{"id":13400,"date":"2023-09-22T09:04:58","date_gmt":"2023-09-22T13:04:58","guid":{"rendered":"https:\/\/songlawfirm.com\/understanding-um-uim-coverage-under-new-jersey-law\/"},"modified":"2025-04-17T16:47:01","modified_gmt":"2025-04-17T20:47:01","slug":"understanding-um-uim-coverage-under-new-jersey-law","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/understanding-um-uim-coverage-under-new-jersey-law\/","title":{"rendered":"\ub274\uc800\uc9c0 \ubc95 \ud558\uc758 UM\/UIM \ubcf4\ud5d8 \ucee4\ubc84\ub9ac\uc9c0 \uc774\ud574\ud558\uae30"},"content":{"rendered":"<p><a href=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/09\/5f04pn6owem.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-13394 alignleft\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/09\/5f04pn6owem-193x300.jpg\" alt=\"traffic light at blue\" width=\"193\" height=\"300\" srcset=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/09\/5f04pn6owem-193x300.jpg 193w, https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/09\/5f04pn6owem-657x1024.jpg 657w, https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/09\/5f04pn6owem-768x1197.jpg 768w, https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/09\/5f04pn6owem-128x200.jpg 128w, https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/09\/5f04pn6owem.jpg 770w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/><\/a><\/p>\n<p>\ub179\uc0c9 \uc2e0\ud638\ub97c \ub530\ub77c \uc8fc\ud589 \uc911, \uac11\uc791\uc2a4\ub7f0 \ucc28\ub7c9\uc774 \ube68\uac04 \ubd88\uc744 \ubb34\uc2dc\ud558\uba70 \ub2f9\uc2e0\uc758 \ucc28\uc640 \ubd80\ub52a\ud799\ub2c8\ub2e4. \uc0ac\uace0 \ud6c4, \uc0c1\ub300 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc5d0 \ubbf8\uac00\uc785\uc790\ub77c\ub294 \uc0ac\uc2e4\uc744 \uc54c\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc5d0\uc11c UM\/UIM \ubcf4\ud5d8\uc758 \uc911\uc694\uc131\uc774 \ub3cb\ubcf4\uc774\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p><strong>\uc11c\ub860<\/strong><br \/>\n\uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \uad00\ud55c \uaddc\uc815\uacfc \uc138\ubd80\uc0ac\ud56d\uc740 \ubcf5\uc7a1\ud558\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ub274\uc800\uc9c0 \uc8fc\uc758 \ubb34\ubcf4\ud5d8\/\uacfc\uc18c \ubcf4\ud5d8 \uc6b4\uc804\uc790 \ubcf4\ud5d8(<strong><u>U<\/u><\/strong>ninsured <strong><u>M<\/u><\/strong>otorist\/<strong><u>U<\/u><\/strong>nder<strong><u>i<\/u><\/strong>nsured <strong><u>M<\/u><\/strong>otorist)\uc5d0 \ub300\ud55c \uaddc\uc815\uc740 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \uc774 \ubcf4\ud5d8\uc740 \uc608\uae30\uce58 \uc54a\uc740 \uc0ac\uace0 \uc0c1\ud669\uc5d0\uc11c \uc6b4\uc804\uc790\ub97c \ubcf4\ud638\ud558\ub294 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ubcf8 \uce7c\ub7fc\uc5d0\uc11c\ub294 \ub274\uc800\uc9c0 \uc8fc \ubc95\ub960 \ud558\uc5d0\uc11c UM\/UIM \ubcf4\ud5d8\uc774 \uc5b4\ub5bb\uac8c \uc801\uc6a9\ub418\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc774\uac83\uc774 \uc65c \uc911\uc694\ud55c\uc9c0\ub97c \uc0c1\uc138\ud788 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>UM\/UIM <\/strong><strong>\ubcf4\ud5d8\uc758<\/strong> <strong>\uc815\uc758<\/strong><br \/>\nUM\/UIM \ubcf4\ud5d8\uc740 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 \uc77c\ubd80\ub85c, \ubcf4\ud5d8 \ubbf8\uac00\uc785 \ub610\ub294 \ubcf4\ud5d8 \ud55c\ub3c4 \ubd80\uc871\uc778 \uc6b4\uc804\uc790\uc640\uc758 \uc0ac\uace0\ub85c \uc778\ud55c \uc7ac\uc815\uc801 \uc190\uc2e4\uc744 \ubcf4\ud638\ud558\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc11c &#8216;\ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790&#8217;\ub294 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \uc804\ud600 \uac00\uc9c0\uace0 \uc788\uc9c0 \uc54a\uc740 \uc0ac\ub78c\uc744, &#8216;\uacfc\uc18c \ubcf4\ud5d8 \uc6b4\uc804\uc790&#8217;\ub294 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \uc0ac\uace0\ub85c \uc778\ud55c \uc190\ud574\ub97c \uc804\uc561 \ucee4\ubc84\ud558\uc9c0 \ubabb\ud558\ub294 \uc0ac\ub78c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ub274\uc800\uc9c0\uc5d0\uc11c\uc758<\/strong> <strong>\ubc95\uc801<\/strong> <strong>\uc694\uac74<\/strong><br \/>\n\ub274\uc800\uc9c0 \uc8fc\uc5d0\uc11c UM\/UIM \ubcf4\ud5d8\uc740 \uc758\ubb34\uc801\uc73c\ub85c \uc694\uad6c\ub418\uc9c0\ub294 \uc54a\uc9c0\ub9cc, \uac15\ub825\ud788 \uad8c\uc7a5\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0 \uc8fc\ub294 \ucd5c\uc18c \ucc45\uc784 \ubcf4\ud5d8\uc744 \uc694\uad6c\ud558\ub294\ub370, \uc774\uc5d0\ub294 \uac1c\uc778\ub2f9 \ubd80\uc0c1 \ub610\ub294 \uc0ac\ub9dd\uc5d0 \ub300\ud574 $15,000, \ub450 \uba85 \uc774\uc0c1\uc758 \ubd80\uc0c1 \ub610\ub294 \uc0ac\ub9dd\uc5d0 \ub300\ud574 $30,000, \uadf8\ub9ac\uace0 \uc7ac\uc0b0 \ud53c\ud574\uc5d0 \ub300\ud574\uc11c\ub294 $5,000\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc2ec\uac01\ud55c \uc0ac\uace0\uc5d0 \ub300\ube44\ud558\uc5ec, UM\/UIM \ubcf4\ud5d8\uc740 \ubcf4\ud5d8 \uc815\ucc45\uc5d0 \ucd94\uac00\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>UM\/UIM <\/strong><strong>\ubcf4\ud5d8\uc758<\/strong> <strong>\uc791\ub3d9<\/strong> <strong>\uc6d0\ub9ac<\/strong><br \/>\n\ubb34\ubcf4\ud5d8 \ub610\ub294 \uacfc\uc18c \ubcf4\ud5d8 \uc6b4\uc804\uc790\uc640\uc758 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud55c \uacbd\uc6b0, \ubcf4\ud5d8 \uacc4\uc57d\uc790\ub294 \uc790\uc2e0\uc758 UM\/UIM \ubcf4\ud5d8 \ud56d\ubaa9\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \uccad\uad6c\ub97c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0, \ubcf4\ud5d8\uc0ac\ub294 \ubcf4\ud5d8\uae08 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uadc0\ucc45 \uc0ac\uc720\uc758 \uc6b4\uc804\uc790\uac00 \ubd80\ub2f4\ud574\uc57c \ud560 \ube44\uc6a9\uc744 \ub300\uc2e0 \uc9c0\ubd88\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0 \uc8fc\uc5d0\uc11c\ub294 UM\/UIM \ubcf4\ud5d8 \ud55c\ub3c4\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ubcf4\ud5d8 \uacc4\uc57d\uc790\uc758 \ucc45\uc784 \ubcf4\ud5d8 \ud55c\ub3c4\uc640 \ub3d9\uc77c\ud558\uac8c \uc124\uc815\ub418\uba70, \ud2b9\ubcc4\ud55c \uc120\ud0dd\uc744 \ud558\uc9c0 \uc54a\ub294 \ud55c \uc774\ub7ec\ud55c \ubc29\uc2dd\uc73c\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p><strong><u>\uc608\uc2dc<\/u><\/strong><br \/>\nUM\/UIM \ubcf4\ud5d8\uc744 \uac00\uc9c4 \uc0c1\ud669\uc5d0\uc11c, \uadc0\ud558\uc758 \ubcf4\ud5d8\uc740 \uc2e0\uccb4 \uc0c1\ud574\uc5d0 \ub300\ud574 $100,000, \ucc28\ub7c9 \ud53c\ud574\uc5d0 \ub300\ud574\uc11c\ub294 $50,000\uc758 \ubcf4\uc7a5 \ud55c\ub3c4\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc0ac\uace0\ub97c \uc77c\uc73c\ud0a8 \ub2e4\ub978 \uc6b4\uc804\uc790\ub294 \uc2e0\uccb4 \uc0c1\ud574\uc5d0 \ub300\ud574 $50,000, \ucc28\ub7c9 \ud53c\ud574\uc5d0 \ub300\ud574\uc11c\ub294 $25,000\uc758 \ubcf4\ud5d8 \ud55c\ub3c4\ub9cc\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong><u>\uc2e0\uccb4 <\/u><\/strong><strong><u>\uc0c1\ud574<\/u><\/strong><br \/>\n\uadc0\ud558\uc758 \uc758\ub8cc \ube44\uc6a9\uc740 $40,000\uc774\uba70, \ub274\uc800\uc9c0\ub294 &#8216;\ubb34\uacfc\uc2e4&#8217; \uc8fc\ub85c\uc11c \ubcf8\uc778\uc758 \uac1c\uc778 \ubd80\uc0c1 \ubcf4\ud638(Personal Injury Protection; PIP) \ubcf4\ud5d8\uc744 \ud1b5\ud574 \uc758\ub8cc \ube44\uc6a9\uc774 \ucc98\ub9ac\ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uadc0\ud558\uc758 \uace0\ud1b5, \uc0b6\uc758 \uc9c8\uc758 \uc190\uc2e4 \ubc0f \uae30\ud0c0 \ube44\uacbd\uc81c\uc801 \uc190\ud574\ub85c \uc778\ud55c \ucd1d \uc190\ud574\ub294 $70,000\uc785\ub2c8\ub2e4. \uc774 \uacbd\uc6b0, \uc0ac\uace0\ub97c \uc77c\uc73c\ud0a8 \uc6b4\uc804\uc790\uc758 \ubcf4\ud5d8\uc740 $50,000\uc744 \uc9c0\ubd88\ud558\uba70, \uadc0\ud558\uc758 UM\/UIM \ubcf4\ud5d8\uc740 \ub098\uba38\uc9c0 $20,000\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4.<\/li>\n<li><strong><u>\ucc28\ub7c9 <\/u><\/strong><strong><u>\ud53c\ud574<\/u><\/strong><br \/>\n\uadc0\ud558\uc758 \ucc28\ub7c9 \ud53c\ud574\ub294 \ucd1d $40,000\uc785\ub2c8\ub2e4. \uc0ac\uace0\ub97c \uc77c\uc73c\ud0a8 \uc6b4\uc804\uc790\uc758 \ubcf4\ud5d8\uc740 $25,000\uc744 \uc9c0\ubd88\ud558\uace0, \uadc0\ud558\uc758 UM\/UIM \ubcf4\ud5d8\uc740 \ub098\uba38\uc9c0 $15,000\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc774\ub807\uac8c UM\/UIM \ubcf4\ud5d8\uc744 \ud1b5\ud574 \ub2e4\ub978 \uc0ac\ub78c\uc758 \ubd80\uc871\ud55c \ubcf4\ud5d8\uc73c\ub85c \uc778\ud55c \uc7ac\uc815\uc801 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>&#8216;<\/strong><strong>\uc2a4\ud15d<\/strong><strong>&#8211;<\/strong><strong>\ub2e4\uc6b4<\/strong><strong>&#8216; <\/strong><strong>\uc870\ud56d<\/strong><br \/>\n\ub274\uc800\uc9c0 \ubc95\uc740 UM\/UIM \ubcf4\ud5d8 \uc815\ucc45 \ub0b4\uc5d0\uc11c &#8216;\uc2a4\ud15d-\ub2e4\uc6b4&#8217; \uc870\ud56d\uc758 \uc801\uc6a9\uc744 \ud5c8\uc6a9\ud569\ub2c8\ub2e4. \uc774 \uc870\ud56d\uc740 \ubcf4\ud5d8 \uacc4\uc57d\uc790 \uc678\uc758 \uac00\uc871 \uad6c\uc131\uc6d0\uc5d0\uac8c \uc801\uc6a9\ub418\ub294 \ubcf4\ud5d8\uae08\uc744 \uc81c\ud55c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc870\ud56d\uc758 \uc601\ud5a5\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubcf4\ud5d8 \uc57d\uad00\uc744 \uc8fc\uc758 \uae4a\uac8c \uac80\ud1a0\ud558\uace0 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ubc1b\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>UM\/UIM <\/strong><strong>\uccad\uad6c<\/strong> <strong>\uc808\ucc28<\/strong><br \/>\n\ub274\uc800\uc9c0\uc5d0\uc11c UM\/UIM \uccad\uad6c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc808\ucc28\ub97c \uac70\uce69\ub2c8\ub2e4:<\/p>\n<ol>\n<li><strong>\ud1b5\ubcf4<\/strong>: \uc0ac\uace0 \ubc1c\uc0dd \ud6c4 \uc989\uc2dc \ubcf4\ud5d8\uc0ac\uc5d0 \uc54c\ub9bd\ub2c8\ub2e4.<\/li>\n<li><strong>\uc870\uc0ac<\/strong>: \ubcf4\ud5d8\uc0ac\ub294 \uc0ac\uace0 \uad00\ub828 \uc99d\uac70\uc640 \ubb38\uc11c\ub97c \uac80\ud1a0\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ud611\uc0c1<\/strong>: \ubcf4\ud5d8\uc0ac\ub294 \uc0ac\uace0\ub97c \uc77c\uc73c\ud0a8 \uc6b4\uc804\uc790\uc758 \ubcf4\ud5d8\uc0ac\uc640 \ud611\uc0c1\uc744 \uc9c4\ud589\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc911\uc7ac<\/strong>: \ud611\uc0c1\uc774 \ud0c0\uacb0\ub418\uc9c0 \uc54a\uc744 \uacbd\uc6b0, UM\/UIM \uccad\uad6c\uc5d0 \uad00\ud55c \ubd84\uc7c1\uc740 \uc911\uc7ac\ub97c \ud1b5\ud574 \ud574\uacb0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p><strong>\ubc95\uc801<\/strong> <strong>\uace0\ub824\uc0ac\ud56d<\/strong><br \/>\nUM\/UIM \uccad\uad6c\ub294 \ubcf5\uc7a1\ud55c \uacfc\uc815\uc744 \ud3ec\ud568\ud558\uba70, \uc804\ubb38\uc801\uc778 \uc9c0\uc2dd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc0ac\uace0\uc758 \uc6d0\uc778, \ubd80\uc0c1\uc758 \uc815\ub3c4, \ubcf4\ud5d8 \uccad\uad6c\uc5d0 \uad00\ud55c \ud611\uc0c1 \ub4f1 \ub2e4\uc591\ud55c \uc0ac\ud56d\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c, UM\/UIM \uad00\ub828 \uc0ac\uac74\uc5d0\uc11c\ub294 \uc804\ubb38 \ubcc0\ud638\uc0ac\uc758 \ub3c4\uc6c0\uc744 \ubc1b\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uacb0\ub860<\/strong><br \/>\nUM\/UIM \ubcf4\ud5d8\uc740 \ub274\uc800\uc9c0 \uc8fc\ubbfc\ub4e4\uc5d0\uac8c \uc911\uc694\ud55c \ubcf4\ud5d8 \ud56d\ubaa9 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc774 \ubcf4\ud5d8\uc744 \ud1b5\ud574 \uc6b4\uc804\uc790\ub294 \uc608\uae30\uce58 \uc54a\uc740 \uc0ac\uace0\ub85c \uc778\ud55c \uc7ac\uc815\uc801 \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc758 UM\/UIM \ubcf4\ud5d8 \ubc0f \uad00\ub828 \ubc95\uaddc\uc5d0 \ub300\ud55c \uc815\ud655\ud55c \uc774\ud574\ub294 \uc6b4\uc804\uc790\uc758 \uad8c\uc775\uc744 \ubcf4\ud638\ud558\ub294 \ub370 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uba74\ucc45 <\/strong><strong>\uc870\ud56d<\/strong>: \ubcf8 \uce7c\ub7fc\uc758 \ub0b4\uc6a9\uc740 \uc77c\ubc18\uc801\uc778 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70, \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \uc870\uc5b8\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uac1c\ubcc4\uc801\uc778 \uc0c1\ud669\uc5d0 \ub300\ud55c \ubc95\ub960 \uc870\uc5b8\uc744 \uc6d0\ud558\uc2dc\uba74 \uc804\ubb38 \ubcc0\ud638\uc0ac\uc640 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe title=\"\ub274\uc800\uc9c0 UM\/UIM \ubcf4\uc7a5: \ubb34\ubcf4\ud5d8 \ubc0f \ubcf4\uc7a5 \ubd80\uc871 \uc6b4\uc804\uc790 \uc0ac\uace0, \uc5b4\ub5bb\uac8c \ub300\ube44\ud560 \uac83\uc778\uac00?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/MNLLH4zewss?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ub179\uc0c9 \uc2e0\ud638\ub97c \ub530\ub77c \uc8fc\ud589 \uc911, \uac11\uc791\uc2a4\ub7f0 \ucc28\ub7c9\uc774 \ube68\uac04 \ubd88\uc744 \ubb34\uc2dc\ud558\uba70 \ub2f9\uc2e0\uc758 \ucc28\uc640 \ubd80\ub52a\ud799\ub2c8\ub2e4. \uc0ac\uace0 \ud6c4, \uc0c1\ub300 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc5d0 \ubbf8\uac00\uc785\uc790\ub77c\ub294 \uc0ac\uc2e4\uc744 \uc54c\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc5d0\uc11c UM\/UIM \ubcf4\ud5d8\uc758 \uc911\uc694\uc131\uc774 \ub3cb\ubcf4\uc774\uac8c \ub429\ub2c8\ub2e4. \uc11c\ub860 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