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Edwards Graham Insurance Del Rio Texas
ID Theft Prevention
Confidentiality Statement

Our employees and agents sign the following statement.

I _____________________________________ understand and agree that confidentiality of client and employee information is very important. I agree to adhere to the following requirements:

I will not divulge any client (former, current, or potential) information to anyone, either inside or out of the office, outside the normal course of insurance business unless authorized by the client in writing. This includes, but is not limited to, financial information, credit scores, insurable interests, mortgagee information, and insurance coverage information. This pertains to anyone other than the client or his insurance company/adjuster requesting information about the client.

I will maintain the utmost care when clients’ confidential information is given to me, including but not limited to, ensuring personal information is not visible to other clients and disposing of all information in the appropriate manner (usually by shredding the information). This confidential information includes, but is not limited to, birth dates, social security numbers, and driver’s license numbers.

I will make sure that client information is not visible on my computer screen while I am away from my desk. When not being worked on, all client mail, notes and correspondence will be out of sight from other clients in the office. At night, all client information will be put away from sight.

When clients are present in the office or on the phone, I will not discuss another client’s information in group conversation in the office with fellow employees. This includes, but is not limited to, names of clients, clients’ situations with billing or claims, and general grievances about the clients.

I understand that any violation of these terms is grounds for immediate reprimand and/or termination.

____________________________________ ________________
Employee Signature and Date

____________________________________ ________________
Agent Signature and Date

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.