{"id":22218,"date":"2025-05-02T00:46:08","date_gmt":"2025-05-02T04:46:08","guid":{"rendered":"https:\/\/songlawfirm.com\/%eb%89%b4%ec%a0%80%ec%a7%80-um-uim-%eb%b3%b4%ec%9e%a5-%eb%ac%b4%eb%b3%b4%ed%97%98-%eb%b0%8f-%eb%b3%b4%ec%9e%a5-%eb%b6%80%ec%a1%b1-%ec%9a%b4%ec%a0%84%ec%9e%90-%ec%82%ac%ea%b3%a0-%ec%96%b4%eb%96%bb\/"},"modified":"2025-05-02T00:46:08","modified_gmt":"2025-05-02T04:46:08","slug":"%eb%89%b4%ec%a0%80%ec%a7%80-um-uim-%eb%b3%b4%ec%9e%a5-%eb%ac%b4%eb%b3%b4%ed%97%98-%eb%b0%8f-%eb%b3%b4%ec%9e%a5-%eb%b6%80%ec%a1%b1-%ec%9a%b4%ec%a0%84%ec%9e%90-%ec%82%ac%ea%b3%a0-%ec%96%b4%eb%96%bb","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80-um-uim-%eb%b3%b4%ec%9e%a5-%eb%ac%b4%eb%b3%b4%ed%97%98-%eb%b0%8f-%eb%b3%b4%ec%9e%a5-%eb%b6%80%ec%a1%b1-%ec%9a%b4%ec%a0%84%ec%9e%90-%ec%82%ac%ea%b3%a0-%ec%96%b4%eb%96%bb\/","title":{"rendered":"\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?"},"content":{"rendered":"<p><strong>\u2160.<\/strong> <strong>\uc65c<\/strong><strong> UM\/UIM <\/strong><strong>\ubcf4\uc7a5\uc774<\/strong> <strong>\uc911\uc694\ud55c\uac00<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\ub294 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785\uc774 \ubc95\uc801\uc73c\ub85c \uc758\ubb34\uc778 \uc8fc\uc774\uc9c0\ub9cc, \uc5ec\uc804\ud788 \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\uac00 \uc874\uc7ac\ud558\uace0, \uc77c\ubd80 \uc6b4\uc804\uc790\ub294 \ubcf4\ud5d8\uc744 \ub4e4\uc5c8\ub354\ub77c\ub3c4 \uadf8 \ubcf4\uc7a5 \ud55c\ub3c4\uac00 \ub108\ubb34 \ub0ae\uc544 \uc0c1\ub300\ubc29\uc758 \uc190\ud574\ub97c \ubaa8\ub450 \ubcf4\uc0c1\ud558\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \ub274\uc800\uc9c0 \uc6b4\uc804\uc790\uc758 \uc57d 3 \u2013 4%\uac00 \ubb34\ubcf4\ud5d8 \uc0c1\ud0dc\uc774\uba70, \uc774\ub294 \uc804\uad6d \ud3c9\uade0\uc778 12 \u2013 14% \ubcf4\ub2e4\ub294 \ub0ae\uc9c0\ub9cc, \uc5ec\uc804\ud788 \ubb34\uc2dc\ud560 \uc218 \uc5c6\ub294 \uc218\uce58\uc785\ub2c8\ub2e4. \uc0ac\uace0\ub294 \uc608\uace0 \uc5c6\uc774 \ucc3e\uc544\uc624\uba70, \ub9cc\uc57d \uc0c1\ub300\ubc29\uc774 \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\ub77c\uba74 \uc790\uc2e0\uc758 \uc190\ud574\ub97c \uc804\ud600 \ubcf4\uc0c1\ubc1b\uc9c0 \ubabb\ud560 \uc704\ud5d8\uc774 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub54c \ud544\uc694\ud55c \uac83\uc774 \ubc14\ub85c <strong>UM(Uinsured Motorist)<\/strong>\uc640 <strong>UIM(Underinsured Motorist)<\/strong> \ubcf4\uc7a5\uc785\ub2c8\ub2e4. UM\/UIM\uc740 \ub0b4 \uc790\uc2e0\uacfc \uac00\uc871, \uadf8\ub9ac\uace0 \ub3d9\uc2b9\uc790\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud55c \uc911\uc694\ud55c \uc548\uc804\uc7a5\uce58\uc785\ub2c8\ub2e4. \uc0c1\ub300\ubc29 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc774 \uc544\uc608 \uc5c6\uac70\ub098(UM), \ud639\uc740 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \ubd80\uc871\ud560 \uacbd\uc6b0(UIM) \ub0b4 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \uadf8 \ubd80\uc871\ubd84\uc744 \uc9c0\uae09\ud574\uc8fc\ub294 \ubc29\uc2dd\uc73c\ub85c \uc791\ub3d9\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\u2161. UM\/UIM <\/strong><strong>\ubcf4\uc7a5\uc758<\/strong> <strong>\uae30\ubcf8<\/strong> <strong>\uac1c\ub150<\/strong><\/p>\n<ul>\n<li><strong>UM(Uninsured Motorist) <\/strong><strong>\ubcf4\uc7a5<\/strong>: \uc0c1\ub300\ubc29 \uc6b4\uc804\uc790\uac00 \ubb34\ubcf4\ud5d8 \uc0c1\ud0dc\ub85c \ud310\uba85\ub418\uc5c8\uc744 \ub54c, \ub0b4\uac00 \uc785\uc740 \uc190\ud574(\uc0c1\ud574, \uc7ac\uc0b0 \ud53c\ud574 \ub4f1)\ub97c \ub0b4 \ubcf4\ud5d8\uc0ac\ub97c \ud1b5\ud574 \ubcf4\uc0c1\ubc1b\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uc0c1\ub300\ubc29 \ubcf4\ud5d8\uc774 \uc5c6\ub294 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \ucd5c\uc18c\ud55c\uc758 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uace0\uc548\ub41c \uac83\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>UIM(Underinsured Motorist) <\/strong><strong>\ubcf4\uc7a5<\/strong>: \uc0c1\ub300\ubc29\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uae30\ub294 \ud558\uc9c0\ub9cc, \uadf8 \ud55c\ub3c4\uac00 \ub0b4\uac00 \uc785\uc740 \ud53c\ud574\uc561\uc5d0 \ube44\ud574 \ud131\uc5c6\uc774 \ubd80\uc871\ud560 \uacbd\uc6b0, \ub0b4\uac00 \uac00\uc785\ud574 \ub454 UIM \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \ubaa8\uc790\ub77c\ub294 \ubd80\ubd84\uc744 \ucd94\uac00\ub85c \ubcf4\uc804\ud560 \uc218 \uc788\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc0c1\ub300\ubc29 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 5\ub9cc \ub2ec\ub7ec\uc774\uace0 \ub0b4 \uc190\ud574\uc561\uc774 10\ub9cc \ub2ec\ub7ec\ub77c\uba74, \ub0a8\uc740 5\ub9cc \ub2ec\ub7ec\uc5d0 \ub300\ud574\uc11c \ub0b4\uac00 \uac00\uc785\ud55c UIM \ubcf4\uc7a5\uc73c\ub85c \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacb0\uad6d \ub0b4 \ubcf4\ud5d8\uc0ac\uac00 \u201c\uac00\ud574\uc790 \ubcf4\ud5d8\uc0ac \uc5ed\ud560\uc744 \ub300\uc2e0\u201d \ud558\uac8c \ub41c\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4.<\/p>\n<p><strong>\u2162. <\/strong><strong>\ub274\uc800\uc9c0<\/strong> <strong>\uc790\ub3d9\ucc28<\/strong> <strong>\ubcf4\ud5d8\uc758<\/strong> <strong>\uae30\ubcf8<\/strong> <strong>\uad6c\uc870<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc8fc\uc5d0\uc11c\ub294 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785 \uc2dc, \ub2e4\uc74c\uacfc \uac19\uc740 \ucd5c\uc18c\ud55c\uc758 \ubcf4\uc7a5\uc744 \uc758\ubb34\uc801\uc73c\ub85c \uac16\ucdb0\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<ol>\n<li><strong>Bodily Injury(BI) Liability<\/strong>: \ubcf4\ud1b5 \uc0ac\uace0\ub2f9 \ucd5c\uc18c 1\uc778\ub2f9 15,000\ub2ec\ub7ec, \uc0ac\uace0\ub2f9 30,000\ub2ec\ub7ec<\/li>\n<li><strong>Property Damage(PD) Liability<\/strong>: \uc0ac\uace0\ub2f9 5,000\ub2ec\ub7ec<\/li>\n<li><strong>Personal Injury Protection(PIP)<\/strong>: \ucd5c\uc18c 15,000\ub2ec\ub7ec<\/li>\n<\/ol>\n<p>\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \uae30\ubcf8 \ud55c\ub3c4\ub9cc\uc73c\ub85c\ub294 \uc2ec\uac01\ud55c \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c \ucda9\ubd84\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0c1\ub300\ubc29 \uc6b4\uc804\uc790\uac00 \uc774 \ucd5c\uc800 \ud55c\ub3c4\ub9cc \uac00\uc785\ud588\uac70\ub098, \uc2ec\uc9c0\uc5b4 \ubcf4\ud5d8\uc774 \uc5c6\ub294 \uacbd\uc6b0\ub77c\uba74, \ud53c\ud574\uc790\ub294 \uc801\uc808\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc9c0 \ubabb\ud560 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \uc774\ub54c UM\/UIM\uc774 \u201c\ub0b4 \ubcf4\ud5d8\u201d\uc73c\ub85c\ubd80\ud130 \ucd94\uac00 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uae38\uc744 \uc5f4\uc5b4\uc90d\ub2c8\ub2e4.<\/p>\n<p><strong>\u2163. <\/strong><strong>\ubb34\ubcf4\ud5d8<\/strong><strong>\u00b7<\/strong><strong>\ubcf4\uc7a5<\/strong> <strong>\ubd80\uc871<\/strong> <strong>\uc0ac\uace0\uac00<\/strong> <strong>\uc0dd\uac01\ubcf4\ub2e4<\/strong> <strong>\ud754\ud55c<\/strong> <strong>\uc774\uc720<\/strong><\/p>\n<ol>\n<li><strong>\uc7ac\uc815\uc801<\/strong> <strong>\uc774\uc720<\/strong>: \ubcf4\ud5d8\ub8cc\ub97c \uc544\ub07c\ub824\uace0 \ubc95\uc815 \ucd5c\uc800\ud55c\ub3c4\ub9cc \uac00\uc785\ud558\ub294 \uc6b4\uc804\uc790\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc778\uc2dd<\/strong> <strong>\ubd80\uc871<\/strong>: \ubcf4\ud5d8\uc774 \uc758\ubb34\ub77c\uace0\ub294 \ud558\uc9c0\ub9cc, \ubcf4\ud5d8\ub8cc \ub0a9\ubd80\uac00 \ubc84\uac70\uc6b4 \uacbd\uc6b0, \uc544\uc608 \ubcf4\ud5d8 \uac00\uc785\uc744 \ud3ec\uae30\ud574\ubc84\ub9ac\ub294 \uc774\ub4e4\ub3c4 \uc5ec\uc804\ud788 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc678\ubd80<\/strong> <strong>\uc694\uc778<\/strong>: \uacbd\uc81c \uc0ac\uc815\uc774 \uc5b4\ub824\uc6cc\uc9c0\uac70\ub098 \uc77c\uc2dc\uc801\uc73c\ub85c \uba74\ud5c8\uac00 \uc815\uc9c0\ub41c \uc0c1\ud0dc\uc778\ub370\ub3c4 \uc6b4\uc804\uc744 \uacc4\uc18d\ud558\ub294 \uacbd\uc6b0 \ub4f1, \ub2e4\uc591\ud55c \uc6d0\uc778\uc774 \ubcf5\ud569\uc801\uc73c\ub85c \uc791\uc6a9\ud574 \ubb34\ubcf4\ud5d8 \uc0c1\ud0dc\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p>\uacb0\uad6d, \ubc95\uc801\uc73c\ub85c \uc758\ubb34\uac00 \uc788\ub2e4 \ud574\ub3c4 \uc644\uc804\ud788 \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\ub97c \uadfc\uc808\ud558\uae30\ub294 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uadf8\ub807\uae30\uc5d0 UM\/UIM \ubcf4\uc7a5 \uac00\uc785 \uc5ec\ubd80\uc640 \ud55c\ub3c4\uac00 \ub354\uc6b1 \uc911\uc694\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<p><strong>\u2164. <\/strong><strong>\uc2a4\ud15d\ub2e4\uc6b4<\/strong><strong>(Step-Down) <\/strong><strong>\uc870\ud56d\uc774\ub780<\/strong> <strong>\ubb34\uc5c7\uc778\uac00<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0\ub294 \uc885\uc885 \uc2a4\ud15d\ub2e4\uc6b4(Step-Down) \uc870\ud56d\uc774\ub77c\ub294 \ubb38\uad6c\uac00 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \u201c\ubcf4\ud5d8 \uac00\uc785\uc790\uac00 \uc544\ub2cc \uac00\uc871 \uad6c\uc131\uc6d0\uc774 \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c \ubcf4\uc7a5 \ud55c\ub3c4\uac00 \uc81c\ud55c\ub41c\ub2e4\u201d\ub294 \ub0b4\uc6a9\uc744 \ub2f4\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300, \ubcf8\uc778(\ud53c\ubcf4\ud5d8\uc790)\uc740 UM\/UIM \ud55c\ub3c4\uac00 10\ub9cc \ub2ec\ub7ec\uc778\ub370, \ubc30\uc6b0\uc790\ub098 \uc790\ub140, \ud639\uc740 \ud568\uaed8 \uac70\uc8fc\ud558\ub294 \uac00\uc871\uc758 UM\/UIM \ud55c\ub3c4\ub294 \uadf8\ubcf4\ub2e4 \ud6e8\uc52c \ub0ae\uc740 \uae08\uc561\uc73c\ub85c \u2018\ub2e8\uacc4\uc801\uc73c\ub85c \ub0b4\ub824\uac00\ub294\u2019 \ud615\ud0dc\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\ucd5c\uadfc \ud310\ub840\uc5d0 \ub530\ub974\uba74, \uc77c\ubd80 \uc2a4\ud15d\ub2e4\uc6b4 \uc870\ud56d\uc774 \uacfc\ub3c4\ud558\uac8c \uc801\uc6a9\ub418\uc9c0 \ubabb\ud558\ub3c4\ub85d \uc81c\ud55c\ud55c \uc0ac\ub840\uac00 \uc788\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uc57d\uad00 \uc870\ud56d \uc790\uccb4\uac00 \uc874\uc7ac\ud560 \uacbd\uc6b0 \uac00\uc871\uc774 \ucda9\ubd84\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uae30 \uc5b4\ub835\uac8c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uac00\uc871 \uc804\uccb4\uc758 \uc548\uc804\uc744 \uc704\ud574\uc11c\ub294 \uc2a4\ud15d\ub2e4\uc6b4 \uc870\ud56d\uc774 \ub4e4\uc5b4\uc788\ub294\uc9c0 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uace0, \ud544\uc694\ud55c \uacbd\uc6b0 \uc774\ub97c \uc5c6\uc560\uac70\ub098 \ub354 \uc720\ub9ac\ud55c \uc870\uac74\uc73c\ub85c \uc7ac\uc124\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\u2165. UM\/UIM <\/strong><strong>\uccad\uad6c<\/strong> <strong>\uc808\ucc28\uac00<\/strong> <strong>\ubcf5\uc7a1\ud55c<\/strong> <strong>\uc774\uc720<\/strong><\/p>\n<p>\uc77c\ubc18\uc801\uc73c\ub85c \ub0b4\uac00 \uac00\ud574\uc790\ub97c \uc0c1\ub300\ub85c \uc9c1\uc811 \uccad\uad6c\ud558\ub294 \ubc30\uc0c1 \uccad\uad6c\ub294 \uc0c1\ub300\ubc29 \ubcf4\ud5d8\uc0ac\uac00 \ucc45\uc784\uc744 \uc778\uc815\ud558\uba74 \ube44\uad50\uc801 \ub2e8\uc21c\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 UM\/UIM \uccad\uad6c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ub2e8\uacc4\ub97c \uac70\uccd0\uc57c \ud558\ubbc0\ub85c \ud6e8\uc52c \ubcf5\uc7a1\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<ol>\n<li><strong>\uc0c1\ub300\ubc29\uc758<\/strong> <strong>\ubcf4\ud5d8<\/strong> <strong>\ud55c\ub3c4<\/strong> <strong>\ud655\uc778<\/strong>: \uc6b0\uc120 \uc0c1\ub300\ubc29\uc774 \ubb34\ubcf4\ud5d8 \uc0c1\ud0dc\uc778\uc9c0, \ud639\uc740 \uac00\uc785\uc740 \ud588\uc73c\ub098 \ud55c\ub3c4\uac00 \ubd80\uc871\ud55c\uc9c0 \uba85\ud655\ud788 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ub0b4<\/strong> <strong>\uc190\ud574\uc561<\/strong> <strong>\uc0b0\uc815<\/strong>: \uce58\ub8cc\ube44, \uc7ac\ud65c\ube44, \uc218\ub9ac\ube44, \ud1b5\uc6d0\ube44, \ud734\uc5c5 \uc190\uc2e4, \ud1b5\uc99d\uacfc \uace0\ud1b5(Pain and Suffering) \ub4f1 \ub2e4\uc591\ud55c \ud56d\ubaa9\uc744 \uc138\ubc00\ud558\uac8c \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ud611\uc0c1\uacfc<\/strong> <strong>\uc911\uc7ac<\/strong><strong>(Arbitration)<\/strong>: \ub0b4 \ubcf4\ud5d8\uc0ac\uc640 \ubcf4\uc0c1\uc561\uc744 \ub193\uace0 \ud611\uc0c1\uc744 \uc9c4\ud589\ud574\uc57c \ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubb34\ubcf4\ud5d8\u00b7\ubcf4\uc7a5 \ubd80\uc871 \uccad\uad6c\ub77c\uace0 \ud574\uc11c \ub0b4 \ubcf4\ud5d8\uc0ac\uac00 \ud56d\uc0c1 \uc804\uc561\uc744 \uc21c\uc21c\ud788 \uc9c0\uae09\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/li>\n<li><strong>\uc18c\uc1a1<\/strong> <strong>\uac00\ub2a5\uc131<\/strong>: \ud611\uc0c1\uacfc \uc911\uc7ac\ub85c \ud569\uc758\uac00 \ub418\uc9c0 \uc54a\uc73c\uba74, \uacb0\uad6d \uc18c\uc1a1\uc73c\ub85c \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\ub3c4 \ubc30\uc81c\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p>\uc774 \ubaa8\ub4e0 \uacfc\uc815\uc744 \ud53c\ud574\uc790 \uac1c\uc778\uc774 \uc9c1\uc811 \uac10\ub2f9\ud558\uae30\uc5d0\ub294 \uc5b4\ub824\uc6c0\uc774 \ud07d\ub2c8\ub2e4. \uadf8\ub798\uc11c \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc0ac\uace0\uc0c1\ud574 \uc804\ubb38 \ubcc0\ud638\uc0ac\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc544 \uc815\ud655\ud55c \uc190\ud574\uc561\uc744 \uc0b0\uc815\ud558\uace0, \ubcf5\uc7a1\ud55c \uccad\uad6c \uc808\ucc28\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \uc9c4\ud589\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\u2166. UM\/UIM <\/strong><strong>\ubcf4\uc7a5\uc758<\/strong> <strong>\uc2e4\uc81c<\/strong> <strong>\uc801\uc6a9<\/strong> <strong>\uc0ac\ub840<\/strong><\/p>\n<ul>\n<li><strong>\uc0ac\ub840<\/strong><strong> 1: <\/strong><strong>\ubb34\ubcf4\ud5d8<\/strong> <strong>\uac00\ud574\uc790\uc640\uc758<\/strong> <strong>\ucda9\ub3cc<\/strong><br \/>\n\uae40\uc528\ub294 \uc9c1\uc7a5\uc5d0\uc11c \ud1f4\uadfc\ud558\ub358 \uc911 \uc2e0\ud638\ub97c \uc704\ubc18\ud55c \ucc28\ub7c9\uacfc \ucda9\ub3cc\ud574 \uc911\uc0c1\uc744 \uc785\uc5c8\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \ud6c4 \uc0c1\ub300\ubc29\uc774 \ubcf4\ud5d8\uc774 \uc804\ud600 \uc5c6\ub294 \uac83\uc73c\ub85c \ub4dc\ub7ec\ub098, \uae40\uc528\ub294 <strong>UM <\/strong><strong>\ubcf4\uc7a5<\/strong>\uc744 \ud1b5\ud574 \uce58\ub8cc\ube44 \ubc0f \uc218\ub9ac\ube44 \uc77c\ubd80\ub97c \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc0ac\ub840<\/strong><strong> 2: <\/strong><strong>\ucd5c\uc800\ud55c\ub3c4\ub9cc<\/strong> <strong>\uac00\uc785\ud55c<\/strong> <strong>\uc6b4\uc804\uc790\uc640\uc758<\/strong> <strong>\uc0ac\uace0<\/strong><br \/>\n\ubc15\uc528\ub294 \uad50\ucc28\ub85c\uc5d0\uc11c \uc0ac\uace0\uac00 \ub0ac\ub294\ub370, \uc0c1\ub300\ubc29\uc758 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 15,000\ub2ec\ub7ec\uc5d0 \ubd88\uacfc\ud588\uc2b5\ub2c8\ub2e4. \ubc15\uc528\uc758 \uc0c1\ud574 \uaddc\ubaa8\uac00 50,000\ub2ec\ub7ec \uc0c1\ub2f9\uc774\uc5c8\uc73c\ubbc0\ub85c, \ubd80\uc871\ud55c 35,000\ub2ec\ub7ec\ub97c \ubc15\uc528\uac00 \uac00\uc785\ud55c <strong>UIM <\/strong><strong>\ubcf4\uc7a5<\/strong>\uc73c\ub85c \ucd94\uac00 \uccad\uad6c\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc774\ucc98\ub7fc UM\/UIM \ubcf4\uc7a5\uc774 \uc788\ub294\uc9c0\uc640 \uadf8 \ud55c\ub3c4\uac00 \ucda9\ubd84\ud55c\uc9c0\uc5d0 \ub530\ub77c \uc2e4\uc81c \ubcf4\uc0c1 \uae08\uc561\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<p><strong>\u2167. <\/strong><strong>\uc5b4\ub290<\/strong> <strong>\uc815\ub3c4\uc758<\/strong><strong> UM\/UIM <\/strong><strong>\ud55c\ub3c4\uac00<\/strong> <strong>\uc801\uc808\ud55c\uac00<\/strong><\/p>\n<p>\uac1c\uc778\ubcc4\ub85c \uc0c1\ud669\uc774 \ub2e4\ub97c \uc218 \uc788\uc73c\ub098, \uc758\ub8cc\ube44\uc640 \ucc28\ub7c9 \uc190\uc0c1, \ud1b5\uc6d0 \ube44\uc6a9 \ubc0f \uc18c\ub4dd \uc190\uc2e4 \ub4f1\uc744 \uace0\ub824\ud558\uba74 <strong>\ucd5c\uc18c<\/strong><strong> 100,000<\/strong><strong>\ub2ec\ub7ec<\/strong> \uc774\uc0c1\uc758 UM\/UIM\uc744 \uad8c\uc7a5\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uac00\uc871\uc774 \uc5ec\ub7ec \uba85\uc774\uac70\ub098, \uc7a5\uae30\uc801\uc778 \uce58\ub8cc\uac00 \ud544\uc694\ud55c \ubd80\uc0c1\uc744 \ub300\ube44\ud558\ub824\uba74 \ub354 \ub192\uc740 \ud55c\ub3c4\ub97c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, <strong>PIP<\/strong>(Personal Injury Protection)\uc640\uc758 \uc5f0\uacc4 \ubcf4\uc7a5 \ubc29\uc2dd\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. PIP\ub294 \ub0b4 \uc758\ub8cc\ube44\ub97c \uba3c\uc800 \ubcf4\uc0c1\ud558\ub294 \uae30\ucd08 \ubcf4\ud5d8\uc774\uc9c0\ub9cc, \uc911\ub300\ud55c \ubd80\uc0c1\uc77c \uacbd\uc6b0 \uae08\uc561\uc774 \uc27d\uac8c \ucd08\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. UM\/UIM \ud55c\ub3c4\ub97c \ub109\ub109\ud788 \uc124\uc815\ud574 \ub450\uba74, PIP\ub97c \ucd08\uacfc\ud558\ub294 \ubd80\ubd84\uc5d0 \ub300\ud55c \uc7ac\uc815\uc801 \ubd80\ub2f4\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc904\uc77c \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\u2168. UM\/UIM <\/strong><strong>\uac00\uc785<\/strong> <strong>\uc2dc<\/strong> <strong>\uccb4\ud06c\ud574\uc57c<\/strong> <strong>\ud560<\/strong> <strong>\uc0ac\ud56d<\/strong><\/p>\n<ol>\n<li><strong>\uc2a4\ud15d\ub2e4\uc6b4<\/strong> <strong>\uc870\ud56d<\/strong> <strong>\uc5ec\ubd80<\/strong>: \uc55e\uc11c \uc5b8\uae09\ud55c \uac83\ucc98\ub7fc \uac00\uc871 \uc804\uccb4\uac00 \ucda9\ubd84\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uc57d\uad00\uc758 \uc81c\ud55c \uc870\ud56d\uc744 \uaf3c\uaf3c\ud788 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ucda9\ubd84\ud55c<\/strong> <strong>\ubcf4\uc7a5<\/strong> <strong>\ud55c\ub3c4<\/strong>: \ubcf4\ud5d8\ub8cc\ub97c \uc870\uae08 \ub354 \uc9c0\ucd9c\ud558\ub354\ub77c\ub3c4, \ud604\uc2e4\uc801\uc778 \uc190\ud574\uc561\uc744 \ubcf4\uc804\ud560 \uc218 \uc788\ub294 \ud55c\ub3c4\ub97c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ubcf4\ud5d8\uc0ac<\/strong> <strong>\ubcc4\ub3c4<\/strong> <strong>\uc57d\uad00<\/strong> <strong>\uac80\ud1a0<\/strong>: \ubcf4\ud5d8\uc0ac\ub9c8\ub2e4 UM\/UIM \uc57d\uad00\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5b4\ub5a4 \ubcf4\ud5d8\uc0ac\ub294 \uc911\uc7ac \uaddc\uc815\uc744 \ub9e4\uc6b0 \uc81c\ud55c\uc801\uc73c\ub85c \ub450\uc5b4 \ubd84\uc7c1 \ubc1c\uc0dd \uc2dc \ud53c\ud574\uc790\uc758 \uc120\ud0dd\uc9c0\uac00 \uc904\uc5b4\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ucd94\uac00<\/strong> <strong>\ud2b9\uc57d<\/strong> <strong>\ud65c\uc6a9<\/strong>: \uae34\uae09 \uacac\uc778 \uc11c\ube44\uc2a4\ub098 \ub80c\ud130\uce74 \ube44\uc6a9 \ubcf4\uc804 \ub4f1\uc758 \ud2b9\uc57d\uc744 \ud568\uaed8 \uace0\ub824\ud574, \uc0ac\uace0 \ubc1c\uc0dd \uc2dc \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uc81c\ub3c4\ub97c \uc801\uadf9 \ud65c\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p><strong>\u2169. <\/strong><strong>\uc804\ubb38\uac00\uc758<\/strong> <strong>\uc870\uc5b8<\/strong><strong>: <\/strong><strong>\uc65c<\/strong> <strong>\ubcc0\ud638\uc0ac\uac00<\/strong> <strong>\ud544\uc694\ud55c\uac00<\/strong><\/p>\n<p>\ubcf4\ud5d8 \uccad\uad6c\ub294 \ud63c\uc790\uc11c\ub3c4 \uc5b4\ub290 \uc815\ub3c4 \ud560 \uc218 \uc788\uc9c0\ub9cc, \ub2e4\uc74c\uacfc \uac19\uc740 \uc774\uc720\ub85c \ubcc0\ud638\uc0ac\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc73c\uba74 \ud070 \ucc28\uc774\uac00 \ub0a9\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ubcf4\uc0c1\uae08<\/strong> <strong>\uc0b0\uc815\uc758<\/strong> <strong>\uc804\ubb38\uc131<\/strong>: \uce58\ub8cc\ube44\u00b7\uc7ac\ud65c\ube44\ubfd0 \uc544\ub2c8\ub77c, \ud5a5\ud6c4 \ubc1c\uc0dd\ud560 \ube44\uc6a9(\ubbf8\ub798 \uce58\ub8cc, \uc5c5\ubb34 \ubcf5\uadc0 \uc9c0\uc5f0\uc73c\ub85c \uc778\ud55c \uc190\uc2e4 \ub4f1)\uae4c\uc9c0 \uc885\ud569\uc801\uc73c\ub85c \ubc18\uc601\ud560 \uc218 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ubd84\uc7c1<\/strong> <strong>\ub300\uc751<\/strong> <strong>\ub2a5\ub825<\/strong>: \ubcf4\ud5d8\uc0ac\ub294 \uc774\uc775\uc744 \uc6b0\uc120\uc2dc\ud558\ubbc0\ub85c, \uac00\ub2a5\ud55c \ud55c \ub0ae\uc740 \uae08\uc561\uc744 \uc81c\uc2dc\ud558\ub824\uace0 \ud560 \ub54c \ud611\uc0c1\ub825\uc774 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ubcc0\ud638\uc0ac\ub294 \uc911\uc7ac \ubc0f \uc18c\uc1a1 \uc808\ucc28\ub97c \ud1b5\ud574 \uc815\ub2f9\ud55c \ubcf4\uc0c1\uc561\uc744 \ucd94\uad6c\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc11c\ub958<\/strong> <strong>\ubc0f<\/strong> <strong>\uc99d\uac70<\/strong> <strong>\uc218\uc9d1<\/strong> <strong>\uc9c0\uc6d0<\/strong>: \uacbd\ucc30 \ubcf4\uace0\uc11c, \uc758\ub8cc \uae30\ub85d, \ubaa9\uaca9\uc790 \uc9c4\uc220 \ub4f1 \ubcf5\uc7a1\ud55c \uc11c\ub958 \uc808\ucc28\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud574 \uccad\uad6c \uacfc\uc815\uc774 \uc6d0\ud65c\ud558\uac8c \uc9c4\ud589\ub418\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\u216a. <\/strong><strong>\uacb0\ub860<\/strong><strong>: <\/strong><strong>\ub0b4<\/strong> <strong>\uc548\uc804\uc744<\/strong> <strong>\uc9c0\ud0a4\ub294<\/strong> <strong>\ucd5c\ud6c4\uc758<\/strong> <strong>\ubcf4\ub8e8<\/strong><strong>, UM\/UIM<\/strong><\/p>\n<p>\ubb34\ubcf4\ud5d8\u00b7\ubcf4\uc7a5 \ubd80\uc871 \uc6b4\uc804\uc790\uc640\uc758 \uc0ac\uace0\ub294 \uc0dd\uac01\ubcf4\ub2e4 \ud754\ud558\uace0, \uadf8 \uacb0\uacfc\ub294 \ub0b4\uac00 \uac10\ub2f9\ud574\uc57c \ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc UM\/UIM \ubcf4\uc7a5\uc744 \uc798 \uac16\ucdb0\ub450\uba74, \ub73b\ubc16\uc758 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \ub0b4 \ubcf4\ud5d8\uc73c\ub85c\ubd80\ud130 \ucd94\uac00 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc5b4 \uc2ec\uac01\ud55c \uc7ac\uc815\uc801 \uc5b4\ub824\uc6c0\uc744 \ud53c\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9d1\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc9c0\uae08 \ub2f9\uc7a5 \ub0b4 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc57d\uad00\uc744 \ud655\uc778\ud558\uc5ec, UM\/UIM \ubcf4\uc7a5\uc774 \uc81c\ub300\ub85c \uc124\uc815\ub418\uc5b4 \uc788\ub294\uc9c0, \uc2a4\ud15d\ub2e4\uc6b4 \uc870\ud56d\uc740 \uc5c6\ub294\uc9c0 \uc810\uac80\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/li>\n<li>\ub354 \ub098\uc544\uac00 \ubcf4\ud5d8\uc0ac\uc640\uc758 \ubd84\uc7c1\uc774\ub098 \ubcf5\uc7a1\ud55c \uccad\uad6c \uc808\ucc28\ub97c \uc608\uc0c1\ud55c\ub2e4\uba74, \uc0ac\uace0\uc0c1\ud574 \uc804\ubb38 \ubcc0\ud638\uc0ac\uc758 \uc790\ubb38\uc744 \ubc1b\ub294 \uac83\uc774 \ud604\uba85\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc800\ud76c \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc740 \uc624\ub79c \uae30\uac04 \uc0ac\uace0\uc0c1\ud574 \uc0ac\uac74\uc744 \ub2e4\ub904\uc628 \uacbd\ud5d8\uacfc \ub178\ud558\uc6b0\ub97c \ubc14\ud0d5\uc73c\ub85c, UM\/UIM \uccad\uad6c\ub97c \ud3ec\ud568\ud55c \uac01\uc885 \uad50\ud1b5\uc0ac\uace0 \ubd84\uc7c1\uc5d0\uc11c \uc758\ub8b0\uc778\uc758 \uad8c\uc775\uc744 \ucda9\uc2e4\ud788 \ub300\ubcc0\ud574 \uc654\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad50\ud1b5\uc0ac\uace0\ub85c \uc778\ud574 \uc0c1\ud574\ub97c \uc785\uc73c\uc168\ub098\uc694? \uc9c0\uae08 \ubc14\ub85c 201-461-0031\ub85c \uc804\ud654\ud558\uc2dc\uac70\ub098 <a href=\"mailto:pi@songlawfirm.com\">pi@songlawfirm.com<\/a> \uc73c\ub85c \uc774\uba54\uc77c\uc744 \ubcf4\ub0b4 \ubc95\ub960 \uc0c1\ub2f4\uc744 \uc608\uc57d\ud558\uc138\uc694. \ube60\ub978 \ubc95\uc801 \ub300\uc751\uc774 \ubcf4\uc0c1\uae08 \uadf9\ub300\ud654\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n<p><strong><em>\uba74\ucc45 \uc870\ud56d<\/em><\/strong><em>: \ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18\uc801 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70, \ud2b9\uc815 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\uc801 \uc870\uc5b8\uc73c\ub85c \uac04\uc8fc\ub420 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \uc0c1\ud669\uc5d0 \ub9de\ub294 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