![]() Mercury also offers roadside assistance, an optional 24/7 coverage that you can add to an auto policy. Uninsured/underinsured motorist insurance: This type of auto insurance pays for medical expenses if you and other passengers (or other drivers of your insured vehicle) are injured in an accident caused by an uninsured or underinsured driver.Rental car reimbursement: This optional coverage pays for rental car costs while you’re without your everyday vehicle because of a covered loss.Unlike medical payments coverage, PIP also covers lost wages and child care costs incurred after a covered accident. Personal injury protection (PIP): PIP pays medical costs and other expenses for you and your passengers following a car accident, regardless of who was at fault. ![]() Medical payments coverage (MedPay): Additional coverage that can supplement your auto insurance policy, MedPay helps pay for your and your passengers’ medical expenses resulting from a covered accident, regardless of fault.It can also pay for your legal defense if you’re sued after an accident. Liability protection: Liability car insurance pays for damages and injuries that others have suffered if you’re at fault for a covered loss.If you financed your car or have a lease, you’ll probably be required to have both collision and comprehensive insurance. Comprehensive coverage: Typically sold with collision coverage, comprehensive insurance pays to repair your vehicle if it is stolen, vandalized or damaged by falling objects, an animal, flood or fire.Collision insurance: This type of optional car insurance coverage pays to repair or replace your car if you hit something, such as a guardrail or another vehicle, regardless of who is at fault for the accident.Mercury provides a number of common car insurance coverage options so you can create a policy that’s tailor-made for your individual needs. Types of car insurance coverage offered by Mercury Also look for coverages or benefits that Mercury does not offer, like a vanishing deductible or accident forgiveness. When you get a quote from Mercury, be sure to check out at least three other insurers and compare their rates. Mercury compared to other car insurance companies Repairs at these shops are guaranteed for as long as a policyholder owns the vehicle. Mercury also offers its policyholders a streamlined vehicle repair experience with designated Mercury-authorized auto shops. This can indicate a higher level of customer satisfaction compared to insurers with higher complaint levels. To balance its higher rates, however, Mercury has a level of consumer complaints that is below the national average for car insurance, according to the National Association of Insurance Commissioners (NAIC). If you’re looking for the cheapest car insurance, get quotes from Auto-Owners and USAA (if you qualify for membership) instead. Mercury has above-average rates for most driver types.
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