# Mercury Claim? Body Shop Lewisville TX | DG Collision > Yes — we repair Mercury insured vehicles (Mercury County Mutual paper too): direct billing, teardown-documented supplements, free loaners, lifetime warranty. (972) 219-0864. - Canonical page: https://dgcollision.com/mercury-body-shop-lewisville/ - This file: Markdown twin of the page above (clean text for AI assistants and crawlers) - Business: DG Collision Center, 693 Metro Park Cir #20, Lewisville, TX 75057 — (972) 219-0864 (text: 817-907-2822) — since 1978 - Hours: Mon–Fri 8:30am–5:30pm, Sat 10am–1pm, closed Sunday · 24/7 towing · 4.9/5 on 500+ Google reviews - Full site index for assistants: https://dgcollision.com/llms.txt - Last generated: 2026-08-14 --- Independent Shop · All Carriers Billed Direct # MERCURY CLAIM? THE CARRIER THAT PRICED THE DRIVER, NOT THE CATEGORY. Yes — we repair Mercury-insured vehicles all the time. Direct billing, supplements documented at teardown, ADAS calibration through our specialist partners, free loaner cars, written lifetime warranty. And there’s a piece of Mercury’s own history worth borrowing for your claim: in 1962 this company broke the industry habit of charging every driver the category average and priced people by their actual record. A first estimate prices your damage by the category average. The teardown prices what your car actually needs — and that’s the part we run. The Navigator’s Carrier, Explained Direct billing to Mercury — you typically pay the deductible, once Mercury County Mutual paper — the Texas entity, handled identically Bought through an agent? The claim still runs here — your shop choice is yours 4.9★ · 500+ Google reviews · since 1978 TL;DR Mercury’s founding story is the best claims advice its customers never hear. Founder George Joseph — a B-17 navigator who flew roughly fifty wartime missions, then took a Harvard physics-and-math degree in three years on the G.I. Bill — noticed the industry charged every driver the category average, and in 1962 built Mercury on a then-radical idea: price the actual record, not the category. He stayed at the helm past his 100th birthday. Here’s why that history belongs on a body-shop page: a first claim estimate is category pricing — a photo-scored guess at what this kind of hit usually costs — and the teardown is record pricing: every hidden finding on your car photographed, itemized, and matched to factory procedures, submitted as one comprehensive supplement. Mercury was founded on the difference between those two numbers; so is our estimate process. The claim itself runs like any other here: file it, hand us the claim number, and we bill direct — your out-of-pocket typically your deductible, once, with genuine parts argued in writing under Insurance Code §1952.301. Paper clarity: Texas Mercury policies commonly ride on Mercury County Mutual Insurance Company — a Texas-incorporated entity in the same family, billed identically. If your policy is liability-only, it pays for the people you hit, not for your own car — our [liability-only guide](https://dgcollision.com/guides/liability-only-car-damage-texas/) maps every scenario. Free loaner from our 50+ fleet, no day limit, written lifetime warranty, Lewisville since 1978. - Priced by record, not category — Mercury’s 1962 founding idea. Your repair estimate deserves the same standard: the teardown prices your car, not the average. - The navigator’s carrier — founded by a B-17 navigator turned Harvard mathematician who stayed at the helm past 100. The arithmetic culture is real. - Mercury County Mutual is the Texas paper — same family, same claim; we bill it identically. - Low rates ≠ thin claims — Mercury’s pricing comes from underwriting selection, not from a smaller obligation to fix your car. The policy pays what it says. - §1952.301 reads no rate card — shop choice and parts protections are identical on every Texas auto policy, this one included. - One number out of pocket, typically — your deductible, once; Mercury pays the approved balance direct to us. Reviewed by [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center Updated August 20, 2026 I-CAR Gold Class · PPG Certified ## How Mercury Claims Work At An Independent Shop The mechanics are the ones we run every day: file the claim with Mercury, hand us the claim number, and we take it from there. Direct billing, complete teardown documentation, one comprehensive supplement with photos and factory procedures attached, every adjuster conversation handled for you. You typically pay your deductible; Mercury pays the approved balance straight to us. Most Texas Mercury policies were quoted by an independent agent and ride on Mercury County Mutual paper — neither detail changes anything about the repair: the claim runs through Mercury’s machinery, and your shop choice stays exactly where Texas law put it. With you. What’s worth borrowing from this carrier is its founding argument. Most drivers picked Mercury because the rate beat the big names — and the rate beats the big names because of an idea the company’s founder had in 1962: stop charging every driver the category average and price the actual record instead. Hold that thought while you look at your first claim estimate, because a photo-scored opening number is category pricing in its purest form — a guess at what this kind of hit usually costs, written before anyone has seen what your car actually needs. The teardown is where the category becomes the record. Mercury’s own history says the second number is the honest one. We agree, and we document our way there on every claim. Still deciding whether to file at all? Our [insurance-rates guide](https://dgcollision.com/guides/hail-claim-insurance-rates/) and [supplements guide](https://dgcollision.com/guides/insurance-estimate-final/) walk the money side honestly before you commit to anything. ## The Navigator’s Carrier, Explained The founder’s math is the brand. George Joseph navigated B-17s through roughly fifty wartime missions, came home to a Harvard physics-and-mathematics degree finished in three years on the G.I. Bill, spent his early career as a systems analyst pricing risk for a life insurer — and in 1962 opened Mercury on the observation that auto insurers were charging every driver the same category rates regardless of record. His fix — rates differentiated by the driver’s actual record and experience — was, by the company’s own account, a first in the industry. It worked well enough that he stayed at the helm past his 100th birthday. That’s the culture behind your policy: an arithmetic company, built by a man who trusted measured facts over averages. The Texas paper: Mercury policies here commonly ride on Mercury County Mutual Insurance Company — a Texas-incorporated entity controlled by Mercury General. Same family, same claims machinery, billed identically; the county-mutual structure is how most national carriers write Texas personal auto, and it changes nothing about your rights or our billing. And a value-honesty note we owe you: a low rate is not a thin claim. Mercury’s pricing edge comes from underwriting selection — choosing and pricing risks carefully — not from a discount on its obligation to fix your car. The policy pays what the policy says; our job is making sure what it says reflects what your car actually needs. The rights that don’t shrink: [§1952.301](https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm) applies to every auto policy written in Texas — shop choice is yours, and no insurer can limit coverage by the brand, type, kind, age, vendor, supplier, or condition of parts. The statute doesn’t read your rate card. If an adjuster leans on your choice, our [shop-choice guide](https://dgcollision.com/guides/insurance-recommended-body-shop/) has the exact scripts. ## Your Mercury Claim, Step By Step | Claim Stage | What Mercury Does | What We Do | |---|---|---| 1. File the claim Online, through your agent, or by phone — use the claims contact on your own policy card Nothing yet — or call us first to see if the damage even clears your deductible 2. First estimate Photo-based or walk-around — the category average, priced before anyone opens the car Treat it as an opening number; schedule drop-off and your free loaner 3. Teardown Waits on documentation Full teardown and blueprint — every hidden finding photographed and itemized against factory procedures 4. Supplement Adjuster reviews — typically 2–5 business days per cycle One comprehensive, photographed supplement — the moment category pricing becomes record pricing 5. Repair & delivery Pays the approved total minus your deductible, direct to the shop Repair, refinish, post-repair scan, specialist-partner ADAS calibration, detail, delivery — with our written lifetime warranty The stage that decides a Mercury claim is #4 — the supplement, because that’s where the two kinds of numbers trade places. The opening estimate priced a category; the supplement prices your car — and it only wins that argument if the evidence is complete: photographs of every hidden finding, each line itemized, each procedure cited. Done as one comprehensive package instead of a drip, it’s also the format adjusters approve fastest. It’s the same bet Mercury’s founder made in 1962 — measured facts beat the average — applied to the repair side of the same industry. The mechanics live in our [supplements guide](https://dgcollision.com/guides/insurance-estimate-final/) and on the [collision repair page](https://dgcollision.com/services/collision-repair/). Real Results ## THE CATEGORY SAYS BUMPER. THE RECORD SAID MORE. Drag the slider. A rear-ender — the claim category pricing shortchanges most often, torn down, documented, supplemented, and billed direct to the carrier. Before After #### Rear-End Rebuild — Priced By What Was Actually There Pictured: a customer’s Toyota Corolla Cross — the everyday rear-ender whose hidden damage a photo estimate never sees; torn down, documented, supplemented, and billed direct to the carrier; the customer paid the deductible, nothing more ### Have A Mercury Claim Number Already? That’s all we need — Mercury County Mutual paper included. Call or text it over with a couple of photos; we’ll schedule drop-off, reserve your free loaner, and run the claim from here. Common Questions ## MERCURY CLAIMS FAQ **Q: Does DG Collision Center work with Mercury claims?** A: Yes — we repair Mercury-insured vehicles all the time: direct billing, teardown-documented supplements, and every adjuster conversation handled for you. We’re an independent shop with no carrier partnerships, and there’s only one standard of work here — the rate you pay for coverage has nothing to do with the quality of your repair. **Q: My card says Mercury County Mutual — is that Mercury?** A: Yes. Texas Mercury policies commonly ride on Mercury County Mutual Insurance Company — a Texas-incorporated entity controlled by Mercury General. The county-mutual structure is simply how most national carriers write Texas personal auto; it’s the same family and the same claims process, your §1952.301 shop-choice rights are fully intact, and we bill it identically: direct billing, documented supplements, done. **Q: Who actually is Mercury? I only know the low rate.** A: A better story than most: Mercury was founded in 1962 by George Joseph — a B-17 navigator who flew roughly fifty missions in the Second World War, earned a Harvard physics-and-mathematics degree in three years on the G.I. Bill, and priced risk for a living before striking out on his own. His founding idea, a first in the industry by Mercury’s own account: stop charging every driver the category average and price the actual record. He stayed at the helm past his 100th birthday. The low rate you found isn’t a gimmick — it’s sixty years of that arithmetic, sold in Texas through independent agents. **Q: Mercury’s rate was the cheapest I found. Does a cheap policy mean a cheap repair?** A: No — and this is worth saying precisely. Mercury’s pricing edge comes from underwriting selection: choosing and pricing risks carefully on the way in. It is not a discount on the company’s obligation on the way out — your policy pays what the policy says, the same §1952.301 rights apply, and the repair standard is set by this shop, not by your premium. What a value carrier does share with every carrier is a preference for the opening number; the answer to that is documentation, and it’s the same answer at every rate tier. **Q: I bought my policy through a local agent. Does the claim go through them?** A: Your agent can absolutely help — and many Mercury agents in DFW are genuinely good at nudging a claim along — but the claim itself runs through Mercury’s claims operation, not the agency. Practically: file with Mercury, hand us the claim number, and we handle the adjuster from there; keep your agent in the loop if you like the extra advocate. Nothing about the agency channel changes your shop choice — that decision was never the agent’s or the adjuster’s to make. It’s yours, and Texas law says so. **Q: Do I have to use a body shop Mercury recommends?** A: No. Texas Insurance Code §1952.301 puts shop choice with you on every auto policy written in this state, and it bars insurers from limiting coverage by the brand, type, kind, age, vendor, supplier, or condition of parts. A recommendation is allowed; steering past your stated choice isn’t. Tell the adjuster the car is going to DG Collision Center, hand us the claim number, and the rest is our job. If anyone leans on you, our [shop-choice guide](https://dgcollision.com/guides/insurance-recommended-body-shop/) has the exact scripts. **Q: I only carry liability with Mercury. Who pays for my car?** A: Honestly: liability pays for the people you hit — their car, their property — not for yours. If the other driver caused the crash, their carrier owes for your repair. If the fault was yours, or the other driver fled or carries nothing, your own collision or comprehensive coverage steps in — and if you didn’t buy those, the repair becomes a cash conversation we price honestly from our published cost tables. Our [liability-only guide](https://dgcollision.com/guides/liability-only-car-damage-texas/) maps every scenario, and the [not-my-fault guide](https://dgcollision.com/guides/accident-not-my-fault/) covers the third-party route step by step. **Q: What’s my out-of-pocket — and do I get a loaner?** A: Typically one number: your deductible, once — Mercury pays the approved balance directly to us. Using your own shop doesn’t meaningfully slow anything down: claims move at the speed of documentation, and complete, photographed, itemized supplements are the format adjusters approve fastest. A free loaner from our 50+ fleet carries you for the full duration, no day limit — when your policy includes rental coverage we bill your insurer for the loaner, and when it doesn’t, you still pay nothing, which matters on value policies that often skip it. And on qualifying claims, deductible assistance is legal on Texas auto repairs with honest billing; our [deductible guide](https://dgcollision.com/guides/do-i-have-to-pay-my-deductible/) explains the mechanism.