What Mercury Auto Insurance Covers

Mercury is one of California’s largest personal auto insurers and a common choice across the Bay Area. A standard Mercury collision policy typically covers:

• Collision — repair or replacement of your vehicle after an at-fault or uninsured motorist accident
• Comprehensive — theft, fire, weather, falling objects, animal strikes
• Rental reimbursement — daily rental coverage while your car is being repaired (check your policy limits)
• OEM vs. aftermarket parts — Mercury policies vary; you can request OEM (original manufacturer) parts and your shop can advocate on your behalf

Coverage limits and deductibles vary by policy. If you’re unsure what’s included, your Mercury declarations page spells it out.

California Law: You Choose the Shop — Not Mercury

This is the most important thing to know: Mercury cannot legally force you to use a specific repair shop.

Under California Insurance Code § 758.5, your insurer may recommend shops, but you have the absolute right to choose any licensed collision repair facility. If Mercury directs you to a preferred location or a “Mercury Auto Repair Xpress” shop, that is a suggestion — not a requirement.

Choosing your own shop doesn’t jeopardize your coverage. Mercury is required to pay the reasonable cost of repairs at the shop you select. If there’s a dispute over labor rates or parts pricing, your shop can negotiate directly with the adjuster.

At EV Central, we work with Mercury — and every major carrier — directly. We handle the back-and-forth so you don’t have to.

How to File a Mercury Collision Claim in the SF Bay Area

1. Report the accident. Call Mercury at 1-800-503-3724 or file online at mercury.com. Do this as soon as possible — ideally within 24 hours.

2. Get your claim number. Write it down. You’ll need it at every step.

3. Choose your repair shop. You are not required to use Mercury’s preferred network. Call us at (415) 881-1845 and we’ll get your vehicle scheduled.

4. Inspection and estimate. Mercury may send an adjuster or use a photo estimate app. We’ll coordinate directly with them to make sure the estimate covers everything.

5. Authorize repairs. Once the estimate is approved, we order parts and begin work. We’ll keep you updated throughout.

6. Collect your vehicle. We do a final quality check before you pick up. Your deductible is paid at pickup; Mercury covers the rest directly.

Have questions mid-process? We’re reachable by phone or text — no runaround.

We Serve the Entire SF Bay Area

EV Central is based at 718 Bryant St, San Francisco, and serves drivers from across the region:

San Francisco · Oakland · Berkeley · Fremont · San Jose · Palo Alto · Redwood City · Daly City · South San Francisco · Hayward · Concord · Walnut Creek · Marin County · the Peninsula · East Bay · South Bay

Whether you drive a Honda, Toyota, Ford, Tesla, Rivian, or any other make — gas, hybrid, or fully electric — we have the equipment and expertise to restore it correctly.

Ready to Start Your Mercury Claim?

Don’t let your insurance company steer you somewhere you didn’t choose. You have the right to come here — and we’ll make the repair process as smooth as possible.

📞 (415) 881-1845
📍 718 Bryant St, San Francisco, CA
🌐 evcentralservice.com