John Kelly is a Phoenix car accident attorney who will fight for every dollar you are owed. For more information on car accidents in Phoenix, visit In this Google Hangout John answers legal questions related to car accidents and opens up for you to post your own questions. If you have a car accident question, simply post it in the comments section below and John will get back to you with a response as soon as possible.

Question 1: How long do I have to file a claim on my insurance for a car accident? 0:55

Answer: Every state has its own limitation laws. These are the laws that determine that within how much time you can bring an accident claim or an injury claim. You have to consult an attorney in your own state for all the necessary information. Here in Arizona, you have two years from the date of accident to bring an auto accident claim.

Question 2: Can I negotiate a accident settlement without hiring an attorney? 2:08

Answer: Yes, absolutely. The truth is that the insurance companies try to settle and negotiate with the people involved in the accident as soon as possible before they hire an attorney. Just like I said before, it is best to consult an attorney so that he can guide you about what avenues you should be looking at so that you don’t miss out on any avenue of compensation.

Question 3: I caused a wreck and was injured. I’ve missed a lot of work. Is my insurance supposed to cover my time off work? 3:48

Answer: Generally, an individual’s own insurance policy doesn’t cover the expenses if the individual himself was the reason behind the accident. There’s a thing called ‘liability coverage’ in your insurance policy that covers the expenses of people whom you have caused some kind of injury or damage so that they don’t come after you personally. Another part of it is that it covers you if someone injures you but they don’t have enough insurance to cover your injuries. Also, there is a thing called ‘no fault insurance’ that people should try to get into their policy. That way it will also cover the expenses even if the accident happened because of their own fault.

Question 4: My insurance company has offered me a settlement for a car accident. I’m happy with the amount offered but my friends tell me I need an attorney. If I’m satisfied with my settlement why should I hire an attorney if I have to pay a contingency fee? 5:06

Answer: The truth is that you don’t have to hire an attorney if you are satisfied with the amount the insurance company is offering you. However, it doesn’t really hurt to consult an attorney. Most of the personal injury attorneys will give you a free consultation service. They may be able to give you a fair opinion about whether the insurance company is paying you a fair amount or not. They may be able to tell you about other avenues for compensation you might have missed out.

Kelly Law Team
1 E Washington St.
Suite 500
Phoenix, AZ 85004

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