Ultra-short pulsed (USP) laser ablation of metals is a crucial process in precision manufacturing, enabling applications such as micro-drilling. Understanding the underlying ablation mechanisms is essential for process optimization and advancing its industrial potential. This work presents a fully three-dimensional multiphysical simulation framework based on continuum mechanics, incorporating a two-temperature model, Drude absorption, compressible Navier-Stokes equations, and pressure- and temperature-based phase change models. To enhance the predictive power, a pseudo van der Waals equation of state for the gas phase and a novel material model for the liquid phase have been implemented, specifically designed to address near-critical and supercritical regimes. The improved solver captures the evolution of ablation mechanisms - spanning spallation to phase explosion - across a wide range of fluences governed by variation of pulse energy, diameter, and duration. These insights contribute to a deeper understanding of USP laser-metal interactions and pave the way for optimizing laser processing technologies.