Mercury Insurance 2012 Annual Report Download - page 23

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and $500,000 per accident, and for property damage, $250,000 per accident. The combined policy limits may be as high as
$1,000,000 for vehicles written under the Company’s commercial automobile program. However, the majority of the Company’s
automobile policies have liability limits that are equal to or less than $100,000 per person and $300,000 per accident for BI and
$50,000 per accident for property damage.
The principal executive offices of Mercury General are located in Los Angeles, California. The home office of the Company’s
California insurance subsidiaries and the Information Technology center are located in Brea, California. The Company also owns
office buildings in Rancho Cucamonga and Folsom, California, which are used to support California operations and future
expansion, and in St. Petersburg, Florida and in Oklahoma City, Oklahoma, which house Company employees and several third
party tenants. The Company maintains branch offices in a number of locations in California; Richmond, Virginia; Latham, New
York; Bridgewater, New Jersey; Vernon Hills, Illinois; Atlanta, Georgia; and Austin and San Antonio, Texas. The Company has
approximately 4,600 employees. On January 22, 2013, the Company implemented a plan to consolidate its non-California office
based claims and underwriting operations into hubs located in St. Petersburg, Florida; Bridgewater, New Jersey; and Austin, Texas.
The Company expects that the consolidation will be completed before the end of the second quarter of 2013.
Website Access to Information
The internet address for the Company’s website is www.mercuryinsurance.com. The internet address provided in this Annual
Report on Form 10-K is not intended to function as a hyperlink and the information on the Company’s website is not and should
not be considered part of this report and is not incorporated by reference in this document. The Company makes available on its
website its Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, Proxy Statements,
and amendments to such reports and proxy statements (the “SEC Reports”) filed with or furnished to the Securities and Exchange
Commission (“SEC”) pursuant to federal securities laws, as soon as reasonably practicable after each SEC Report is filed with or
furnished to the SEC. In addition, copies of the SEC Reports are available, without charge, upon written request to the Company’s
Chief Financial Officer, Mercury General Corporation, 4484 Wilshire Boulevard, Los Angeles, California 90010.
Organization
Mercury General, an insurance holding company, is the parent of Mercury Casualty Company (“MCC”), a California
automobile insurer founded in 1961 by George Joseph, the Company’s Chairman of the Board of Directors. Including MCC,
Mercury General has 21 subsidiaries. The Company’s operations are conducted through the following subsidiaries:
Insurance Companies
Date Formed or
Acquired
A.M. Best
Ratings Primary States
Mercury Casualty Company (“MCC”)(1) January 1961 A+ CA, AZ, NV, NY, VA
Mercury Insurance Company (“MIC”)(1) November 1972 A+ CA
California Automobile Insurance Company
(“CAIC”)(1) June 1975 A+ CA
California General Underwriters Insurance
Company, Inc. (“CGU”)(1) April 1985 Non-rated CA
Mercury Insurance Company of Illinois
(“MIC IL”) August 1989 A+ IL, PA
Mercury Insurance Company of Georgia
(“MIC GA”) March 1989 A+ GA
Mercury Indemnity Company of Georgia
(“MID GA”) November 1991 A+ GA
Mercury National Insurance Company (“MNIC”) December 1991 A+ IL, MI
American Mercury Insurance Company (“AMI”) December 1996 A- OK, GA, TX, VA
American Mercury Lloyds Insurance Company
(“AML”) December 1996 A- TX
Mercury County Mutual Insurance Company
(“MCM”) September 2000 A- TX
Mercury Insurance Company of Florida
(“MIC FL”) August 2001 A+ FL, PA
Mercury Indemnity Company of America
(“MIDAM”) August 2001 A+ NJ, FL