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Edwards Graham Insurance Del Rio Texas
Lake Amistad
Why Choose An Independent Insurance Agency like Edwards-Graham?

Edwards-Graham Insurance Agency is an independent insurance agency. What this means to our clients is that we are an advocate for our clients, not just for our insurance companies. We have contracts with many insurance companies. This has many benefits for our clients.

1. We are not employed by the insurance companies.
Our clients remain our clients. Therefore, as companies change their rates and coverage options, we can make sure that our clients continue to get the best coverage for their needs at the most competitive premium.

2. We are able to shop for our clients to find the best coverage for each client’s individual needs at the most competitive rates.
One insurance company does not fit the needs of all clients. We are able to find the best match of insurance coverage and clients’ needs. This saves lots of time and frustration for our clients who don’t have to make those impersonal phone calls on their own or run all over town to get competitive premium rates.

3. We are our clients’ advocate when billing questions or problems arise.
Our clients can call us to research any billing problems and what to do to correct them. Our clients don’t have to spend a lot of time and deal with a different stranger every time they call other insurance companies’ toll free phone numbers.

4. We are our clients’ advocate when claim problems arise.
Claims are always an inconvenience, even when there are no problems. When problems arise, they can be frustrating, confusing and downright irritating. We are available to our clients when they want to talk to a live person and discuss claims issues.

5. We are our clients’ counselors when policy coverage questions arise.
Life changes quickly, and our clients want to know that their insurance coverage is changing with their needs. We are here to counsel our clients to make sure that they are not too much for insurance and not purchasing too little insurance coverage as these life changes occur.

6. We are insurance professionals. Every customer service representative in our office holds a general agent’s license issued by the Texas Department of Insurance.
We undergo at least 15 hours of continuing education each year to make sure that we stay on top of changes in our industry. We are highly trained in insurance coverage and policies so that you don’t have to do the studying. If we can’t answer your insurance questions immediately, we know where to find the answers quickly so our clients don’t have to do the time-staking research.

Are Your Insurance Limits High Enough? by Rachel Beavan

You may have seen a recent tv commercial showing a young man and his parents in a courtroom. They have just found out that they have to pay for a lawsuit settlement that exceeds their insurance limits. Can this really happen? You bet! There is another tv commercial where an attorney is telling you that if you are on a jury, you cannot base a judgment against someone on their insurance limits. This is a bit more confusing, but what he is telling you is that if you are sued for an auto accident, a jury will determine how much you owe the other party without knowing what your insurance limits are. There is a good chance they could decide that you owe more than your insurance limits. If that happens, where does the money come from? It could come from your savings, college funds or your IRA. You could be forced to sell some of your assets. Your wages could be garnished. The answer is…the extra money comes from you. In a turbulent economy, most people only think about how much their insurance will cost them. If your insurance agent is doing his job, he or she will give you options in coverage limits based on your individual situation. What do you have to lose if you are the one in that court room facing that jury? How do you know what your insurance limits are? Look on your policy. Texas requires minimum auto insurance limits of $25,000 per person for bodily injury up to $50,000 per accident, regardless of the number of people in the car. If you cause an accident, and the other party requires surgery, how far will $25,000 take you? If the operation is $50,000, your insurance company will only pay the top limit of $25,000. Are you financially prepared to pay for the rest? Wouldn’t you rather spend that $25,000 on something for your family? How do you know what insurance limits are right for you? Your agent should be talking to you about this. Here’s where to start…make a list of all of your assets. This includes your home, your cars, your checking and savings accounts. Then consider your household income. How much do you need to protect? That will give you an idea of what insurance limits are right for you. Then talk to your agent before you end up in the courtroom.