Service Excellence.
The choice is yours. You can take your vehicle to any licensed repair facility you choose in the US and Canada.
You can take your vehicle to any licensed repair facility throughout the United States and Canada. Our claims department can be reached through our toll-free telephone number 800-654-8455 M-F 8am-7pm, Sat 8am - 2:00pm Central time.
Customers unable to get prior authorization before the repairs can be completed can, at their own discretion, have the repairs completed at their own expense and will be reimbursed for all covered components. They must report the emergency repairs to the claims department on the first normal business day following the emergency.
The deductible varies depending upon the plan and program quoted. Lower deductibles are available for a small charge. To determine the deductible options, simply use our FREE state-of-the-art online quoting system.
Your deductible (if any) is applied per repair visit...so, if you have 3 different components repaired during one visit to the repair facility, you will incur only one deductible.
Once the repair is authorized and completed, we pay the repair facility/dealership immediately by credit card. Repair facilities and dealerships are generally eager to accept the business we refer to them. In the rare event that a dealer does not accept our payment and you have to pay out of pocket, you will be reimbursed once you send in documentation of payment for the authorized repairs.
No. Repairs must be performed at a Licensed Repair Facility.