Bodily Injury Costs Increase in Nevada, According to Mercury Insurance
Mercury Insurance (NYSE: MCY) has launched an enhanced personal umbrella insurance policy in Nevada, marking its eighth state rollout. The new policy addresses the significant 35% increase in average liability claim amounts since the pandemic began. This expanded coverage offers protection starting at just over $1 per day, providing additional security beyond traditional auto and home insurance policies.
The enhanced umbrella policy features include multi-policy discounts, a 5% discount for accident-free drivers, and liability coverage options ranging from $1 million to $2 million. Mercury aims to protect Nevadans against rising bodily injury costs from incidents such as multi-vehicle crashes, dog bites, and property-related injuries.
Mercury Insurance (NYSE: MCY) ha lanciato una polizza migliorata di assicurazione ombrello personale in Nevada, segnando il suo ottavo rollout statale. La nuova polizza affronta l’aumento significativo del 35% degli importi medi delle richieste di risarcimento per responsabilità dall’inizio della pandemia. Questa copertura ampliata inizia a poco più di 1 dollaro al giorno, offrendo una sicurezza aggiuntiva oltre le tradizionali polizze auto e casa.
Le caratteristiche della polizza ombrello includono sconti multipolizza, uno sconto del 5% per conducenti senza incidenti e opzioni di copertura della responsabilità che vanno da 1 a 2 milioni di dollari. Mercury punta a proteggere i nevadensi dai costi crescenti per lesioni corporali derivanti da incidenti quali incidenti multi-veicolo, morso di animali e infortuni legati a proprietà.
Mercury Insurance (NYSE: MCY) ha lanzado una póliza mejorada de umbrella personal en Nevada, marcando su octava expansión estatal. La nueva póliza aborda el significativo aumento del 35% en los importes medios de reclamación por responsabilidad desde que inició la pandemia. Esta cobertura ampliada empieza a poco más de $1 al día, brindando seguridad adicional más allá de las pólizas tradicionales de auto y casa.
Las características de la póliza mejorada incluyen descuentos por múltiples pólizas, un descuento del 5% para conductores sin accidentes y opciones de cobertura de responsabilidad que van de $1 millón a $2 millones. Mercury busca proteger a los nevadenses frente al aumento de costos por lesiones corporales derivadas de incidentes como choques entre varios vehículos, mordeduras de perros y lesiones relacionadas con la propiedad.
Mercury Insurance (NYSE: MCY)가 네바다주에서 강화된 개인용 우산 보험 정책을 출시하며 8번째 주 확장을 기록했습니다. 새 정책은 팬데믹 시작 이후 평균 책임 청구액이 35% 증가한 문제를 다룹니다. 확장된 보장은 하루 약 1달러를 약간 넘는 비용으로 시작되며, 기존 자동차 및 주택 보험을 넘어서는 추가 보장을 제공합니다.
주요 특징으로는 다정의 정책 할인, 무사고 운전자에 대한 5% 할인, 책임 보장 한도가 100만 달러에서 200만 달러까지인 옵션이 있습니다. Mercury는 다차량 추돌, 개 물림, 재산 관련 부상과 같은 사고로 인한 신체 손해 비용 증가로부터 네바다 주민들을 보호하는 것을 목표로 합니다.
Mercury Insurance (NYSE: MCY) a lancé une police améliorée d’assurance parapluie personnelle dans le Nevada, marquant son huitième déploiement dans un État. La nouvelle police répond à l’augmentation significative de 35% des montants moyens des sinistres en responsabilité depuis le début de la pandémie. Cette couverture élargie commence à un peu plus d’1 dollar par jour, offrant une sécurité supplémentaire au-delà des assurances auto et habitation traditionnelles.
Les caractéristiques de la police parapluie améliorée incluent des réductions multi-polices, une remise de 5% pour les conducteurs sans accident et des options de couverture de responsabilité allant de 1 à 2 millions de dollars. Mercury cherche à protéger les Névadiens contre l’augmentation des coûts des dommages corporels dus à des incidents tels que des collisions impliquant plusieurs véhicules, des morsures de chiens et des dommages matériels.
Mercury Insurance (NYSE: MCY) hat in Nevada eine verbesserte private Haftpflichtversicherungspolice eingeführt und damit ihren achten bundesstaatlichen Rollout abgeschlossen. Die neue Police adressiert den signifikanten Anstieg der durchschnittlichen Haftpflichtforderungen um 35% seit Beginn der Pandemie. Der erweiterte Schutz beginnt bei etwas mehr als 1 Dollar pro Tag und bietet zusätzlichen Schutz jenseits herkömmlicher Auto- und Hausversicherungen.
Zu den Merkmalen der verbesserten Police gehören Multi-Policy-Rabatte, ein 5%-Rabatt für unfallfreie Fahrer und Haftpflichtdeckungen von 1 Million bis 2 Millionen Dollar. Mercury will Nevadaner vor steigenden Kosten für Personenschäden durch Vorfälle wie Mehrfahrzeugunfälle, Hundebisse und Immobilien-/Sachschäden schützen.
Mercury Insurance (NYSE: MCY) أطلقت سياسة بوليصة مظلة شخصية محسّنة في نيفادا، وهو ما يمثل الحَزمة الثامنة من التوسع في الولايات. تتناول السياسة الجديدة الارتفاع الكبير بنسبة 35% في مبالغ المطالبات المسؤوليـة المتوسطة منذ بداية الجائحة. التغطية الموسعة تبدأ بأقل من دولار واحد في اليوم، وتوفر حماية إضافية إلى جانب بوليصات التأمين على السيارات والمنازل التقليدية.
تشمل ميزات بوليصة الظل المحسّنة خصومات متعددة للسياسات، وخصم 5% للسائقين خاليين من الحوادث، وخيارات تغطية المسؤولية من 1 مليون إلى 2 مليون دولار. تسعى Mercury إلى حماية سكان نيفادا من زيادة تكاليف الإصابات الجسدية الناتجة عن حوادث مثل حوادث متعددة المركبات، عضات الكلاب، والإصابات المرتبطة بالممتلكات.
Mercury Insurance（NYSE: MCY） 已在内华达州推出强化版个人伞险政策，成为其第八个州级扩张。新保单应对疫情以来责任赔偿额的显著上涨，平均赔偿额上升约35%。扩展后的保障起价略高于每天1美元，提供超越传统汽车与房屋保险的额外保障。
增强伞险的特点包括多保单折扣、无事故驾驶员额外5%折扣，以及责任险保障额度从100万美元至200万美元的选项。Mercury旨在保护内华达州居民，免受多车相撞、犬咬及与财产相关的伤害等事件所致的上升身体伤害成本。
- New umbrella policy offers up to $2 million in liability coverage
- Multi-policy discounts available across auto, homeowners and umbrella policies
- 5% discount offered for 3-year accident and violation-free drivers
- Affordable coverage starting at just over $1 per day
- 35% increase in average liability claim amounts since pandemic
- Rising trend of liability injury claims exceeding traditional policy limits
Mercury's New Umbrella Insurance Better Protects Nevadans' 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 Nevadans that offers extra protection with bolstered coverages beginning at just over
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 Nevadans, which puts them at risk of having to pay out of pocket," said Nick Colby, Vice President and Chief Sales Officer at Mercury Insurance. "Mercury has redesigned its umbrella insurance to give Nevadans 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," 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. - 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," Colby stated.
About Mercury Insurance
Mercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in
Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 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 X, Instagram or Facebook.
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SOURCE Mercury Insurance
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