The Jaguars will not have quarterback David Garrard in Sunday's important season finale against the Texans. Garrard will have surgery on the middle finger of his right hand Thursday. Trent Edwards is expected to start in his place. Jacksonville needs to beat Houston and have Tennessee upset Indianapolis to win the AFC South. Garrard likely would miss a first-round playoff game if the Jaguars (8-7) make the postseason.