{"id":26236,"date":"2026-06-13T18:47:56","date_gmt":"2026-06-13T22:47:56","guid":{"rendered":"https:\/\/songlawfirm.com\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/"},"modified":"2026-06-13T21:01:06","modified_gmt":"2026-06-14T01:01:06","slug":"insurance-defense-litigation","status":"publish","type":"page","link":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/","title":{"rendered":"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1"},"content":{"rendered":"\n<style> .slf-fl{font-family:\"Helvetica Neue\",Helvetica,Arial,\"Noto Sans KR\",sans-serif;color:#404040;line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;}.slf-fl *{box-sizing:border-box;}.slf-fl .slf-wrap{max-width:1200px;margin:0 auto;padding:0 20px;}.slf-fl h2.slf-h2{font-size:36px;font-weight:700;text-align:center;color:#404040;margin:0 0 12px;line-height:1.25;}.slf-fl h3.slf-h3{font-size:22px;font-weight:700;color:#404040;margin:0 0 12px;}.slf-fl .slf-lead{font-size:18px;color:#595959;text-align:center;max-width:820px;margin:0 auto 48px;line-height:1.7;}.slf-fl .slf-section{padding:90px 0;position:relative;}.slf-fl .slf-section--alt{background-image:linear-gradient(rgba(255,255,255,.93),rgba(255,255,255,.93)),url('https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/05\/r3wawu5fi5q.jpg');background-size:cover;background-position:center;background-repeat:no-repeat;background-attachment:fixed;}.slf-fl .slf-section--dark{color:#fff;background-image:linear-gradient(rgba(45,45,45,.88),rgba(45,45,45,.88)),url('https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/05\/r3wawu5fi5q.jpg');background-size:cover;background-position:center;background-repeat:no-repeat;background-attachment:fixed;}.slf-fl .slf-section--dark h2.slf-h2{color:#fff;}.slf-fl .slf-section--dark .slf-lead{color:#E5D398;}.slf-fl .slf-section-eyebrow{font-size:12px;font-weight:700;color:#98344A;letter-spacing:3px;text-transform:uppercase;text-align:center;margin:0 0 14px;}.slf-fl .slf-section--dark .slf-section-eyebrow{color:#E5D398;}.slf-fl .slf-hero{position:relative;padding:130px 0 110px;text-align:center;color:#fff;background-image:linear-gradient(rgba(45,45,45,.78),rgba(45,45,45,.78)),url('https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/05\/r3wawu5fi5q.jpg');background-size:cover;background-position:center;background-repeat:no-repeat;}.slf-fl .slf-hero .slf-eyebrow{font-size:13px;font-weight:600;color:#E5D398;letter-spacing:4px;text-transform:uppercase;margin:0 0 24px;}.slf-fl .slf-hero h1{font-size:56px;font-weight:800;color:#fff;margin:0 0 22px;line-height:1.1;letter-spacing:-1.2px;}.slf-fl .slf-hero .slf-hero-tag{font-size:18px;color:#d8d4c8;max-width:820px;margin:0 auto 36px;line-height:1.7;}.slf-fl .slf-hero .slf-hero-stats{display:flex;gap:50px;justify-content:center;flex-wrap:wrap;margin-top:44px;}.slf-fl .slf-hero .slf-hero-stat strong{display:block;font-size:28px;font-weight:800;color:#E5D398;letter-spacing:-.5px;margin-bottom:4px;}.slf-fl .slf-hero .slf-hero-stat span{font-size:12px;letter-spacing:2px;color:rgba(255,255,255,.75);text-transform:uppercase;}.slf-fl .slf-hero .slf-hero-cta{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:44px;}.slf-fl .slf-hero .slf-hero-cta a{display:inline-block;padding:14px 32px;font-size:13px;font-weight:700;text-decoration:none;border-radius:2px;letter-spacing:1.5px;text-transform:uppercase;transition:all .2s;}.slf-fl .slf-hero .slf-hero-cta .slf-cta-primary{background:#98344A;color:#fff;}.slf-fl .slf-hero .slf-hero-cta .slf-cta-primary:hover{background:#7a2a3a;transform:translateY(-2px);}.slf-fl .slf-hero .slf-hero-cta .slf-cta-secondary{background:transparent;color:#fff;border:1px solid #E5D398;}.slf-fl .slf-hero .slf-hero-cta .slf-cta-secondary:hover{background:#E5D398;color:#404040;}.slf-fl .slf-svg-icon{width:40px;height:40px;stroke:#98344A;stroke-width:1.5;fill:none;stroke-linecap:round;stroke-linejoin:round;margin-bottom:14px;display:block;}.slf-fl .slf-attorneys{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;max-width:1180px;margin:0 auto;}.slf-fl .slf-attorney{background:#fff;border:1px solid #ede9dd;padding:28px 22px;border-radius:4px;transition:transform .2s,box-shadow .2s;}.slf-fl .slf-attorney:hover{transform:translateY(-4px);box-shadow:0 10px 30px rgba(64,64,64,.12);}.slf-fl .slf-attorney-head{display:flex;flex-direction:column;align-items:center;gap:12px;margin-bottom:18px;text-align:center;}.slf-fl .slf-attorney-photo{width:84px;height:84px;border-radius:50%;object-fit:cover;flex-shrink:0;border:2px solid #ede9dd;}.slf-fl .slf-attorney-photo[src*=\"RoyMossi\"],.slf-fl .slf-attorney-photo[src*=\"howard\"]{object-position:center 20%;}.slf-fl .slf-attorney-meta{width:100%;text-align:center;}.slf-fl .slf-attorney-meta .slf-name{font-size:16px;font-weight:700;color:#404040;margin:0 0 2px;line-height:1.3;}.slf-fl .slf-attorney-meta .slf-title{font-size:12px;color:#98344A;text-transform:uppercase;letter-spacing:1px;margin:0;font-weight:600;}.slf-fl .slf-attorney .slf-body{font-size:14px;color:#595959;margin:0 0 14px;line-height:1.7;}.slf-fl .slf-attorney .slf-link{font-size:12px;color:#404040;font-weight:600;text-decoration:none;border-bottom:1px solid #98344A;padding-bottom:2px;letter-spacing:.5px;text-transform:uppercase;}.slf-fl .slf-attorney .slf-link:hover{color:#98344A;}.slf-fl .slf-cases{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}.slf-fl .slf-case{background:#fff;padding:32px 26px;border-top:4px solid #98344A;border-radius:4px;box-shadow:0 2px 10px rgba(0,0,0,.05);}.slf-fl .slf-case p{font-size:14.5px;color:#595959;margin:0;line-height:1.7;}.slf-fl .slf-when-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;max-width:1100px;margin:0 auto;}.slf-fl .slf-when-item{text-align:center;padding:24px 18px;}.slf-fl .slf-when-item .slf-when-num{display:inline-flex;align-items:center;justify-content:center;width:56px;height:56px;background:#fff;color:#404040;font-size:22px;font-weight:700;border-radius:50%;margin:0 auto 18px;}.slf-fl .slf-when-item h3{font-size:17px;font-weight:700;margin:0 0 10px;color:#fff;}.slf-fl .slf-when-item p{font-size:14px;margin:0;color:rgba(255,255,255,.92);line-height:1.65;}.slf-fl .slf-faq{max-width:880px;margin:0 auto;}.slf-fl .slf-q{background:#fff;border:1px solid #ede9dd;margin-bottom:12px;border-radius:4px;overflow:hidden;}.slf-fl .slf-q[open]{box-shadow:0 4px 16px rgba(64,64,64,.08);}.slf-fl .slf-q summary{padding:20px 56px 20px 24px;cursor:pointer;font-weight:600;font-size:17px;color:#404040;position:relative;list-style:none;}.slf-fl .slf-q summary::-webkit-details-marker{display:none;}.slf-fl .slf-q summary::after{content:\"+\";position:absolute;right:24px;top:50%;transform:translateY(-50%);font-size:26px;color:#98344A;line-height:1;}.slf-fl .slf-q[open] summary::after{content:\"\u2212\";}.slf-fl .slf-q .slf-a{padding:0 24px 22px;font-size:15px;color:#595959;line-height:1.75;}.slf-fl .slf-q .slf-a strong{color:#404040;}.slf-fl .slf-areas-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;max-width:1080px;margin:0 auto;}.slf-fl .slf-area-block h3{font-size:19px;color:#404040;margin:0 0 14px;border-bottom:2px solid #98344A;padding-bottom:8px;display:inline-block;}.slf-fl .slf-area-block p{font-size:15px;line-height:1.8;margin:0 0 14px;color:#595959;}.slf-fl .slf-area-block strong{color:#404040;}.slf-fl .slf-recent-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}.slf-fl .slf-recent-card{background:#fff;border-radius:4px;overflow:hidden;box-shadow:0 2px 12px rgba(64,64,64,.06);transition:transform .25s,box-shadow .25s;text-decoration:none;color:inherit;display:block;}.slf-fl .slf-recent-card:hover{transform:translateY(-4px);box-shadow:0 10px 24px rgba(64,64,64,.14);}.slf-fl .slf-recent-card-thumb{aspect-ratio:16\/10;background:#f0eee5;background-size:cover;background-position:center;background-repeat:no-repeat;}.slf-fl .slf-recent-card-body{padding:18px 20px 22px;}.slf-fl .slf-recent-card-date{font-size:11px;font-weight:700;color:#98344A;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:8px;}.slf-fl .slf-recent-card-title{font-size:15px;font-weight:700;line-height:1.45;color:#404040;margin:0;}.slf-fl .slf-recent-card:hover .slf-recent-card-title{color:#98344A;}.slf-fl .slf-recent-empty{text-align:center;grid-column:1 \/ -1;color:#888;padding:20px 0;}.slf-fl .slf-skel-card{background:linear-gradient(90deg,#f0eee5 0%,#fafaf3 50%,#f0eee5 100%);background-size:200% 100%;animation:slf-fl-shimmer 1.6s infinite;min-height:250px;border-radius:4px;}@keyframes slf-fl-shimmer{0%{background-position:100% 0;}100%{background-position:-100% 0;}}.slf-fl .slf-final-cta{text-align:center;}.slf-fl .slf-final-cta .slf-contact-grid{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:24px;max-width:1000px;margin:36px auto 32px;}.slf-fl .slf-final-cta .slf-contact-item{color:#fff;}.slf-fl .slf-final-cta .slf-contact-item .slf-icon{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;margin:0 auto 14px;}.slf-fl .slf-final-cta .slf-contact-item .slf-icon svg{width:28px;height:28px;stroke:#E5D398;stroke-width:1.5;fill:none;stroke-linecap:round;stroke-linejoin:round;}.slf-fl .slf-final-cta .slf-contact-item .slf-label{font-size:13px;opacity:.8;text-transform:uppercase;letter-spacing:1.5px;margin-bottom:6px;}.slf-fl .slf-final-cta .slf-contact-item .slf-value{font-size:15.5px;font-weight:600;}.slf-fl .slf-final-cta .slf-contact-item a{color:#fff;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.3);}.slf-fl .slf-btn-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:28px;}.slf-fl .slf-btn{display:inline-flex;align-items:center;padding:16px 32px;font-size:15px;font-weight:700;text-decoration:none;border-radius:4px;transition:all .2s;}.slf-fl .slf-btn .slf-btn-icon{width:16px;height:16px;stroke:currentColor;stroke-width:1.8;fill:none;stroke-linecap:round;stroke-linejoin:round;margin-right:8px;}.slf-fl .slf-btn--primary{background:#98344A;color:#fff;}.slf-fl .slf-btn--primary:hover{background:#7a2a3a;}.slf-fl .slf-btn--outline{background:transparent;color:#fff;border:2px solid #fff;}.slf-fl .slf-btn--outline:hover{background:#fff;color:#404040;}@media (max-width:980px){.slf-fl h2.slf-h2{font-size:28px;}.slf-fl .slf-hero h1{font-size:40px;}.slf-fl .slf-section{padding:60px 0;}.slf-fl .slf-cases,.slf-fl .slf-recent-grid{grid-template-columns:repeat(2,1fr);}.slf-fl .slf-when-grid{grid-template-columns:repeat(2,1fr);}.slf-fl .slf-areas-grid{grid-template-columns:1fr;}.slf-fl .slf-final-cta .slf-contact-grid{grid-template-columns:repeat(2,1fr);}}@media (max-width:600px){.slf-fl h2.slf-h2{font-size:24px;}.slf-fl .slf-hero h1{font-size:30px;}.slf-fl .slf-cases,.slf-fl .slf-recent-grid,.slf-fl .slf-when-grid{grid-template-columns:1fr;}.slf-fl .slf-final-cta .slf-contact-grid{grid-template-columns:1fr;}.slf-fl .slf-btn{width:100%;max-width:320px;justify-content:center;}}.slf-hero-langs{display:inline-block;padding:10px 26px;margin:0 auto 26px;border:1px solid rgba(229,211,152,.45);border-radius:40px;background:rgba(229,211,152,.06);font-size:15px;color:#E5D398;letter-spacing:.5px;font-weight:500;word-break:keep-all;}.slf-hero-langs strong{font-weight:700;color:#fff;}\n.slf-fl .slf-h1{font-size:46px;font-weight:700;text-align:center;color:#fff;margin:0 0 22px;line-height:1.2;word-break:keep-all;}\n.slf-fl .slf-hero{padding:100px 0 70px;background-image:linear-gradient(rgba(45,45,45,.92),rgba(45,45,45,.92)),url('https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/05\/r3wawu5fi5q.jpg');background-size:cover;background-position:center;color:#fff;text-align:center;}\n.slf-fl .slf-hero p.slf-hero-eyebrow{color:#E5D398;}\n.slf-fl .slf-hero h1.slf-h1{color:#fff;}\n.slf-fl .slf-hero .slf-lead{color:#E5D398;margin:0 auto 28px;max-width:820px;}\n.slf-fl .slf-cta-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:24px;}\n.slf-fl .slf-scope-grid,.slf-fl .slf-window-grid,.slf-fl .slf-results-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;max-width:1100px;margin:40px auto 0;}\n.slf-fl .slf-scope-item,.slf-fl .slf-window-item,.slf-fl .slf-result-card{background:#fff;border:1px solid #e8e2c5;border-radius:8px;padding:26px 28px;box-shadow:0 2px 6px rgba(0,0,0,.04);}\n.slf-fl .slf-scope-item h3,.slf-fl .slf-window-item h3{font-size:18px;font-weight:700;color:#98344A;margin:0 0 10px;}\n.slf-fl .slf-result-headline{font-size:18px;font-weight:700;color:#98344A;margin:0 0 10px;}\n.slf-fl .slf-result-card p,.slf-fl .slf-scope-item p,.slf-fl .slf-window-item p{font-size:15px;color:#595959;line-height:1.7;margin:0;}\n.slf-fl .slf-faq{max-width:920px;margin:0 auto;}\n.slf-fl .slf-q{background:#fff;border:1px solid #e8e2c5;border-radius:6px;margin-bottom:12px;padding:16px 20px;}\n.slf-fl .slf-q summary{font-weight:600;cursor:pointer;color:#404040;list-style:none;}\n.slf-fl .slf-q summary::-webkit-details-marker{display:none;}\n.slf-fl .slf-q summary::before{content:'+';display:inline-block;width:20px;color:#98344A;font-weight:700;}\n.slf-fl .slf-q[open] summary::before{content:'\\2212';}\n.slf-fl .slf-a{padding:14px 0 4px 20px;color:#595959;line-height:1.75;font-size:15px;}\n.slf-fl .slf-section--dark{color:#fff;background:#2d2d2d;background-image:linear-gradient(rgba(45,45,45,.92),rgba(45,45,45,.92)),url('https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/05\/r3wawu5fi5q.jpg');background-size:cover;background-position:center;text-align:center;}\n.slf-fl .slf-section--dark h2.slf-h2{color:#fff;}\n.slf-fl .slf-section--dark .slf-lead{color:#E5D398;}\n@media (max-width:780px){\n.slf-fl .slf-h1{font-size:32px;}\n.slf-fl .slf-scope-grid,.slf-fl .slf-window-grid,.slf-fl .slf-results-grid{grid-template-columns:1fr;}\n}\n\n.slf-fl .slf-hero .slf-lead{color:#d8d4c8 !important;font-size:17px;max-width:820px;margin:0 auto 32px;line-height:1.75;text-align:center;}\n.slf-fl .slf-hero p.slf-hero-eyebrow{font-size:13px;font-weight:600;color:#E5D398 !important;letter-spacing:4px;text-transform:uppercase;margin:0 0 24px;text-align:center;}\n.slf-fl .slf-hero h1{font-size:48px;font-weight:800;color:#fff;margin:0 0 22px;line-height:1.1;letter-spacing:-1px;text-align:center;}\n.slf-fl .slf-hero .slf-hero-cta{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:24px;}\n.slf-fl .slf-hero .slf-hero-cta a{display:inline-block;padding:14px 32px;font-size:13px;font-weight:700;text-decoration:none;border-radius:2px;letter-spacing:1.5px;text-transform:uppercase;}\n.slf-fl .slf-hero .slf-hero-cta .slf-btn--primary{background:#98344A;color:#fff;}\n.slf-fl .slf-hero .slf-hero-cta .slf-btn--primary:hover{background:#7a2a3a;}\n.slf-fl .slf-hero .slf-hero-cta .slf-btn--outline{background:transparent;color:#fff;border:1px solid #E5D398;}\n.slf-fl .slf-hero .slf-hero-cta .slf-btn--outline:hover{background:#E5D398;color:#404040;}\n@media (max-width:780px){\n.slf-fl .slf-hero h1{font-size:30px;}\n.slf-fl .slf-hero .slf-lead{font-size:15px;}\n}\n\n.slf-fl .slf-attorneys--solo{display:grid;grid-template-columns:minmax(320px,560px);gap:18px;max-width:560px;margin:0 auto;justify-content:center;}\n.slf-fl .slf-attorneys--duo{display:grid;grid-template-columns:repeat(2,minmax(300px,460px));gap:24px;max-width:960px;margin:0 auto;justify-content:center;}\n.slf-fl .slf-attorneys--trio{display:grid;grid-template-columns:repeat(3,minmax(280px,1fr));gap:20px;max-width:1100px;margin:0 auto;justify-content:center;}\n.slf-fl .slf-attorneys--quad{display:grid;grid-template-columns:repeat(4,minmax(260px,1fr));gap:18px;max-width:1180px;margin:0 auto;}\n.slf-fl .slf-attorneys--solo .slf-attorney,.slf-fl .slf-attorneys--duo .slf-attorney{padding:36px 32px;}\n@media (max-width:780px){\n.slf-fl .slf-attorneys--solo,.slf-fl .slf-attorneys--duo,.slf-fl .slf-attorneys--trio,.slf-fl .slf-attorneys--quad{grid-template-columns:1fr;max-width:520px;}\n}\n<\/style>\n<div class=\"slf-fl\">\n<section class=\"slf-hero\"><div class=\"slf-wrap\"><p class=\"slf-hero-eyebrow\">\uc5c5\ubb34\ubd84\uc57c<\/p><h1>\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1<\/h1><p class=\"slf-hero-langs\"><strong>\ud55c\uad6d\uc5b4<\/strong>, <strong>\u4e2d\u6587<\/strong>, English \uc9c1\uc811 \ubcc0\ud638\uc0ac \uc0c1\ub2f4 &mdash; \ud1b5\uc5ed \uc5c6\uc774.<\/p><p class=\"slf-lead\">NJ\u00b7NY \ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4 \ubcc0\ud638 \u2014 \uc2e0\uccb4 \uc0c1\ud574, \ubd80\ub3d9\uc0b0 \ucc45\uc784, \uc81c\uc870\ubb3c, \uc804\ubb38\uc9c1 \ucc45\uc784, \ubcf4\uc7a5, \uc545\uc758(bad faith) \uc0ac\uc548.<\/p><div class=\"slf-hero-cta\"><a aria-label=\"Call  12014610031\" href=\"tel:+12014610031\" class=\"slf-btn slf-btn--primary\">\uc804\ud654 (201) 461-0031<\/a><a href=\"https:\/\/songlawfirm.com\/ko\/consutation\/\" class=\"slf-btn slf-btn--outline\">\ubb34\ub8cc \uc0c1\ub2f4 \uc2e0\uccad<\/a><\/div><div class=\"slf-hero-stats\"><div class=\"slf-hero-stat\"><strong>2<\/strong><span>\uc2dc\ub2c8\uc5b4 \ubcc0\ud638\uc0ac<\/span><\/div><div class=\"slf-hero-stat\"><strong>30\ub144+<\/strong><span>\ud2b8\ub77c\uc774\uc5bc \uacbd\ub825<\/span><\/div><div class=\"slf-hero-stat\"><strong>NJ \u00b7 NY<\/strong><span>Law Division<\/span><\/div><\/div><\/div><\/section>\n\n<section class=\"slf-section\"><div class=\"slf-wrap\"><p class=\"slf-section-eyebrow\">01 \u00b7 \uc804\ub2f4 \ubcc0\ud638\uc0ac<\/p><h2 class=\"slf-h2\">\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\ud300<\/h2><p class=\"slf-lead\">\ubcf4\ud5d8\uc0ac\uc640 \uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4\ub294 \uc2e0\uc18d\ud55c \ub178\ucd9c \ud3c9\uac00\uc640 \ud544\uc694 \uc2dc \ud2b8\ub77c\uc774\uc5bc\uc774 \uac00\ub2a5\ud55c \ubcc0\ud638\uc0ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc758 \ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1 \uc5c5\ubb34\ub294 \uc804 NJ \ubd80\uac80\ucc30\ucd1d\uc7a5\uacfc 30\ub144 \uc774\uc0c1 \ud2b8\ub77c\uc774\uc5bc \ubca0\ud14c\ub791\uc774 \uc8fc\ub3c4\ud558\uba70, NJ\u00b7NY Law Division \ud48d\ubd80\ud55c \uacbd\ud5d8\uc744 \ubcf4\uc720\ud569\ub2c8\ub2e4.<\/p><div class=\"slf-attorneys slf-attorneys--duo\"><article class=\"slf-attorney\"><div class=\"slf-attorney-head\"><img decoding=\"async\" class=\"slf-attorney-photo\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard-150x150.webp\" alt=\"\ud558\uc6cc\ub4dc\ub9c8\uc774\uc5b4\ub85c\uc704\uce20\" loading=\"lazy\" \/><div class=\"slf-attorney-meta\"><h3 class=\"slf-name\">\ud558\uc6cc\ub4dc\ub9c8\uc774\uc5b4\ub85c\uc704\uce20 (Howard Z. Myerowitz, Esq.)<\/h3><p class=\"slf-title\">\uc2dc\ub2c8\uc5b4 \uc5b4\uc18c\uc2dc\uc5d0\uc774\ud2b8 \ubcc0\ud638\uc0ac<\/p><\/div><\/div><p class=\"slf-body\">\uc804 NJ \ubd80\uac80\ucc30\ucd1d\uc7a5. Fordham J.D. NJ Law Division\u00b7\uc0c1\uae09\ubc95\uc6d0\uc5d0\uc11c \ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4 \ubcc0\ud638 \u2014 \uc2e0\uccb4 \uc0c1\ud574, \ubd80\ub3d9\uc0b0 \ucc45\uc784, \uc790\ub3d9\ucc28, \uc804\ubb38\uc9c1 \ucc45\uc784 \uccad\uad6c.<\/p><a class=\"slf-link\" href=\"https:\/\/songlawfirm.com\/our-lawyers\/howard-z-myerowitz-esq\/\">\ubcc0\ud638\uc0ac \uc57d\ub825 \u2192<\/a><\/article><article class=\"slf-attorney\"><div class=\"slf-attorney-head\"><img decoding=\"async\" class=\"slf-attorney-photo\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2017\/01\/attorneys_RoyMossi-150x150.webp\" alt=\"\ub85c\uc774\ubaa8\uc2dc\" loading=\"lazy\" \/><div class=\"slf-attorney-meta\"><h3 class=\"slf-name\">\ub85c\uc774\ubaa8\uc2dc (Roy H. Mossi, Esq.)<\/h3><p class=\"slf-title\">\uc2dc\ub2c8\uc5b4 \uc5b4\uc18c\uc2dc\uc5d0\uc774\ud2b8 \ubcc0\ud638\uc0ac<\/p><\/div><\/div><p class=\"slf-body\">30\ub144 \uc774\uc0c1 \ud2b8\ub77c\uc774\uc5bc \uacbd\ub825. NJ\u00b7NY\u00b7FL \ubcc0\ud638\uc0ac. University of Miami J.D. \ubcf5\uc7a1\ud55c \ubcf4\ud5d8\u00b7\ubd88\ubc95\ud589\uc704 \uc0ac\uac74 \ubcc0\ud638 \u2014 \uc790\ub3d9\ucc28 \ucc45\uc784, \uc81c\uc870\ubb3c \ucc45\uc784, \ubd80\ub3d9\uc0b0, \ubb34\ubcf4\ud5d8\u00b7\uc800\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uc0ac\uc548.<\/p><a class=\"slf-link\" href=\"https:\/\/songlawfirm.com\/our-lawyers\/roy-h-mossi-esq\/\">\ubcc0\ud638\uc0ac \uc57d\ub825 \u2192<\/a><\/article><\/div><\/div><\/section>\n<section class=\"slf-section slf-section--alt\"><div class=\"slf-wrap\"><p class=\"slf-section-eyebrow\">02 \u00b7 \uc5c5\ubb34 \ubc94\uc704<\/p><h2 class=\"slf-h2\">\ubcc0\ud638 \uc601\uc5ed<\/h2><p class=\"slf-lead\">\ubcf4\ud5d8\uc0ac \uc9c0\uc815\u00b7\uc9c1\uc811 \uc218\uc784 \ubcc0\ud638 \u2014 \uc2e0\uccb4 \uc0c1\ud574, \ubd80\ub3d9\uc0b0, \ubcf4\uc7a5 \uc0ac\uc548.<\/p><div class=\"slf-scope-grid\"><div class=\"slf-scope-item\"><h3>\uc790\ub3d9\ucc28 \ucc45\uc784 \ubcc0\ud638<\/h3><p>NJ no-fault\u00b7NY no-fault \uccb4\uacc4\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc2e0\uccb4 \uc0c1\ud574\u00b7\uc7ac\uc0b0 \ud53c\ud574 \uccad\uad6c \ubcc0\ud638. \ube44\uad50 \uacfc\uc2e4, threshold \ub3c4\uc804, \ud2b8\ub77c\uc774\uc5bc \uc639\ud638.<\/p><\/div><div class=\"slf-scope-item\"><h3>\ubd80\ub3d9\uc0b0 \ucc45\uc784<\/h3><p>\ubbf8\ub044\ub7fc\u00b7\ub118\uc5b4\uc9d0\u00b7\ub208\u00b7\uc5bc\uc74c\u00b7\ubd80\uc801\uc808\ud55c \ubcf4\uc548 \uccad\uad6c \ubcc0\ud638 \u2014 \uc0c1\uc5c5 \ubd80\ub3d9\uc0b0 \uc18c\uc720\uc790, \uc784\ub300\uc778, \uc18c\ub9e4 \uc784\ucc28\uc778 \ub300\ub9ac(NJ\u00b7NY \ubd80\ub3d9\uc0b0 \ucc45\uc784 \uae30\uc900).<\/p><\/div><div class=\"slf-scope-item\"><h3>UM\/UIM \ubcc0\ud638<\/h3><p>\ubb34\ubcf4\ud5d8\u00b7\uc800\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uc911\uc7ac\u00b7\uc18c\uc1a1. \uc2a4\ud0dc\ud0b9 \ubd84\uc11d, \ubcf4\uc7a5 \uc6b0\uc120\uc21c\uc704, NJ AAA\u00b7NY \uc808\ucc28 \uc911\uc7ac \uc639\ud638.<\/p><\/div><div class=\"slf-scope-item\"><h3>\uc81c\uc870\ubb3c \ucc45\uc784<\/h3><p>\uc81c\uc870\uc0ac\u00b7\uc720\ud1b5\uc0ac\u00b7\uc18c\ub9e4\uc0c1 \ubcc0\ud638 \u2014 \uc124\uacc4\u00b7\uc81c\uc870 \uacb0\ud568, \uacbd\uace0 \ubbf8\ube44 \uccad\uad6c. \uc804\ubb38\uac00 \ud65c\uc6a9\u00b7Daubert \ub3c4\uc804.<\/p><\/div><div class=\"slf-scope-item\"><h3>\uc804\ubb38\uc9c1 \ucc45\uc784<\/h3><p>\ubcc0\ud638\uc0ac\u00b7\ud68c\uacc4\uc0ac\u00b7\uc911\uac1c\uc778\u00b7\uae30\ud0c0 \uc804\ubb38\uc9c1 \uacfc\uc2e4\u00b7E&amp;O \uccad\uad6c \ubcc0\ud638. \uc9c4\ub8cc \ud45c\uc900 \ubc29\uc5b4, \uc2dc\ud6a8, \uc190\ud574 \uc778\uacfc\uad00\uacc4.<\/p><\/div><div class=\"slf-scope-item\"><h3>\uac74\ucd95 \ud558\uc790<\/h3><p>NJ\u00b7NY \uac74\ucd95 \ud558\uc790 \uc18c\uc1a1\uc5d0\uc11c \ub3c4\uae09\uc5c5\uccb4\u00b7\ud558\ub3c4\uae09\u00b7\uc124\uacc4 \uc804\ubb38\uc9c1 \ubcc0\ud638. \ucd94\uac00 \ud53c\ubcf4\ud5d8\uc790 \uccad\uad6c \uc591\ub3c4\u00b7\uba74\ucc45.<\/p><\/div><div class=\"slf-scope-item\"><h3>\ubcf4\uc7a5 \uc758\uacac<\/h3><p>NJ\u00b7NY \uc0c1\uc5c5 \uc77c\ubc18 \ucc45\uc784\u00b7\uc790\ub3d9\ucc28\u00b7\uc8fc\ud0dd\u00b7umbrella \uc815\ucc45 \ubcf4\uc7a5 \ubd84\uc11d. \uad8c\ub9ac \uc720\ubcf4, \uc120\uc5b8\uc801 \ud310\uacb0, \uc545\uc758(bad faith) \ubc29\uc5b4.<\/p><\/div><div class=\"slf-scope-item\"><h3>\ub300\uc704\ubcc0\uc81c \ubc29\uc5b4<\/h3><p>\ubcf4\ud5d8\uc0ac \uc190\uc2e4 \ud68c\uc218 \uc2dc\ub3c4 \ub300\uc704\ubcc0\uc81c \uccad\uad6c \ubcc0\ud638. Anti-subrogation \uc6d0\uce59, \uacc4\uc57d\uc0c1 \ud3ec\uae30, made-whole \uc6d0\uce59.<\/p><\/div><\/div><\/div><\/section>\n<section class=\"slf-section\"><div class=\"slf-wrap\"><p class=\"slf-section-eyebrow\">03 \u00b7 \uacb0\uc815\uc801 \uc2dc\uc810<\/p><h2 class=\"slf-h2\">\uc870\uae30 \ubcc0\ud638 \uacb0\uc815\uc774 \uacb0\uacfc\ub97c \uc88c\uc6b0<\/h2><p class=\"slf-lead\">\ubcf4\ud5d8 \ubcc0\ud638 \uacb0\uacfc\ub294 \ud2b8\ub77c\uc774\uc5bc\ubcf4\ub2e4 \uccab 90\uc77c\uc5d0 \uacb0\uc815\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p><div class=\"slf-window-grid\"><div class=\"slf-window-item\"><h3>30\uc77c \ubcf4\uc7a5 \uac80\ud1a0<\/h3><p>\uc9c0\uc815 \ud6c4 <strong>\uccab 30\uc77c<\/strong>\uc774 \uada4\ub3c4\ub97c \uacb0\uc815 \u2014 \ubcf4\uc7a5 \ubd84\uc11d, \uad8c\ub9ac \uc720\ubcf4, \ucd94\uac00 \ud53c\ubcf4\ud5d8\uc790 \uccad\uad6c \uc591\ub3c4, \uc801\ub9bd\uae08 \uc704\ud55c \uc870\uae30 \uc0ac\uac74 \ud3c9\uac00.<\/p><\/div><div class=\"slf-window-item\"><h3>\uc18c\uc1a1 \uc804 \uc870\uc0ac<\/h3><p>\ub3c5\ub9bd \uc758\ub8cc \uac80\uc0ac, \ud604\uc7a5 \uc0ac\uc9c4, \uc99d\uc778 \uc9c4\uc220, \uc601\uc0c1 \ubcf4\uc874 \u2014 \uc6d0\uace0 narrative\uac00 \uad73\uc5b4\uc9c0\uae30 \uc804 <strong>\uc18c\uc1a1 \uc804<\/strong>\uc774 \uac00\uc7a5 \ud6a8\uacfc\uc801.<\/p><\/div><div class=\"slf-window-item\"><h3>\uc99d\uac70 \uac1c\uc2dc \uacf5\uac1c<\/h3><p>NJ R. 4:17, NY CPLR Article 31 \uac1c\uc2dc \uae30\ud55c\uc740 \ub2f5\ubcc0\uc11c\ubd80\ud130 \uc9c4\ud589. <strong>\ucd08\uae30 \uacf5\uac1c \uae30\uac04<\/strong> \ub193\uce58\uba74 \uc8fc\uc694 \ubc29\uc5b4(\uc804\ubb38\uac00 \uc9c0\uc815\u00b7\ube44\uad50 \uacfc\uc2e4 \ubc30\ubd84) \ud3ec\uae30.<\/p><\/div><\/div><\/div><\/section>\n<section class=\"slf-section slf-section--alt\"><div class=\"slf-wrap\"><p class=\"slf-section-eyebrow\">04 \u00b7 \uc131\uacfc<\/p><h2 class=\"slf-h2\">\ub300\ud45c \ubcc0\ud638 \uc131\uacfc<\/h2><p class=\"slf-lead\">\ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \uc758\ub8b0\uc778 \uc0ac\ub840.<\/p><div class=\"slf-results-grid\"><div class=\"slf-result-card\"><div class=\"slf-result-headline\">\ubd80\ub3d9\uc0b0 \ucc45\uc784 \u2014 \ubcc0\ud638 \ud3c9\uacb0<\/div><p>NJ \ubbf8\ub044\ub7fc\u00b7\ub118\uc5b4\uc9d0 \uc0ac\uac74\uc5d0\uc11c \uc601\uad6c \ub4f1 \ubd80\uc0c1 \uc8fc\uc7a5 \uc6d0\uace0\uc5d0 \ub300\ud55c \ubcc0\ud638 \ud3c9\uacb0 \u2014 \uc2dc \uc870\ub840 \ub530\ub978 \uc801\uc808\ud55c \uc81c\uc124 \uc785\uc99d.<\/p><\/div><div class=\"slf-result-card\"><div class=\"slf-result-headline\">\uc790\ub3d9\ucc28 BI \u2014 Threshold \uae30\uac01<\/div><p>NJ \uc790\ub3d9\ucc28 \uc2e0\uccb4 \uc0c1\ud574 \uc0ac\uac74 verbal threshold \uae30\uac01 \u2014 \uc6d0\uace0 \ubd80\uc0c1\uc774 N.J.S.A. 39:6A-8(a) \uc601\uad6c\uc131 \uae30\uc900 \ubbf8\ucda9\uc871.<\/p><\/div><div class=\"slf-result-card\"><div class=\"slf-result-headline\">UIM \uc911\uc7ac \u2014 \ubcc0\ud638<\/div><p>\uc8fc\uc694 \ubcf4\ud5d8\uc0ac\uc758 UIM \uc911\uc7ac \uccad\uad6c \ubcc0\ud638 \u2014 \ube44\uad50 \uacfc\uc2e4 \uc99d\uac70\ub85c \uc694\uad6c\uae08\uc744 \uc815\ucc45 \ud55c\ub3c4\uc5d0\uc11c 25% \ubbf8\ub9cc\uc73c\ub85c \uac10\uc18c.<\/p><\/div><div class=\"slf-result-card\"><div class=\"slf-result-headline\">\uac74\ucd95 \ud558\uc790 \u2014 \uc591\ub3c4 \uc218\ub77d<\/div><p>\ud558\ub3c4\uae09 \ub300\ub9ac\ud558\uc5ec \uac74\ucd95 \ud558\uc790 \uc0ac\uac74\uc744 \ucd94\uac00 \ud53c\ubcf4\ud5d8\uc790 \ubcf4\ud5d8\uc0ac\uc5d0 \uc591\ub3c4 \uc131\uacf5 \u2014 $250K+ \ub178\ucd9c \uc81c\uac70.<\/p><\/div><\/div><\/div><\/section>\n<section class=\"slf-section\"><div class=\"slf-wrap\"><p class=\"slf-section-eyebrow\">05 \u00b7 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/p><h2 class=\"slf-h2\">\uc8fc\uc694 \uc9c8\ubb38<\/h2><div class=\"slf-faq\"><details class=\"slf-q\"><summary>NJ verbal threshold\uac00 \ubb54\uac00\uc694?<\/summary><div class=\"slf-a\">N.J.S.A. 39:6A-8(a)\ub294 \uc790\ub3d9\ucc28 \uc0ac\uac74 \ube44\uacbd\uc81c\uc801 \uc190\ud574\ub97c \uac1d\uad00\uc801 \uc758\ub8cc \uc99d\uac70\ub85c \ud655\uc778\ub418\ub294 <strong>\uc601\uad6c \ubd80\uc0c1<\/strong>\uc744 \uc785\uc740 \uc6d0\uace0\ub85c \uc81c\ud55c. Verbal threshold \uc635\uc158 \uc120\ud0dd \uc6d0\uace0\ub294 \uc774 \uae30\uc900 \ubbf8\ucda9\uc871 \uc2dc \ud1b5\uc99d\u00b7\uace0\ud1b5 \ud68c\uc218 \ubd88\uac00.<\/div><\/details><details class=\"slf-q\"><summary>NJ \ube44\uad50 \uacfc\uc2e4\uc740 \uc5b4\ub5bb\uac8c \uc791\ub3d9\ud558\ub098\uc694?<\/summary><div class=\"slf-a\">NJ\ub294 <strong>\uc218\uc815\ub41c \ube44\uad50 \uacfc\uc2e4<\/strong> \uc8fc \u2014 \uc6d0\uace0 \ud68c\uc218\ub294 \ubcf8\uc778 \uacfc\uc2e4 \ube44\uc728\ub9cc\ud07c \uac10\uc18c, \uacfc\uc2e4 50% \ucd08\uacfc \uc2dc \uc804\uba74 \ucc28\ub2e8. NY\ub294 \uc21c\uc218 \ube44\uad50 \uacfc\uc2e4 \u2014 99% \uacfc\uc2e4\uc774\ub77c\ub3c4 \ud68c\uc218 \uac00\ub2a5\ud558\ub098 \ube44\ub840\uc801\uc73c\ub85c \uac10\uc18c.<\/div><\/details><details class=\"slf-q\"><summary>\uad8c\ub9ac \uc720\ubcf4 \uc11c\ud55c\uc774 \ubb54\uac00\uc694?<\/summary><div class=\"slf-a\">\ubcf4\ud5d8\uc0ac\uac00 \ud53c\ubcf4\ud5d8\uc790\uc5d0\uac8c \ubcc0\ud638\ub294 \uc81c\uacf5\ud558\ub418 \uba85\uc2dc\ub41c \uc815\ucc45 \uc870\ud56d\u00b7\uc81c\uc678 \uc0ac\uc720\uc5d0 \ub530\ub77c \uba74\ucc45 \ubcf4\uc7a5 \uac70\ubd80 \uad8c\ub9ac\ub97c \uc720\ubcf4\ud55c\ub2e4\ub294 \ud1b5\uc9c0. \uc77c\ubd80 \uad00\ud560\uc5d0\uc11c \ub3c5\ub9bd \ubcc0\ud638\uc778 \uc120\uc784 \uad8c\ub9ac \ubc1c\uc0dd.<\/div><\/details><details class=\"slf-q\"><summary>\ucd94\uac00 \ud53c\ubcf4\ud5d8\uc790 \uc591\ub3c4\ub294 \uc5b8\uc81c \uc218\ub77d\ub418\ub098\uc694?<\/summary><div class=\"slf-a\">\uae30\ucd08 \uacc4\uc57d\uc774 AI \uc9c0\uc704 \uc0dd\uc131, \uc190\uc2e4\uc774 \uba85\uba85 \ud53c\ubcf4\ud5d8\uc790 \uc791\uc5c5\uc5d0\uc11c \ubc1c\uc0dd, \ubcf4\ud5d8\uc0ac AI \ubd80\uc804 \uc801\uc6a9 \uc2dc. \uac74\ucd95, \ubd80\ub3d9\uc0b0, \ubca4\ub354 \ub9e5\ub77d\uc5d0\uc11c \ud754\ud568.<\/div><\/details><details class=\"slf-q\"><summary>NJ Affidavit of Merit Statute\uac00 \ubb54\uac00\uc694?<\/summary><div class=\"slf-a\">N.J.S.A. 2A:53A-27\uc740 \uc758\ub8cc\u00b7\ubc95\ub960\u00b7\uc5d4\uc9c0\ub2c8\uc5b4\ub9c1 \ub4f1 \uacfc\uc2e4 \uc6d0\uace0\uac00 <strong>\ub2f5\ubcc0\uc11c 60\uc77c \ub0b4<\/strong> Affidavit of Merit \uc81c\ucd9c \uc694\uad6c. \ubbf8\uc81c\ucd9c \uc2dc \uc885\uad6d\uc801 \uae30\uac01 \u2014 \uac15\ub825\ud55c \ucd08\uae30 \ubc29\uc5b4 \ub3c4\uad6c.<\/div><\/details><details class=\"slf-q\"><summary>\uc545\uc758(bad faith) \ub178\ucd9c\uc774 \ubb54\uac00\uc694?<\/summary><div class=\"slf-a\">\ubcf4\ud5d8\uc0ac\uac00 \ud569\ub9ac\uc801 \uc815\ucc45 \ud55c\ub3c4 \ud569\uc758 \uac70\ubd80 \uc2dc \ud55c\ub3c4 \ucd08\uacfc \ud310\uacb0 \ubc1c\uc0dd\ud558\uba74 \uc804\uccb4 \ud310\uacb0 + \uacb0\uacfc\uc801 \uc190\ud574 \ucc45\uc784 \uac00\ub2a5. \ubc29\uc5b4 \uc804\ub7b5\uc740 \uc801\uc2dc Pico \uc11c\ud55c \uc751\ub2f5 + \ucd08\uacfc \uc81c\uc548 \ubb38\uc11c\ud654.<\/div><\/details><details class=\"slf-q\"><summary>\ubcf4\ud5d8 \ubcc0\ud638 \uc0ac\uac74\uc740 \uc5bc\ub9c8\ub098 \uac78\ub9ac\ub098\uc694?<\/summary><div class=\"slf-a\">\ub8e8\ud2f4 \uc790\ub3d9\ucc28 BI: \uc99d\uac70\uac1c\uc2dc\u00b7\uc911\uc7ac \uac70\uccd0 <strong>18~24\uac1c\uc6d4<\/strong>. \ubd80\ub3d9\uc0b0\u00b7\uc81c\uc870\ubb3c: <strong>2~3\ub144<\/strong>. \ubcf4\uc7a5 \ubd84\uc7c1\uc740 \uc120\uc5b8\uc801 \ud310\uacb0\ub85c \ube60\ub978 \ud574\uacb0, \uc885\uc885 <strong>9~15\uac1c\uc6d4<\/strong>.<\/div><\/details><details class=\"slf-q\"><summary>Anti-Subrogation \uc6d0\uce59\uc774 \ubb54\uac00\uc694?<\/summary><div class=\"slf-a\">\ubcf4\ud5d8\uc0ac\ub294 \ubcf8\uc778 \ud53c\ubcf4\ud5d8\uc790\uc5d0 \ub300\uc704\ubcc0\uc81c \ubd88\uac00. \uc8fc\uc7a5\ub41c \uac00\ud574\uc790\ub3c4 \uac19\uc740 \ubcf4\ud5d8\uc0ac \ud53c\ubcf4\ud5d8(\uc608: \ub3d9\uc77c \uc815\ucc45\uc758 \ubaa8\ud68c\uc0ac\u00b7\uc790\ud68c\uc0ac)\uc774\uba74 \ub300\uc704\ubcc0\uc81c \uccad\uad6c \uc2e4\ud328.<\/div><\/details><details class=\"slf-q\"><summary>NJ PIP \uc758\ub8cc \ud55c\ub3c4\ub294?<\/summary><div class=\"slf-a\">NJ PIP(\uac1c\uc778 \uc0c1\ud574 \ubcf4\ud638)\ub294 \uc815\ucc45 \ud55c\ub3c4(\ubcf4\ud1b5 $250,000, $15K \ud558\ud55c)\uae4c\uc9c0 first-party \uc758\ub8cc\ube44 \uc9c0\uae09. \ucd08\uacfc \uc758\ub8cc\ube44\ub294 \uac00\ud574\uc790 BI \ubcf4\uc7a5\uc5d0 \uccad\uad6c \uac00\ub2a5. PIP fee schedule\uc774 \uc758\ub8cc \uc81c\uacf5\uc790 \ubcf4\uc0c1 \ud55c\ub3c4.<\/div><\/details><details class=\"slf-q\"><summary>\uc218\uc784\ub8cc \uad6c\uc870\ub294?<\/summary><div class=\"slf-a\">\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc0ac\uac74\uc740 \ubcf4\ud5d8\uc0ac \uc2b9\uc778 <strong>\uc2dc\uac04\uc81c \uc694\uc728<\/strong> + LSG(Litigation Strategy Guidelines) \ub530\ub77c \uccad\uad6c. \uc790\uac00\ubcf4\ud5d8 \uc0ac\uac74\uc740 \uc2dc\uac04\uc81c\u00b7\ub2e8\uacc4\ubcc4 \uace0\uc815\uc218\uc784\ub8cc\u00b7\ud558\uc774\ube0c\ub9ac\ub4dc \uac00\ub2a5. \uc801\ub9bd\uae08\u00b7\uc608\uc0b0 \ucd08\uae30 \ud611\uc758.<\/div><\/details><\/div><\/div><\/section>\n<section class=\"slf-section slf-section--alt\"><div class=\"slf-wrap\"><p class=\"slf-section-eyebrow\">06 \u00b7 \uc11c\ube44\uc2a4 \uc9c0\uc5ed<\/p><h2 class=\"slf-h2\">\uc11c\ube44\uc2a4 \uc9c0\uc5ed<\/h2><p class=\"slf-lead\">\ub274\uc800\uc9c0 Fort Lee \ubcf8\uc0ac \uae30\uc900\uc73c\ub85c NJ Law Division\u00b7NY Supreme Court \ucc98\ub9ac.<\/p><div class=\"slf-areas-grid\"><div class=\"slf-area-block\"><h3>\ub274\uc800\uc9c0<\/h3><p>Bergen\u00b7Hudson\u00b7Essex\u00b7Passaic\u00b7Middlesex\u00b7Morris\u00b7Union\u00b7Somerset \uce74\uc6b4\ud2f0 \u2014 NJ Law Division(\ubbfc\uc0ac), Special Civil Part, \uc0c1\uae09\ubc95\uc6d0 \uc911\uc7ac. AAA\u00b7JAMS \uc808\ucc28.<\/p><\/div><div class=\"slf-area-block\"><h3>\ub274\uc695<\/h3><p>NY Supreme Court(\ub9e8\ud574\ud2bc\u00b7\ud038\uc988\u00b7\ube0c\ub8e8\ud074\ub9b0\u00b7\ube0c\ub871\uc2a4\u00b7\uc6e8\uc2a4\ud2b8\uccb4\uc2a4\ud130\u00b7\ub0ab\uc18c\u00b7\uc11c\ud37d). NY no-fault \uc911\uc7ac. SDNY\u00b7EDNY \uc5f0\ubc29 \ub2e4\uc591\uc131 \uc0ac\uac74.<\/p><p><strong>\uc0ac\ubb34\uc2e4:<\/strong> Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024.<\/p><\/div><\/div><\/div><\/section>\n<section class=\"slf-section slf-section--alt\"><div class=\"slf-wrap\"><p class=\"slf-section-eyebrow\">07 \u00b7 \ucd5c\uc2e0 \uae00 \u00b7 \uce7c\ub7fc<\/p><h2 class=\"slf-h2\">\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uce7c\ub7fc<\/h2><p class=\"slf-lead\">\uc1a1\ub85c\ud38c\uc758 NJ\u00b7NY \ubcf4\ud5d8 \ubcc0\ud638 \uc2e4\ubb34 \ucd5c\uc2e0 \uce7c\ub7fc.<\/p><div id=\"slf-ins-recent\" class=\"slf-recent-grid\" aria-live=\"polite\"><\/div><div style=\"margin-top: 80px;\"><p class=\"slf-section-eyebrow\">08 \u00b7 \uc131\uacf5 \uc0ac\ub840<\/p><h2 class=\"slf-h2\">\ucd5c\uadfc \ubcc0\ud638 \uc0ac\uac74<\/h2><p class=\"slf-lead\">\uc1a1\ub85c\ud38c\uc758 \ud3c9\uacb0\u00b7\uae30\uac01\u00b7\ud574\uacb0 \uc0ac\ub840.<\/p><div id=\"slf-ins-success\" class=\"slf-recent-grid\" aria-live=\"polite\"><\/div><\/div><\/div><\/section>\n<script>\nfunction slfRender(grid, posts, locale, empty) {\n  if (!Array.isArray(posts) || !posts.length) {\n    if (grid.id.indexOf('-recent') > 0) {\n      var hideList = [grid];\n      var s = grid.previousElementSibling;\n      while (s && !s.classList.contains('slf-recent-grid')) {\n        hideList.push(s);\n        s = s.previousElementSibling;\n      }\n      hideList.forEach(function(e){ e.style.display = 'none'; });\n      var wrap = grid.parentNode;\n      var successWrap = wrap.querySelector('div[style*=\"margin-top\"]');\n      if (successWrap) successWrap.style.marginTop = '0';\n      return;\n    }\n    grid.innerHTML = '<p class=\"slf-recent-empty\">' + empty + '<\/p>';\n    return;\n  }\n  grid.innerHTML = posts.map(function(p){\n    var thumb = '';\n    var em = p._embedded && p._embedded['wp:featuredmedia'];\n    if (em && em[0] && em[0].source_url) thumb = em[0].source_url;\n    var d = new Date(p.date);\n    var date = d.toLocaleDateString(locale, { year:'numeric', month:'short', day:'numeric' });\n    var thumbStyle = thumb ? (' style=\"background-image:url('+thumb+')\"') : '';\n    return '<a class=\"slf-recent-card\" href=\"'+p.link+'\"><div class=\"slf-recent-card-thumb\"' + thumbStyle + '><\/div><div class=\"slf-recent-card-body\"><div class=\"slf-recent-card-date\">'+date+'<\/div><h3 class=\"slf-recent-card-title\">'+(p.title.rendered||'')+'<\/h3><\/div><\/a>';\n  }).join('');\n}\nfunction slfSkel(grid, n) { var s=''; for(var i=0;i<n;i++) s+='<div class=\"slf-recent-card slf-skel-card\"><\/div>'; grid.innerHTML=s; }\n(function(){\n  var grid = document.getElementById('slf-ins-recent');\n  if (grid) {\n    slfSkel(grid, 8);\n    fetch('\/wp-json\/wp\/v2\/posts?per_page=8&categories=4240&_embed=wp:featuredmedia&_fields=id,date,title,link,_links,_embedded')\n      .then(function(r){ return r.json(); })\n      .then(function(posts){ slfRender(grid, posts, 'ko-KR', '\uace7 \uc0c8 \uce7c\ub7fc\uc774 \uac8c\uc2dc\ub429\ub2c8\ub2e4.'); })\n      .catch(function(){ grid.innerHTML = '<p class=\"slf-recent-empty\">\uce7c\ub7fc\uc744 \ubd88\ub7ec\uc624\ub294 \uc911\uc785\ub2c8\ub2e4.<\/p>'; });\n  }\n  var sgrid = document.getElementById('slf-ins-success');\n  if (sgrid) {\n    slfSkel(sgrid, 4);\n    fetch('\/wp-json\/wp\/v2\/posts?per_page=4&categories=4239&_embed=wp:featuredmedia&_fields=id,date,title,link,_links,_embedded')\n      .then(function(r){ return r.json(); })\n      .then(function(posts){ slfRender(sgrid, posts, 'ko-KR', '\uace7 \uc0c8 \uc0ac\ub840\uac00 \uac8c\uc2dc\ub429\ub2c8\ub2e4.'); })\n      .catch(function(){ sgrid.innerHTML = '<p class=\"slf-recent-empty\">\uc0ac\ub840\ub97c \ubd88\ub7ec\uc624\ub294 \uc911\uc785\ub2c8\ub2e4.<\/p>'; });\n  }\n})();\n<\/script>\n<section class=\"slf-section slf-section--dark\"><div class=\"slf-wrap\" style=\"text-align:center;\"><p class=\"slf-section-eyebrow\">09 \u00b7 \uc0c1\ub2f4 \ubb38\uc758<\/p><h2 class=\"slf-h2\">\ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \uc785\uc7a5\uc744 \ubcf4\ud638\ud569\ub2c8\ub2e4.<\/h2><p class=\"slf-lead\">\ubb34\ub8cc \ucd08\uae30 \uc0c1\ub2f4. \uccab\ub0a0\ubd80\ud130 \uc2dc\ub2c8\uc5b4 \ud2b8\ub77c\uc774\uc5bc \ubcc0\ud638\uc0ac. \ubcf4\ud5d8\uc0ac \uc2b9\uc778 \uccad\uad6c\u00b7\ud558\uc774\ube0c\ub9ac\ub4dc \uac00\ub2a5.<\/p><div class=\"slf-cta-row\"><a aria-label=\"Call  12014610031\" href=\"tel:+12014610031\" class=\"slf-btn slf-btn--primary\">\uc804\ud654 (201) 461-0031<\/a><a href=\"https:\/\/songlawfirm.com\/ko\/consutation\/\" class=\"slf-btn slf-btn--outline\">\ubb34\ub8cc \uc0c1\ub2f4 \uc2e0\uccad<\/a><\/div><p style=\"font-size:13px;color:#d8d4c8;margin-top:30px;\">Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024 &middot; office@songlawfirm.com<\/p><\/div><\/section>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"LegalService\",\"name\":\"\uc1a1\ub85c\ud38c \u2014 \ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\ud300\",\"url\":\"https:\/\/songlawfirm.com\/ko\/practice-areas\/insurance-defense-litigation\/\",\"telephone\":\"+1-201-461-0031\",\"availableLanguage\":[\"English\",\"Korean\",\"Chinese\"]}\n<\/script>\n<\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"NJ verbal threshold\uac00 \ubb54\uac00\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"N.J.S.A. 39:6A-8(a)\ub294 \uc790\ub3d9\ucc28 \uc0ac\uac74 \ube44\uacbd\uc81c\uc801 \uc190\ud574\ub97c \uac1d\uad00\uc801 \uc758\ub8cc \uc99d\uac70\ub85c \ud655\uc778\ub418\ub294 \uc601\uad6c \ubd80\uc0c1\uc744 \uc785\uc740 \uc6d0\uace0\ub85c \uc81c\ud55c. Verbal threshold \uc635\uc158 \uc120\ud0dd \uc6d0\uace0\ub294 \uc774 \uae30\uc900 \ubbf8\ucda9\uc871 \uc2dc \ud1b5\uc99d\u00b7\uace0\ud1b5 \ud68c\uc218 \ubd88\uac00.\"}}, {\"@type\": \"Question\", \"name\": \"NJ \ube44\uad50 \uacfc\uc2e4\uc740 \uc5b4\ub5bb\uac8c \uc791\ub3d9\ud558\ub098\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"NJ\ub294 \uc218\uc815\ub41c \ube44\uad50 \uacfc\uc2e4 \uc8fc \u2014 \uc6d0\uace0 \ud68c\uc218\ub294 \ubcf8\uc778 \uacfc\uc2e4 \ube44\uc728\ub9cc\ud07c \uac10\uc18c, \uacfc\uc2e4 50% \ucd08\uacfc \uc2dc \uc804\uba74 \ucc28\ub2e8. NY\ub294 \uc21c\uc218 \ube44\uad50 \uacfc\uc2e4 \u2014 99% \uacfc\uc2e4\uc774\ub77c\ub3c4 \ud68c\uc218 \uac00\ub2a5\ud558\ub098 \ube44\ub840\uc801\uc73c\ub85c \uac10\uc18c.\"}}, {\"@type\": \"Question\", \"name\": \"\uad8c\ub9ac \uc720\ubcf4 \uc11c\ud55c\uc774 \ubb54\uac00\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\ubcf4\ud5d8\uc0ac\uac00 \ud53c\ubcf4\ud5d8\uc790\uc5d0\uac8c \ubcc0\ud638\ub294 \uc81c\uacf5\ud558\ub418 \uba85\uc2dc\ub41c \uc815\ucc45 \uc870\ud56d\u00b7\uc81c\uc678 \uc0ac\uc720\uc5d0 \ub530\ub77c \uba74\ucc45 \ubcf4\uc7a5 \uac70\ubd80 \uad8c\ub9ac\ub97c \uc720\ubcf4\ud55c\ub2e4\ub294 \ud1b5\uc9c0. \uc77c\ubd80 \uad00\ud560\uc5d0\uc11c \ub3c5\ub9bd \ubcc0\ud638\uc778 \uc120\uc784 \uad8c\ub9ac \ubc1c\uc0dd.\"}}, {\"@type\": \"Question\", \"name\": \"\ucd94\uac00 \ud53c\ubcf4\ud5d8\uc790 \uc591\ub3c4\ub294 \uc5b8\uc81c \uc218\ub77d\ub418\ub098\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\uae30\ucd08 \uacc4\uc57d\uc774 AI \uc9c0\uc704 \uc0dd\uc131, \uc190\uc2e4\uc774 \uba85\uba85 \ud53c\ubcf4\ud5d8\uc790 \uc791\uc5c5\uc5d0\uc11c \ubc1c\uc0dd, \ubcf4\ud5d8\uc0ac AI \ubd80\uc804 \uc801\uc6a9 \uc2dc. \uac74\ucd95, \ubd80\ub3d9\uc0b0, \ubca4\ub354 \ub9e5\ub77d\uc5d0\uc11c \ud754\ud568.\"}}, {\"@type\": \"Question\", \"name\": \"NJ Affidavit of Merit Statute\uac00 \ubb54\uac00\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"N.J.S.A. 2A:53A-27\uc740 \uc758\ub8cc\u00b7\ubc95\ub960\u00b7\uc5d4\uc9c0\ub2c8\uc5b4\ub9c1 \ub4f1 \uacfc\uc2e4 \uc6d0\uace0\uac00 \ub2f5\ubcc0\uc11c 60\uc77c \ub0b4 Affidavit of Merit \uc81c\ucd9c \uc694\uad6c. \ubbf8\uc81c\ucd9c \uc2dc \uc885\uad6d\uc801 \uae30\uac01 \u2014 \uac15\ub825\ud55c \ucd08\uae30 \ubc29\uc5b4 \ub3c4\uad6c.\"}}, {\"@type\": \"Question\", \"name\": \"\uc545\uc758(bad faith) \ub178\ucd9c\uc774 \ubb54\uac00\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\ubcf4\ud5d8\uc0ac\uac00 \ud569\ub9ac\uc801 \uc815\ucc45 \ud55c\ub3c4 \ud569\uc758 \uac70\ubd80 \uc2dc \ud55c\ub3c4 \ucd08\uacfc \ud310\uacb0 \ubc1c\uc0dd\ud558\uba74 \uc804\uccb4 \ud310\uacb0 + \uacb0\uacfc\uc801 \uc190\ud574 \ucc45\uc784 \uac00\ub2a5. \ubc29\uc5b4 \uc804\ub7b5\uc740 \uc801\uc2dc Pico \uc11c\ud55c \uc751\ub2f5 + \ucd08\uacfc \uc81c\uc548 \ubb38\uc11c\ud654.\"}}, {\"@type\": \"Question\", \"name\": \"\ubcf4\ud5d8 \ubcc0\ud638 \uc0ac\uac74\uc740 \uc5bc\ub9c8\ub098 \uac78\ub9ac\ub098\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\ub8e8\ud2f4 \uc790\ub3d9\ucc28 BI: \uc99d\uac70\uac1c\uc2dc\u00b7\uc911\uc7ac \uac70\uccd0 18~24\uac1c\uc6d4. \ubd80\ub3d9\uc0b0\u00b7\uc81c\uc870\ubb3c: 2~3\ub144. \ubcf4\uc7a5 \ubd84\uc7c1\uc740 \uc120\uc5b8\uc801 \ud310\uacb0\ub85c \ube60\ub978 \ud574\uacb0, \uc885\uc885 9~15\uac1c\uc6d4.\"}}, {\"@type\": \"Question\", \"name\": \"Anti-Subrogation \uc6d0\uce59\uc774 \ubb54\uac00\uc694?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\ubcf4\ud5d8\uc0ac\ub294 \ubcf8\uc778 \ud53c\ubcf4\ud5d8\uc790\uc5d0 \ub300\uc704\ubcc0\uc81c \ubd88\uac00. \uc8fc\uc7a5\ub41c \uac00\ud574\uc790\ub3c4 \uac19\uc740 \ubcf4\ud5d8\uc0ac \ud53c\ubcf4\ud5d8(\uc608: \ub3d9\uc77c \uc815\ucc45\uc758 \ubaa8\ud68c\uc0ac\u00b7\uc790\ud68c\uc0ac)\uc774\uba74 \ub300\uc704\ubcc0\uc81c \uccad\uad6c \uc2e4\ud328.\"}}, {\"@type\": \"Question\", \"name\": \"NJ PIP \uc758\ub8cc \ud55c\ub3c4\ub294?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"NJ PIP(\uac1c\uc778 \uc0c1\ud574 \ubcf4\ud638)\ub294 \uc815\ucc45 \ud55c\ub3c4(\ubcf4\ud1b5 $250,000, $15K \ud558\ud55c)\uae4c\uc9c0 first-party \uc758\ub8cc\ube44 \uc9c0\uae09. \ucd08\uacfc \uc758\ub8cc\ube44\ub294 \uac00\ud574\uc790 BI \ubcf4\uc7a5\uc5d0 \uccad\uad6c \uac00\ub2a5. PIP fee schedule\uc774 \uc758\ub8cc \uc81c\uacf5\uc790 \ubcf4\uc0c1 \ud55c\ub3c4.\"}}, {\"@type\": \"Question\", \"name\": \"\uc218\uc784\ub8cc \uad6c\uc870\ub294?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc0ac\uac74\uc740 \ubcf4\ud5d8\uc0ac \uc2b9\uc778 \uc2dc\uac04\uc81c \uc694\uc728 + LSG(Litigation Strategy Guidelines) \ub530\ub77c \uccad\uad6c. \uc790\uac00\ubcf4\ud5d8 \uc0ac\uac74\uc740 \uc2dc\uac04\uc81c\u00b7\ub2e8\uacc4\ubcc4 \uace0\uc815\uc218\uc784\ub8cc\u00b7\ud558\uc774\ube0c\ub9ac\ub4dc \uac00\ub2a5. \uc801\ub9bd\uae08\u00b7\uc608\uc0b0 \ucd08\uae30 \ud611\uc758.\"}}]}\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>\uc5c5\ubb34\ubd84\uc57c \ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1 \ud55c\uad6d\uc5b4, \u4e2d\u6587, English \uc9c1\uc811 \ubcc0\ud638\uc0ac \uc0c1\ub2f4 &mdash; \ud1b5\uc5ed \uc5c6\uc774. NJ\u00b7NY \ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4 \ubcc0\ud638 \u2014 \uc2e0\uccb4 \uc0c1\ud574, \ubd80\ub3d9\uc0b0 \ucc45\uc784, \uc81c\uc870\ubb3c, \uc804\ubb38\uc9c1 \ucc45\uc784, \ubcf4\uc7a5, \uc545\uc758(bad faith) \uc0ac\uc548. \uc804\ud654 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":24424,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"enabled","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-26236","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1 - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"description\" content=\"\uc1a1\ub85c\ud38c\uc758 NJ\u00b7NY \ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\ud300 \u2014 \uc790\ub3d9\ucc28 \ucc45\uc784, \ubd80\ub3d9\uc0b0, \uc81c\uc870\ubb3c, \uc804\ubb38\uc9c1 \ucc45\uc784, \ubcf4\uc7a5, \uc545\uc758 \ubc29\uc5b4. \ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4 \ub300\ub9ac.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey\" \/>\n<meta property=\"og:url\" content=\"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/songlawfirmllc\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-14T01:01:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard-150x150.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data1\" content=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/\",\"name\":\"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1 - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/Attorneys_howard-150x150.jpg\",\"datePublished\":\"2026-06-13T22:47:56+00:00\",\"dateModified\":\"2026-06-14T01:01:06+00:00\",\"description\":\"\uc1a1\ub85c\ud38c\uc758 NJ\u00b7NY \ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\ud300 \u2014 \uc790\ub3d9\ucc28 \ucc45\uc784, \ubd80\ub3d9\uc0b0, \uc81c\uc870\ubb3c, \uc804\ubb38\uc9c1 \ucc45\uc784, \ubcf4\uc7a5, \uc545\uc758 \ubc29\uc5b4. \ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4 \ub300\ub9ac.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#primaryimage\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/Attorneys_howard-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/Attorneys_howard-150x150.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ed%99%88-2\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\uc5c5\ubb34\ubd84\uc57c\",\"item\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#website\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/\",\"name\":\"Song Law Firm\",\"description\":\"\ub274\uc800\uc9c0 \ud55c\uc778 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uac00\uc815\ubc95 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uc774\ud63c \ubcc0\ud638\uc0ac, \uc0ac\uace0 \uc0c1\ud574, \uc774\ubbfc, \uad50\ud1b5\uc0ac\uace0, \ub178\ub3d9\ubc95, \ud30c\uc0b0\",\"publisher\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":[\"Organization\",\"Place\"],\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#organization\",\"name\":\"Song Law Firm\",\"alternateName\":\"Song Law Firm\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/\",\"logo\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#local-main-organization-logo\"},\"image\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#local-main-organization-logo\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/songlawfirmllc\"],\"description\":\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, NJ\",\"legalName\":\"Song Law Firm\",\"foundingDate\":\"2012-06-14\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"11\",\"maxValue\":\"50\"},\"ownershipFundingInfo\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%eb%b3%80%ed%98%b8%ec%82%ac\\\/joseph-song\\\/\",\"telephone\":[],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\",\"Saturday\",\"Sunday\"],\"opens\":\"09:00\",\"closes\":\"17:00\"}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\\\/insurance-defense-litigation\\\/#local-main-organization-logo\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/favicon.webp\",\"contentUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/favicon.webp\",\"width\":500,\"height\":500,\"caption\":\"Song Law Firm\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1 - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c","description":"\uc1a1\ub85c\ud38c\uc758 NJ\u00b7NY \ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\ud300 \u2014 \uc790\ub3d9\ucc28 \ucc45\uc784, \ubd80\ub3d9\uc0b0, \uc81c\uc870\ubb3c, \uc804\ubb38\uc9c1 \ucc45\uc784, \ubcf4\uc7a5, \uc545\uc758 \ubc29\uc5b4. \ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4 \ub300\ub9ac.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/","og_locale":"ko_KR","og_type":"article","og_title":"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1","og_description":"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey","og_url":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/","og_site_name":"\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c","article_publisher":"https:\/\/www.facebook.com\/songlawfirmllc","article_modified_time":"2026-06-14T01:01:06+00:00","og_image":[{"url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard-150x150.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"1\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/","url":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/","name":"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1 - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c","isPartOf":{"@id":"https:\/\/songlawfirm.com\/ko\/#website"},"primaryImageOfPage":{"@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#primaryimage"},"image":{"@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#primaryimage"},"thumbnailUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard-150x150.jpg","datePublished":"2026-06-13T22:47:56+00:00","dateModified":"2026-06-14T01:01:06+00:00","description":"\uc1a1\ub85c\ud38c\uc758 NJ\u00b7NY \ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1\ud300 \u2014 \uc790\ub3d9\ucc28 \ucc45\uc784, \ubd80\ub3d9\uc0b0, \uc81c\uc870\ubb3c, \uc804\ubb38\uc9c1 \ucc45\uc784, \ubcf4\uc7a5, \uc545\uc758 \ubc29\uc5b4. \ubcf4\ud5d8\uc0ac\u00b7\uc790\uac00\ubcf4\ud5d8 \ub2e8\uccb4 \ub300\ub9ac.","breadcrumb":{"@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#primaryimage","url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard-150x150.jpg","contentUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard-150x150.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/songlawfirm.com\/ko\/%ed%99%88-2\/"},{"@type":"ListItem","position":2,"name":"\uc5c5\ubb34\ubd84\uc57c","item":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/"},{"@type":"ListItem","position":3,"name":"\ubcf4\ud5d8\uc0ac \ubcc0\ud638 \uc18c\uc1a1"}]},{"@type":"WebSite","@id":"https:\/\/songlawfirm.com\/ko\/#website","url":"https:\/\/songlawfirm.com\/ko\/","name":"Song Law Firm","description":"\ub274\uc800\uc9c0 \ud55c\uc778 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uac00\uc815\ubc95 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uc774\ud63c \ubcc0\ud638\uc0ac, \uc0ac\uace0 \uc0c1\ud574, \uc774\ubbfc, \uad50\ud1b5\uc0ac\uace0, \ub178\ub3d9\ubc95, \ud30c\uc0b0","publisher":{"@id":"https:\/\/songlawfirm.com\/ko\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/songlawfirm.com\/ko\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":["Organization","Place"],"@id":"https:\/\/songlawfirm.com\/ko\/#organization","name":"Song Law Firm","alternateName":"Song Law Firm","url":"https:\/\/songlawfirm.com\/ko\/","logo":{"@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#local-main-organization-logo"},"image":{"@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#local-main-organization-logo"},"sameAs":["https:\/\/www.facebook.com\/songlawfirmllc"],"description":"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, NJ","legalName":"Song Law Firm","foundingDate":"2012-06-14","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"11","maxValue":"50"},"ownershipFundingInfo":"https:\/\/songlawfirm.com\/ko\/%eb%b3%80%ed%98%b8%ec%82%ac\/joseph-song\/","telephone":[],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday","Sunday"],"opens":"09:00","closes":"17:00"}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/insurance-defense-litigation\/#local-main-organization-logo","url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/09\/favicon.webp","contentUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/09\/favicon.webp","width":500,"height":500,"caption":"Song Law Firm"}]}},"_links":{"self":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/pages\/26236","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/comments?post=26236"}],"version-history":[{"count":1,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/pages\/26236\/revisions"}],"predecessor-version":[{"id":26278,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/pages\/26236\/revisions\/26278"}],"up":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/pages\/24424"}],"wp:attachment":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/media?parent=26236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}