Mercury Insurance

⚠️ Article status notice: This article has been marked as incomplete

This article needs additional work to meet the wiki's Content Guidelines and be in line with our Mission Statement for comprehensive coverage of consumer protection issues.

This notice will be removed once sufficient documentation has been added to establish the systemic nature of these issues. Once you believe the article is ready to have its notice removed, visit the discord and post to the #appeals channel.

Learn more ▼

This Article Requires Additional Verification

---

This article has been flagged due to verification concerns. While the topic might have merit, the claims presented lack citations that live up to our standards, or rely on sources that are questionable or unverifiable by our standards. Articles must meet the Moderator Guidelines and Mission statement; factual accuracy and systemic relevance are required for inclusion here!

Why This Article Is In Question

---

Articles in this wiki are required to:

• Provide verifiable & credible evidence to substantiate claims.
• Avoid relying on anecdotal, unsourced, or suspicious citations that lack legitimacy.
• Make sure that all claims are backed by reliable documentation or reporting from reputable sources.

Examples of issues that trigger this notice:

• A topic that heavily relies on forum posts, personal blogs, or other unverifiable sources.
• Unsupported claims with no evidence or citations to back them up.
• Citations to disreputable sources, like non-expert blogs or sites known for spreading misinformation.

How You Can Improve This Article

---

To address verification concerns:

• Replace or supplement weak citations with credible, verifiable sources.
• Make sure that claims are backed by reputable reporting or independent documentation.
• Provide additional evidence to demonstrate systemic relevance and factual accuracy. For example:
  • Avoid: Claims based entirely on personal anecdotes or hearsay without supporting documentation.
  • Include: Corporate policies, internal communications, receipts, repair logs, verifiable video evidence, or credible investigative reports.

If you believe this notice has been placed in error, or once the article has been updated to address these concerns, please visit the #appeals channel on our Discord server: Join here.

Mercury Insurance

Basic information
Founded	1960
Type	Public
Industry	Insurance
Official website	http://www.mercuryinsurance.com/

Mercury General Corporation is a multiple-line insurance organization that offers personal automobiles, homeowners, renters, and business insurance. Mercury's primary focus is automobiles and homeowners' insurance.

It is necessary and appropriate for an insurance business to have knowledge about the people and property they insure. Cell phone photos can serve as a convenient and effective method to facilitate this process.

Mercury Insurance requires customers to provide photos through a dedicated app that must be installed on their phones. However, to gain access to the app, users must agree to the terms of service.

Virtual Home Inspection app

The app, called Property Assistant, is marketed as a handy tool to help your insurance provider collect information about the status and condition of your home—presumably for insurance purposes. However, to use the app, you are required to consent to a license agreement that grants LexisNexis (its parent company) and its affiliates the right to use your data for any reason whatsoever and share it with anyone, anywhere, in perpetuity.^{[citation needed - link to license agreement]}

Consent to Use of Data: You agree that Application Provider may collect use, reproduce, distribute, publish, export, transmit, create derivative works from, adapt, modify, make copies and retain, edit and translate, in perpetuity:  (i) technical data and related information, including but not limited to technical information about Your device, system and application software, and peripherals, that are gathered periodically to facilitate the provision of software updates, product support and other services to You (if any) related to the Licensed Product; (ii) any and all information You, directly or indirectly, submit, post, transmit or upload to the Licensed Product ("User Data"), which may include, without limitation, Your address, name, email address, photographs, text, images, graphics, photos, comments, suggestions, and communications with Application Provider; and (iii) location based and geographical information. Application Provider may provide Your User Data and information to third parties including: Application Provider"s parent company and/or group affiliates; the company whose mobile application you utilized to provide the User Data and information, Your insurance carrier, a potential insurance carrier, or insurance carrier you file a claim with; individuals to which You consent or provide access to your information or device; or to other relevant third-party service providers, parent companies and/or group affiliates to those entities listed above or others that are assisting in the provision of this Licensed Product (collectively, "Other Parties").  Additionally, Application Provider and Other Parties may use Your User Data, to improve its products or to provide services or technologies to You and for other products and services to which You consent; for commercial purposes; claims authentication and investigations; underwriting of insurance; risk mitigation; and fraud prevention  However, Application Provider will not make any of Your User Data that is personal information public. You understand that by using the Licensed Product, You consent to the Application Provider using Your User Data and information previously provided in the Licensed Product prior to the last modified date of this Agreement in the manner set forth herein.  You also understand that Application Provider and Other Parties may be required by law to disclose Your User Data or information regarding Your use of the Licensed Product and if required by law, Application Provider and Other Parties will comply with such requests.