{"id":21270,"date":"2024-12-12T15:20:06","date_gmt":"2024-12-12T20:20:06","guid":{"rendered":"https:\/\/songlawfirm.com\/%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%ba%91%ec%86%8c%eb%8b%88-%ec%82%ac%ea%b3%a0%eb%a5%bc-%eb%8b%b9%ed%96%88%ec%9d%84-%eb%95%8c-%eb%b3%b4%ec%83%81%ec%9d%84-%eb%b0%9b%ea%b8%b0-%ec%9c%84\/"},"modified":"2025-02-24T22:10:36","modified_gmt":"2025-02-25T03:10:36","slug":"%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%ba%91%ec%86%8c%eb%8b%88-%ec%82%ac%ea%b3%a0%eb%a5%bc-%eb%8b%b9%ed%96%88%ec%9d%84-%eb%95%8c-%eb%b3%b4%ec%83%81%ec%9d%84-%eb%b0%9b%ea%b8%b0-%ec%9c%84","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%ba%91%ec%86%8c%eb%8b%88-%ec%82%ac%ea%b3%a0%eb%a5%bc-%eb%8b%b9%ed%96%88%ec%9d%84-%eb%95%8c-%eb%b3%b4%ec%83%81%ec%9d%84-%eb%b0%9b%ea%b8%b0-%ec%9c%84\/","title":{"rendered":"\ub274\uc800\uc9c0\uc5d0\uc11c \ube91\uc18c\ub2c8 \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c: \ubcf4\uc0c1\uc744 \ubc1b\uae30 \uc704\ud55c \uc548\ub0b4"},"content":{"rendered":"<p>\ube91\uc18c\ub2c8 \uc0ac\uace0\ub294 \ud53c\ud574\uc790\uc5d0\uac8c \uc2e0\uccb4\uc801 \ubd80\uc0c1, \uc815\uc2e0\uc801 \uace0\ud1b5, \uc7ac\uc815\uc801 \ubd88\ud655\uc2e4\uc131\uc744 \uc548\uaca8\uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\ub294 \ubb34\uacfc\uc2e4 \ucc45\uc784 \ubcf4\ud5d8(no-fault insurance) \uc81c\ub3c4\ub97c \uc6b4\uc601\ud558\ub294 \uc8fc\ub85c, \uc774\ub7ec\ud55c \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c \uc790\uc2e0\uc758 \uad8c\ub9ac\uc640 \ubcf4\uc0c1 \uc635\uc158\uc744 \uc774\ud574\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc544\ub798\ub294 \uc0ac\uace0 \ud6c4 \ucde8\ud574\uc57c \ud560 \uc870\uce58\uc640 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ubc29\ubc95\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n<p><strong>\ube91\uc18c\ub2c8<\/strong> <strong>\uc0ac\uace0<\/strong> <strong>\ud6c4<\/strong> <strong>\uc989\uc2dc<\/strong> <strong>\ucde8\ud574\uc57c<\/strong> <strong>\ud560<\/strong> <strong>\uc870\uce58<\/strong><\/p>\n<ol>\n<li><strong>\uc548\uc804<\/strong> <strong>\ud655\ubcf4<\/strong> <strong>\ubc0f<\/strong> <strong>\uacbd\ucc30<\/strong> <strong>\uc2e0\uace0<\/strong>\n<ul>\n<li>\uac00\ub2a5\ud55c \uc548\uc804\ud55c \uc7a5\uc18c\ub85c \uc774\ub3d9\ud558\uace0 911\uc5d0 \uc804\ud654\ub97c \uac78\uc5b4 \uc0ac\uace0\ub97c \uc2e0\uace0\ud558\uc2ed\uc2dc\uc624. \uacbd\ucc30 \ubcf4\uace0\uc11c\ub294 \ubcf4\ud5d8 \uccad\uad6c\uc640 \ubc95\uc801 \uc808\ucc28\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc0ac\uace0<\/strong> <strong>\ud604\uc7a5<\/strong> <strong>\uae30\ub85d<\/strong>\n<ul>\n<li>\uc0ac\uace0 \ud604\uc7a5, \ubd80\uc0c1, \ucc28\ub7c9 \uc190\uc0c1 \ubc0f \uc8fc\ubcc0 \ud658\uacbd\uc758 \uc0ac\uc9c4\uc744 \ucc0d\uc73c\uc2ed\uc2dc\uc624.<\/li>\n<li>\ub3c4\uc8fc \ucc28\ub7c9\uc5d0 \ub300\ud55c \uc138\ubd80 \uc815\ubcf4\ub97c \uae30\ub85d\ud558\uc138\uc694. \ucc28\ub7c9\uc758 \ubaa8\ub378, \uc0c9\uc0c1, \ubc88\ud638\ud310 \uc77c\ubd80\ub77c\ub3c4 \uae30\uc5b5\ud55c\ub2e4\uba74 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ubaa9\uaca9\uc790<\/strong> <strong>\ud655\ubcf4<\/strong>\n<ul>\n<li>\uc0ac\uace0\ub97c \ubaa9\uaca9\ud55c \uc0ac\ub78c\ub4e4\uc758 \uc5f0\ub77d\ucc98\uc640 \uc9c4\uc220\uc744 \uc218\uc9d1\ud558\uc2ed\uc2dc\uc624. \ubaa9\uaca9\uc790\uc758 \uc9c4\uc220\uc740 \uadc0\ud558\uc758 \uc0ac\uac74\uc744 \uac15\ud654\ud558\ub294 \ub370 \uc911\uc694\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc758\ub8cc<\/strong> <strong>\uc870\uce58<\/strong> <strong>\ubc1b\uae30<\/strong>\n<ul>\n<li>\ubd80\uc0c1\uc774 \uacbd\ubbf8\ud574 \ubcf4\uc774\ub354\ub77c\ub3c4 \uc989\uc2dc \ubcd1\uc6d0\uc744 \ubc29\ubb38\ud574 \uce58\ub8cc\ub97c \ubc1b\uc73c\uc2ed\uc2dc\uc624. \uc758\ub8cc \uae30\ub85d\uc740 \ubcf4\ud5d8 \uccad\uad6c\uc5d0 \uc788\uc5b4 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc99d\uac70<\/strong> <strong>\uc218\uc9d1\uc744<\/strong> <strong>\uc704\ud55c<\/strong> <strong>\uc804\ubb38<\/strong> <strong>\uc9c0\uc6d0<\/strong> <strong>\ud65c\uc6a9<\/strong>\n<ul>\n<li>\uac10\uc2dc \uce74\uba54\ub77c \uc601\uc0c1\uc774\ub098 \ucd94\uac00 \uc11c\ub958\ub97c \uc218\uc9d1\ud558\ub294 \uc791\uc5c5\uc740 \uc2dc\uae30\uc801\uc808\ud558\uace0 \ubcf5\uc7a1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc95\ub960 \uc0ac\ubb34\uc18c\ub294 \uace0\uac1d\uc744 \ub300\uc2e0\ud558\uc5ec \uce74\uba54\ub77c \uc601\uc0c1\uc744 \uc694\uccad\ud558\uace0, \uc870\uc0ac\uad00\uacfc \ud611\ub825\ud574 \uc0ac\uac74\uc5d0 \ud544\uc694\ud55c \uc99d\uac70\ub97c \uc218\uc9d1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><strong>\ub274\uc800\uc9c0\uc5d0\uc11c<\/strong> <strong>\ube91\uc18c\ub2c8<\/strong> <strong>\ud53c\ud574\uc790\uc758<\/strong> <strong>\ubcf4\uc0c1<\/strong> <strong>\uc635\uc158<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc758 \ubb34\uacfc\uc2e4 \uc81c\ub3c4\uc5d0\uc11c\ub294 \uc758\ub8cc\ube44\uc640 \uae30\ud0c0 \uc190\ud574\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc774 \uc8fc\ub85c \uc790\uc2e0\uc758 \ubcf4\ud5d8 \uc815\ucc45\uc5d0\uc11c \uc81c\uacf5\ub429\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc8fc\uc694 \uacbd\ub85c\uc785\ub2c8\ub2e4.<\/p>\n<ol>\n<li><strong>\uac1c\uc778<\/strong> <strong>\uc0c1\ud574<\/strong> <strong>\ubcf4\ud638 <\/strong><strong>(P<\/strong><strong>ersonal <\/strong><strong>I<\/strong><strong>njury <\/strong><strong>P<\/strong><strong>rotection, PIP<\/strong><strong>) <\/strong><strong>\ubcf4\uc7a5<\/strong><\/li>\n<\/ol>\n<p>PIP\ub294 \uc0ac\uace0\uc758 \uacfc\uc2e4 \uc5ec\ubd80\uc640 \uc0c1\uad00\uc5c6\uc774 \ubcf8\uc778\uc758 \ubcf4\ud5d8\uc5d0\uc11c \uc758\ub8cc\ube44\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \ucc98\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ubcf4\uc7a5<\/strong> <strong>\ubc94\uc704<\/strong>: PIP\ub294 \ubcd1\uc6d0\ube44 \ubc0f \uc18c\ub4dd \uc190\uc2e4\uc744 \ubcf4\uc7a5\ud558\uba70, \uc774\ub294 \uc815\ucc45 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc801\uc6a9<\/strong> <strong>\uae30\uc900<\/strong>:\n<ul>\n<li>\ucc28\ub7c9 \uc18c\uc720\uc790\ub294 \uc790\uc2e0\uc758 PIP \uc815\ucc45\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<li>\ucc28\ub7c9\uc744 \uc18c\uc720\ud558\uc9c0 \uc54a\uace0 \uac00\uc871 \uc911 \ub204\uad70\uac00 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\ub2e4\uba74 \ud574\ub2f9 \uac00\uc871\uc758 PIP \uc815\ucc45\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc704\uc758 \ub450 \uac00\uc9c0\uac00 \ubaa8\ub450 \ud574\ub2f9\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0, \uc0ac\uace0 \ub2f9\uc2dc \ud0d1\uc2b9\ud55c \ucc28\ub7c9\uc758 PIP \ubcf4\uc7a5\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ol start=\"2\">\n<li><strong>\ubb34\ubcf4\ud5d8<\/strong> <strong>\uc6b4\uc804\uc790 <\/strong><strong>(U<\/strong><strong>ninsured <\/strong><strong>M<\/strong><strong>otorist, UM<\/strong><strong>) <\/strong><strong>\ubcf4\uc7a5<\/strong><\/li>\n<\/ol>\n<p>\uac00\ud574 \ucc28\ub7c9 \uc6b4\uc804\uc790\ub97c \uc2dd\ubcc4\ud560 \uc218 \uc5c6\ub294 \uacbd\uc6b0, UM \ubcf4\uc7a5\uc740 \ucd94\uac00\uc801\uc778 \uc190\ud574\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ubcf4\uc7a5<\/strong> <strong>\ub0b4\uc6a9<\/strong>: UM \ubcf4\uc7a5\uc740 \uace0\ud1b5\uacfc \uad34\ub85c\uc6c0 (Pain and Suffering), \ucc28\ub7c9 \uc190\uc0c1 \ubc0f \uae30\ud0c0 \ube44\uacbd\uc81c\uc801 \uc190\uc2e4\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc81c\ud55c<\/strong> <strong>\uc0ac\ud56d<\/strong>: UM \ubcf4\uc7a5\uc740 \uc758\ub8cc\ube44\ub098 \uc18c\ub4dd \uc190\uc2e4\uc744 \ud3ec\ud568\ud558\uc9c0 \uc54a\uc73c\uba70, \uc774\ub7ec\ud55c \ud56d\ubaa9\uc740 PIP\uc5d0\uc11c \ucc98\ub9ac\ub429\ub2c8\ub2e4. UM \ubcf4\uc0c1\uc740 \ubcf8\uc778\uc758 UM \uc815\ucc45 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li><strong>\uc758\ub8cc\ube44<\/strong> <strong>\uc5f0\uae30 <\/strong><strong>(Letter of Protection, LOP)<\/strong><\/li>\n<\/ol>\n<p>PIP \ud61c\ud0dd\uc774 \uc18c\uc9c4\ub418\uc5c8\uace0 \ucd94\uac00\uc801\uc778 \uce58\ub8cc\uac00 \ud544\uc694\ud55c \uacbd\uc6b0, \uc758\ub8cc \uc81c\uacf5\uc790\ub294 LOP\ub97c \ud1b5\ud574 \uce58\ub8cc\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uc9c0\ubd88<\/strong> <strong>\uc5f0\uae30<\/strong>: \uce58\ub8cc\ube44 \uc9c0\ubd88\uc740 \uc0ac\uac74 \ud574\uacb0 \ud6c4\ub85c \uc5f0\uae30\ub429\ub2c8\ub2e4.<\/li>\n<li><strong>\uc815\uc0b0<\/strong> <strong>\uc790\uae08<\/strong> <strong>\ud65c\uc6a9<\/strong>: \ubc1c\uc0dd\ud55c \uc758\ub8cc\ube44\ub294 \ud569\uc758 \uae08\uc561\uc5d0\uc11c \uc9c0\uae09\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\ucc28\ub7c9<\/strong> <strong>\uc190\uc0c1<\/strong> <strong>\ubcf5\uad6c<\/strong><\/p>\n<p>\ube91\uc18c\ub2c8 \uc0ac\uace0\ub85c \ucc28\ub7c9\uc774 \uc190\uc0c1\ub41c \uacbd\uc6b0 \ubcf4\uc0c1 \uc635\uc158\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<ol>\n<li><strong>\ucda9\ub3cc<\/strong> <strong>\ubcf4\uc7a5<\/strong><strong>(Collision Coverage) <\/strong><strong>\ud65c\uc6a9<\/strong>\n<ul>\n<li>\ucda9\ub3cc \ubcf4\uc7a5\uc774 \uc788\ub294 \uacbd\uc6b0, \ubcf4\ud5d8\uc0ac\uac00 \uc218\ub9ac \ube44\uc6a9\uc744 \uc9c0\uae09\ud558\uba70, \uacf5\uc81c\uc561\uc740 \ubcf8\uc778\uc774 \ubd80\ub2f4\ud569\ub2c8\ub2e4.<\/li>\n<li>\ubcf4\ud5d8\uc0ac\ub294 \uac00\ud574\uc790\uc758 \ucc45\uc784 \ubcf4\ud5d8\uc5d0\uc11c \ube44\uc6a9\uc744 \ud68c\uc218\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uac00\ud574\uc790\uac00 \ubc1c\uacac\ub41c \uacbd\uc6b0).<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uac00\ud574\uc790\uc758<\/strong> <strong>\ucc45\uc784<\/strong> <strong>\ubcf4\ud5d8\uc744<\/strong> <strong>\ud1b5\ud55c<\/strong> <strong>\ubcf4\uc0c1<\/strong>\n<ul>\n<li>\uac00\ud574 \ucc28\ub7c9\uc774 \ud655\uc778\ub418\uba74, \uadf8\ub4e4\uc758 \ucc45\uc784 \ubcf4\ud5d8\uc774 \uc815\ucc45 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \ucc28\ub7c9 \uc218\ub9ac \ube44\uc6a9\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><strong>\uac00\ud574<\/strong> <strong>\ucc28\ub7c9<\/strong> <strong>\uc6b4\uc804\uc790\uac00<\/strong> <strong>\ud655\uc778\ub41c<\/strong> <strong>\uacbd\uc6b0<\/strong><\/p>\n<p>\uac00\ud574\uc790\uac00 \ud655\uc778\ub418\uba74, \uadf8\ub4e4\uc758 \ucc45\uc784 \ubcf4\ud5d8\uc744 \ud1b5\ud574 \ub2e4\uc74c\uc758 \ubcf4\uc0c1\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uc758\ub8cc\ube44<\/strong>: PIP \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \ube44\uc6a9\uc740 \uac00\ud574\uc790\uc758 \uc2e0\uccb4 \uc0c1\ud574(BI) \ucc45\uc784 \ubcf4\ud5d8\uc5d0\uc11c \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uace0\ud1b5\uacfc<\/strong> <strong>\uad34\ub85c\uc6c0<\/strong><strong> (<\/strong><strong>Pain and Suffering<\/strong><strong>)<\/strong>: \ubd80\uc0c1\uc774 \ub274\uc800\uc9c0\uc758 \uc601\uad6c\uc801 \ubd80\uc0c1 \uae30\uc900\uc744 \ucda9\uc871\ud558\uba74, \uac10\uc815\uc801 \uace0\ud1b5\uc774\ub098 \uc7a5\uae30\uc801 \uc2e0\uccb4\uc801 \uc190\uc0c1\uc5d0 \ub300\ud574 \ubcf4\uc0c1\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ucc28\ub7c9<\/strong> <strong>\uc190\uc0c1<\/strong>: \uadf8\ub4e4\uc758 \ucc45\uc784 \ubcf4\ud5d8\uc774 \uc218\ub9ac \ube44\uc6a9\uc744 \uc9c1\uc811 \uc9c0\uae09\ud558\uac70\ub098, \uadc0\ud558\uc758 \ucda9\ub3cc \ubcf4\uc7a5 \ube44\uc6a9\uc744 \ud658\uae09\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uac00\ud574\uc790\uc758 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \ubd80\uc871\ud55c \uacbd\uc6b0, \uadc0\ud558\uc758 Underinsured Motorist (UIM) \ubcf4\uc7a5\uc744 \ud1b5\ud574 \ucd94\uac00 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \uc774\ub294 UIM \uc815\ucc45 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ube91\uc18c\ub2c8<\/strong> <strong>\uc0ac\uace0\uc5d0\uc11c<\/strong> <strong>\ubc95\uc801<\/strong> <strong>\ub300\ub9ac\uc778\uc758<\/strong> <strong>\uc911\uc694\uc131<\/strong><\/p>\n<p>\ube91\uc18c\ub2c8 \uc0ac\uace0\ub97c \ud63c\uc790 \ud574\uacb0\ud558\ub294 \uac83\uc740 \uc0c1\ub2f9\ud788 \uc5b4\ub824\uc6b4 \uacfc\uc815\uc744 \uc218\ubc18\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ubc95\uc801 \uc808\ucc28\uc640 \ubcf4\ud5d8 \uccad\uad6c \uacfc\uc815\uc744 \uc798 \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uba74 \uc801\uc808\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f4 \ub54c \uc0ac\uace0 \uc0c1\ud574 \ubcc0\ud638\uc0ac\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uc0ac\uace0 \ud604\uc7a5\uc5d0\uc11c \ud655\ubcf4\ub41c \uc99d\uac70\ub97c \uae30\ubc18\uc73c\ub85c CCTV \uc601\uc0c1 \uc694\uccad\uc774\ub098 \ubaa9\uaca9\uc790 \uc9c4\uc220 \uc218\uc9d1\uc744 \ud1b5\ud574 \uc0ac\uac74\uc758 \uc804\ub9d0\uc744 \ud30c\uc545\ud569\ub2c8\ub2e4.<\/li>\n<li>\ubcf4\ud5d8\uc0ac\uc640 \ud611\uc0c1\ud558\uc5ec \uc801\uc815 \ubcf4\uc0c1\uc561\uc744 \ucd5c\ub300\ud55c \ud655\ubcf4\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/li>\n<li>UM\uccad\uad6c\ub97c \ud3ec\ud568\ud574 \ubaa8\ub4e0 \uac00\ub2a5\ud55c \ubcf4\uc0c1 \uc635\uc158\uc744 \uac80\ud1a0\ud558\uace0 \ud65c\uc6a9\ud558\uc5ec \ucd5c\uc0c1\uc758 \uacb0\uacfc\ub97c \ub3c4\ucd9c\ud569\ub2c8\ub2e4<\/li>\n<\/ul>\n<p><strong>\uacb0\ub860<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc5d0\uc11c \ube91\uc18c\ub2c8 \uc0ac\uace0\ub97c \ub2f9\ud55c \uacbd\uc6b0, PIP, UM, \ubc0f \uae30\ud0c0 \uc790\uc6d0\uc744 \ud65c\uc6a9\ud558\uc5ec \uc758\ub8cc\ube44, \uace0\ud1b5\uacfc \uad34\ub85c\uc6c0, \ucc28\ub7c9 \uc190\uc0c1\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc95\uc801 \ub300\ub9ac\uc778\uc744 \ud1b5\ud574 \uc808\ucc28\ub97c \uc9c4\ud589\ud558\uba74 \ub354 \ub098\uc740 \uacb0\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong><em>\uba74\ucc45<\/em><\/strong> <strong><em>\uc870\ud56d<\/em><\/strong><em>: <\/em><em>\ubcf8<\/em> <em>\uce7c\ub7fc\uc740<\/em> <em>\uc815\ubcf4<\/em> <em>\uc81c\uacf5\uc744<\/em> <em>\ubaa9\uc801\uc73c\ub85c<\/em> <em>\ud558\uba70<\/em><em>, <\/em><em>\ubc95\uc801<\/em> <em>\uc870\uc5b8\uc774<\/em> <em>\uc544\ub2d9\ub2c8\ub2e4<\/em><em>. <\/em><em>\uac1c\uc778\ud654\ub41c<\/em> <em>\ubc95\uc801<\/em> <em>\uc9c0\uc6d0\uc774<\/em> <em>\ud544\uc694\ud558\uc2e0<\/em> <em>\uacbd\uc6b0<\/em><em>, <\/em><strong><em>\uc1a1\ub3d9\ud638<\/em><\/strong> <strong><em>\uc885\ud569\ub85c\ud38c<\/em><\/strong><em>(201-461-0031)<\/em><em>\uc73c\ub85c<\/em> <em>\uc804\ud654\ud558\uac70\ub098<\/em> <strong><em>pi@songlawfirm.com<\/em><\/strong><em>\uc73c\ub85c<\/em> <em>\uc774\uba54\uc77c\uc744<\/em> <em>\ubcf4\ub0b4\uc8fc\uc2dc\uae30<\/em> <em>\ubc14\ub78d\ub2c8\ub2e4<\/em><em>.<\/em><\/p>\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe title=\"\ub274\uc800\uc9c0\uc5d0\uc11c \ube91\uc18c\ub2c8 \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c: \ubcf4\uc0c1\uc744 \ubc1b\ub294 \ubc29\ubc95\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/sJlELHd-ApU?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<p><a href=\"https:\/\/songlawfirm.com\/ko\/%EC%B9%B4%ED%85%8C%EA%B3%A0%EB%A6%AC\/%ec%84%b1%ea%b3%b5%ec%82%ac%eb%a1%80\/%ec%82%ac%ea%b3%a0-%ec%83%81%ed%95%b4\/\">\uad50\ud1b5\uc0ac\uace0 \uad00\ub828 \uc131\uacf5\uc0ac\ub840<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ube91\uc18c\ub2c8 \uc0ac\uace0\ub294 \ud53c\ud574\uc790\uc5d0\uac8c \uc2e0\uccb4\uc801 \ubd80\uc0c1, \uc815\uc2e0\uc801 \uace0\ud1b5, \uc7ac\uc815\uc801 \ubd88\ud655\uc2e4\uc131\uc744 \uc548\uaca8\uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\ub294 \ubb34\uacfc\uc2e4 \ucc45\uc784 \ubcf4\ud5d8(no-fault insurance) \uc81c\ub3c4\ub97c \uc6b4\uc601\ud558\ub294 \uc8fc\ub85c, \uc774\ub7ec\ud55c \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c \uc790\uc2e0\uc758 \uad8c\ub9ac\uc640 \ubcf4\uc0c1 \uc635\uc158\uc744 \uc774\ud574\ud558\ub294 \uac83\uc774 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21267,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","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":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","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 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[356,388],"tags":[2516,2817,605,692,604],"class_list":["post-21270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category---columns","tag-nj-ko","tag-pip-ko","tag-605","tag-hit-and-run-ko","tag-accident-ko"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ub274\uc800\uc9c0\uc5d0\uc11c \ube91\uc18c\ub2c8 \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c: \ubcf4\uc0c1\uc744 \ubc1b\uae30 \uc704\ud55c \uc548\ub0b4<\/title>\n<meta name=\"description\" content=\"\ube91\uc18c\ub2c8 \uc0ac\uace0\ub294 \ud53c\ud574\uc790\uc5d0\uac8c \uc2e0\uccb4\uc801 \ubd80\uc0c1, \uc815\uc2e0\uc801 \uace0\ud1b5, 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