Property & Casualty Insurance/Expert Profile

Average Ratings

• Knowledgeability 10.0
• Clarity of Response 10.0
• Timeliness 10.0
• Politeness 10.0

• Number of Questions (in Past 24 Hours) 0
• Max Questions to be Asked (in 24 Hour Period) 5
• Total Questions (since joining AllExperts) 53
• Volunteer Since 2007-11-03
• Prestige Points 650

Recent Reviews from Users

Read More Comments

    K = Knowledgeability    C = Clarity of Response    T = Timeliness    P = Politeness

User	Date	K	C	T	P	Comments
Manuel Garcia	10/05/09	10	10	10	10
Meghan	08/16/09	10	10	10	10	Thank you Mr McFarland; I greatly appreciate .....
Don	05/04/09	10	10	10	10	Thank you very much - your answer .....
Regina	03/29/09	10	10	10	10
kyle	02/03/09	10	10	10	10	Thank you.

Recent Answers from Hal McFarland, CIC, ARM

2009-11-02 Clients Files:

Tatyana, The length of time an insurance broker is required to maintain and keep client files depends on the state within which he is licensed and operating. Each state has its own set of laws governing

2009-10-14 Insurance should pay for full coverage and I should pay only deductable:

Mary, It would appear that the claim adjuster has determined that there was existing damage to your vehicle before this latest accident. Unless you can prove that the damage to your vehicle is fresh

2009-10-05 Non Renewal of Residential Ins Policy.:

Mr. Garcia, It has been 20 years since Allstate made the decision to non-renew your policy. I must say that it seems a bit curious that you would be concerned about it after all these years. Having

2009-09-10 Garage Liability vs. General Liability:

Erica, One carrier's garage program will need to be compared and contrasted with another carrier's program. This discussion would be somewhat simpler if all carriers used the same ISO forms and/or

2009-08-19 Street worker:

Goldie, That pretty much depends on the state within which you are located (workers' compensation law) and the coverage and/or exclusion wording in your homeowner's policy. You may want to consult