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Edwards Graham Insurance Del Rio Texas
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Privacy Statement

At Edwards-Graham Insurance Agency, we value you as a customer and share your concerns about privacy. We hope that this notice, which describes our use and protection of private personal information, will help you understand how we treat the information that we obtain from you or other sources in the course of providing you with insurance coverage.

Most of the customer information we have about you comes directly from you. This information is used only to complete insurance applications and requests for insurance.

The types of information that we may ask of you include information such as your name, address, date of birth, social security number, driver’s license number and previous insurance coverage and policies.

We may receive information about you from our affiliates and service providers. This includes previous loss history, motor vehicle driving records, credit summaries and medical information.

We want you to know that Edwards-Graham Insurance Agency respects your privacy and protects your information.

We do not sell customer information.

We do not share customer information with persons, companies, or organizations outside of Edwards-Graham Insurance Agency or our affiliated insurance companies that would use that information to contact you about their own products or services.

We expect persons or organizations that provide services on our behalf to keep customer information confidential and use it only to provide the services we’ve asked them to perform.

We may also use customer information to communicate with you about products, features and options in which you have expressed an interest or that we believe may be of interest to you. To transact business on your behalf, we may find it necessary to provide customer information without authorization, but only as permitted or required by law, to persons or organizations both inside and outside of Edwards-Graham Insurance Agency.

Within our agency, each employee recognizes the importance of protecting your information. We’ve established physical, electronic and procedural safeguards to protect customer information. See the Confidentiality Statement signed by each employee.

Should your relationship with Edwards-Graham Insurance Agency end, your customer information will remain protected in accordance with our privacy practices as outlined above.

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.