{"id":22305,"date":"2025-05-20T16:19:51","date_gmt":"2025-05-20T20:19:51","guid":{"rendered":"https:\/\/songlawfirm.com\/%eb%89%b4%ec%a0%80%ec%a7%80-%eb%98%90%eb%8a%94-%eb%89%b4%ec%9a%95%ec%97%90%ec%84%9c-%ec%82%ac%ea%b3%a0%eb%a1%9c-%eb%b6%80%ec%83%81%eb%8b%b9%ed%95%9c-%ed%83%80%ec%a3%bc-%ec%9a%b4%ec%a0%84%ec%9e%90\/"},"modified":"2025-08-11T10:31:36","modified_gmt":"2025-08-11T14:31:36","slug":"%eb%89%b4%ec%a0%80%ec%a7%80-%eb%98%90%eb%8a%94-%eb%89%b4%ec%9a%95%ec%97%90%ec%84%9c-%ec%82%ac%ea%b3%a0%eb%a1%9c-%eb%b6%80%ec%83%81%eb%8b%b9%ed%95%9c-%ed%83%80%ec%a3%bc-%ec%9a%b4%ec%a0%84%ec%9e%90","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80-%eb%98%90%eb%8a%94-%eb%89%b4%ec%9a%95%ec%97%90%ec%84%9c-%ec%82%ac%ea%b3%a0%eb%a1%9c-%eb%b6%80%ec%83%81%eb%8b%b9%ed%95%9c-%ed%83%80%ec%a3%bc-%ec%9a%b4%ec%a0%84%ec%9e%90\/","title":{"rendered":"\ub274\uc800\uc9c0 \ub610\ub294 \ub274\uc695\uc5d0\uc11c \uc0ac\uace0\ub85c \ubd80\uc0c1\ub2f9\ud55c \ud0c0\uc8fc \uc6b4\uc804\uc790 \uac00\uc774\ub4dc"},"content":{"rendered":"<p>\ub274\uc800\uc9c0 \ub610\ub294 \ub274\uc695\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\ub85c \ubd80\uc0c1\ub2f9\ud55c \ud0c0\uc8fc \uc6b4\uc804\uc790\ub294 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8(No-Fault Insurance) \uc2dc\uc2a4\ud15c\uc758 \ubcf5\uc7a1\uc131\uc5d0 \uc9c1\uba74\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uce7c\ub7fc\uc740 \ud0c0\uc8fc \uc6b4\uc804\uc790\uac00 \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc758 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8\ubc95, \uac1c\uc778\uc0c1\ud574 \ubcf4\ud638(PIP, Personal Injury Protection) \ud61c\ud0dd, \uadf8\ub9ac\uace0 \uc18c\uc1a1 \uac00\ub2a5\uc131\uc744 \uc774\ud574\ud558\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\ubb34\uacfc\uc2e4<\/strong> <strong>\ubcf4\ud5d8\uacfc<\/strong> <strong>\ud0c0\uc8fc<\/strong> <strong>\uc6b4\uc804\uc790\uc758<\/strong><strong> PIP <\/strong><strong>\ud61c\ud0dd<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc640 \ub274\uc695\uc740 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8 \uc8fc\ub85c, \uc0ac\uace0 \uc6d0\uc778\uacfc \uad00\uacc4\uc5c6\uc774 \uc6b4\uc804\uc790\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0\uc11c \uac1c\uc778\uc0c1\ud574 \ubcf4\ud638(PIP) \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud39c\uc2e4\ubca0\uc774\ub2c8\uc544\ub098 \ucf54\ub124\ud2f0\ucef7\uacfc \uac19\uc740 \uacfc\uc2e4 \ucc45\uc784 \uc8fc(Tort States)\uc5d0\uc11c\ub294 \uacfc\uc2e4 \uc6b4\uc804\uc790\uc758 \ubcf4\ud5d8\uc73c\ub85c \ubd80\uc0c1 \ube44\uc6a9\uc744 \ucda9\ub2f9\ud558\uc9c0\ub9cc, \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc5d0\uc11c\ub294 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud55c \uc8fc\uc758 \ubb34\uacfc\uc2e4 \ubc95\ub960\uc5d0 \ub530\ub77c \uba3c\uc800 PIP\ub97c \uc0ac\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0 \ubc95(N.J.S.A. 39:6A-4)\uc740 \ubaa8\ub4e0 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 PIP\ub97c \ud3ec\ud568\ud558\ub3c4\ub85d \uc694\uad6c\ud558\uba70, \ub274\uc695 \ubc95(N.Y. Ins. Law \u00a7 5102)\uc740 \ucd5c\uc18c $50,000\uc758 PIP\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub274\uc800\uc9c0\uc758 \ub514\uba38 \ubc95\ub839(Deemer Statute, N.J.S.A. 17:28-1.4)\uc740 \ub274\uc800\uc9c0\uc5d0\uc11c \uc0ac\uc5c5 \ud5c8\uac00\ub97c \ubc1b\uc740 \ubcf4\ud5d8\uc0ac\ub85c \uac00\uc785\ub41c \ud0c0\uc8fc \uc6b4\uc804\uc790\uc758 \ubcf4\ud5d8\uc744 \ub274\uc800\uc9c0 PIP \ud61c\ud0dd(\ucd5c\ub300 $250,000)\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc73c\ub85c \uac04\uc8fc\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud39c\uc2e4\ubca0\uc774\ub2c8\uc544 \uc6b4\uc804\uc790\uac00 \ub274\uc800\uc9c0\uc5d0\uc11c \uc0ac\uace0\ub85c \ubd80\uc0c1\ub2f9\ud558\uba74, \ubcf8\uc8fc \ubcf4\ud5d8\uc774 PIP\ub97c \ud3ec\ud568\ud558\uc9c0 \uc54a\ub354\ub77c\ub3c4 \ucd5c\ub300 $250,000\uc758 \uc758\ub8cc\ube44\ub97c \ubcf4\uc7a5\ubc1b\uc2b5\ub2c8\ub2e4. \ub274\uc695\uc5d0\uc11c\ub3c4 \uc720\uc0ac\ud558\uac8c, \ub274\uc695\uc5d0\uc11c \ud5c8\uac00\ub41c \ubcf4\ud5d8\uc0ac\ub294 \ud0c0\uc8fc \uc6b4\uc804\uc790\uc5d0\uac8c \ucd5c\uc18c $50,000\uc758 PIP\ub97c \uc81c\uacf5\ud558\uba70, \uc774\ub294 \uc758\ub8cc\ube44, \uc18c\ub4dd \uc190\uc2e4\uc758 80%(\uc6d4 $2,000 \ud55c\ub3c4, \ucd5c\ub300 3\ub144), \uadf8\ub9ac\uace0 \uc7ac\ud65c\uc774\ub098 \uac00\uc0ac \uc9c0\uc6d0 \ube44\uc6a9\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>PIP <\/strong><strong>\uc2e0\uccad<\/strong> <strong>\uc808\ucc28\uc640<\/strong> <strong>\uae30\ud55c<\/strong><\/p>\n<p>PIP \ud61c\ud0dd\uc744 \ubc1b\uc73c\ub824\uba74 \uc2e0\uc18d\ud788 \ubcf4\ud5d8\uc0ac\uc5d0 \uc0ac\uace0\ub97c \ubcf4\uace0\ud558\uace0 \uccad\uad6c\uc11c\ub97c \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \ub274\uc695\uc5d0\uc11c\ub294 \uc0ac\uace0 \ud6c4 30\uc77c \uc774\ub0b4\uc5d0 \ubb34\uacfc\uc2e4 \uc2e0\uccad\uc11c(Form NF-2)\ub97c \uc81c\ucd9c\ud574\uc57c \ud558\uba70, \uc774\ub97c \ub193\uce58\uba74 \ud61c\ud0dd\uc774 \uac70\ubd80\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\ub294 30\uc77c\uc758 \uc5c4\uaca9\ud55c \ubc95\uc801 \uae30\ud55c\uc740 \uc5c6\uc9c0\ub9cc, \uc0ac\uace0 \ud6c4 \uac00\ub2a5\ud55c \ud55c \ube68\ub9ac(\uba70\uce60 \uc774\ub0b4) \ubcf4\ud5d8\uc0ac\uc5d0 \ubcf4\uace0\ud558\uace0 \uccad\uad6c\uc11c\ub098 \uc758\ub8cc \uc2b9\uc778 \uc694\uccad\uc5d0 \uc751\ud574\uc57c \ud569\ub2c8\ub2e4. \ub450 \uc8fc \ubaa8\ub450 \ubd80\uc0c1 \uc18c\uc1a1\uc758 \uacbd\uc6b0 2\ub144 \uc2dc\ud6a8(Statute of Limitations)\uac00 \uc801\uc6a9\ub418\uc9c0\ub9cc, PIP \uccad\uad6c\ub294 \ubcf4\ud5d8 \uacc4\uc57d \ud61c\ud0dd\uc73c\ub85c \ub354 \ube68\ub9ac \ucc98\ub9ac\ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uc640 \uc0ac\uace0 \uc8fc\uc758 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8\uc0ac(\ub2e4\ub97c \uacbd\uc6b0)\uc5d0 \uc989\uc2dc \ubd80\uc0c1\uc744 \uc54c\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uc18c\uc1a1<\/strong> <strong>\uac00\ub2a5<\/strong> <strong>\uc5ec\ubd80<\/strong><strong>: <\/strong><strong>\ubb34\uacfc\uc2e4<\/strong> <strong>\ud55c\uacc4<\/strong> <strong>\ucd08\uacfc<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc640 \ub274\uc695\uc758 \ubb34\uacfc\uc2e4 \ubc95\uc740 \ubd80\uc0c1\uc774 \ucda9\ubd84\ud788 \uc2ec\uac01\ud558\uc9c0 \uc54a\uc73c\uba74 \uacfc\uc2e4 \uc6b4\uc804\uc790\uc5d0 \ub300\ud55c \uace0\ud1b5\uacfc \uace0\ub09c(\ube44\uacbd\uc81c\uc801 \uc190\ud574, Non-Economic Damages) \uc18c\uc1a1\uc744 \uc81c\ud55c\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc18c\uc1a1 \uc81c\ud55c \uae30\uc900(Verbal Threshold, N.J.S.A. 39:6A-8(a))\uc774 \uc0ac\ub9dd, \uc808\ub2e8, \uc2ec\uac01\ud55c \uc678\ud615 \uc190\uc0c1, \uace8\uc808, \ud0dc\uc544 \uc190\uc2e4, \ub610\ub294 \uc601\uad6c\uc801 \ubd80\uc0c1\uacfc \uac19\uc740 \uc2ec\uac01\ud55c \ubd80\uc0c1\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \ud0c0\uc8fc \uc6b4\uc804\uc790\ub3c4 \ub514\uba38 \ubc95\ub839\uc5d0 \ub530\ub77c \uc774 \uae30\uc900\uc5d0 \uad6c\uc18d\ub418\uba70(<em>Whitaker v. DeVilla<\/em>, 147 N.J. 341, 1997), \uc2ec\uac01\ud55c \ubd80\uc0c1\uc744 \uc785\uc99d\ud574\uc57c \uace0\ud1b5\uacfc \uace0\ub09c\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc601\uad6c\uc801 \ubd80\uc0c1\uc740 \uc758\uc0ac\uc758 \uac1d\uad00\uc801 \uc99d\uac70 \uae30\ubc18 \uc778\uc99d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub274\uc695\uc5d0\uc11c\ub294 \uc2ec\uac01\ud55c \ubd80\uc0c1(N.Y. Ins. Law \u00a7 5102(d))\uc774 \uc0ac\ub9dd, \uc808\ub2e8, \uace8\uc808, \uc601\uad6c\uc801 \uc7a5\uc560, \ub610\ub294 \uc0ac\uace0 \ud6c4 180\uc77c \uc911 \ucd5c\uc18c 90\uc77c \ub3d9\uc548 \uc77c\uc0c1 \ud65c\ub3d9\uc744 \uc218\ud589\ud558\uc9c0 \ubabb\ud55c \uacbd\uc6b0\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4. \uacbd\ubbf8\ud55c \uc5fc\uc88c\ub098 \uacbd\ucd94 \uc5fc\uc88c\ub294 \uc774 \uae30\uc900\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud558\uba70(<em>Licari v. Elliott<\/em>, 57 N.Y.2d 230, 1982), MRI\ub098 X\uc120 \uac19\uc740 \uac1d\uad00\uc801 \uc758\ub8cc \uc99d\uac70\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2ec\uac01\ud55c \ubd80\uc0c1\uc744 \uc785\uc99d\ud558\uba74 \uacfc\uc2e4 \uc6b4\uc804\uc790\uc5d0 \ub300\ud574 \uace0\ud1b5\uacfc \uace0\ub09c \ubc0f PIP \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uacbd\uc81c\uc801 \uc190\uc2e4\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\ube44\uad50<\/strong> <strong>\uacfc\uc2e4\uacfc<\/strong> <strong>\ud0c0\uc8fc<\/strong> <strong>\uc6b4\uc804\uc790<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc640 \ub274\uc695\uc740 \ube44\uad50 \uacfc\uc2e4(Comparative Negligence) \uc81c\ub3c4\ub97c \ub530\ub974\uba70, \ubd80\ubd84\uc801\uc73c\ub85c \ucc45\uc784\uc774 \uc788\ub354\ub77c\ub3c4 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc9c0\ub9cc, \ucc45\uc784 \ube44\uc728\ub9cc\ud07c \ubcf4\uc0c1\uc774 \uac10\uc18c\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\ub294 \uc218\uc815 \ube44\uad50 \uacfc\uc2e4(Modified Comparative Negligence, 51% \uc81c\ud55c)\uc744 \uc801\uc6a9\ud558\uc5ec, 50% \uc774\ud558\ub85c \ucc45\uc784\uc774 \uc788\uc744 \uacbd\uc6b0\uc5d0\ub9cc \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc695\uc740 \uc21c\uc218 \ube44\uad50 \uacfc\uc2e4\ub85c, 99% \ucc45\uc784\uc774 \uc788\ub354\ub77c\ub3c4 1%\uc758 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud0c0\uc8fc \uc6b4\uc804\uc790\ub294 \uc0ac\uace0 \ud604\uc7a5\uc758 \uc0ac\uc9c4, \uc99d\uc778 \uc815\ubcf4, \uacbd\ucc30 \ubcf4\uace0\uc11c\ub97c \ud655\ubcf4\ud558\uc5ec \uacfc\uc2e4 \ube44\uc728\uc744 \ucd5c\uc18c\ud654\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub274\uc695\uc5d0\uc11c \uc2e0\ud638\ub4f1\uc744 \uc704\ubc18\ud55c \ud604\uc9c0 \uc6b4\uc804\uc790\uc5d0 \uc758\ud574 \ubd80\uc0c1\ub2f9\ud55c \uacbd\uc6b0, \uc2e0\ud638\ub4f1 \uc0c1\ud0dc\ub97c \uc99d\uba85\ud558\ub294 \uc0ac\uc9c4\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uc18c\uc1a1\uc744<\/strong> <strong>\uc704\ud55c<\/strong> <strong>\uc99d\uac70<\/strong> <strong>\ubb38\uc11c\ud654<\/strong><\/p>\n<p>PIP \ud61c\ud0dd\uc744 \ucd08\uacfc\ud558\uc5ec \uc81c3\uc790 \uc18c\uc1a1\uc744 \uc900\ube44\ud558\ub824\uba74 \ucca0\uc800\ud55c \uc99d\uac70\uac00 \ud544\uc218\uc785\ub2c8\ub2e4. \uc758\ub8cc \uae30\ub85d(X\uc120, MRI), \uc758\uc0ac \uc18c\uacac\uc11c, \uadf8\ub9ac\uace0 \ubd80\uc0c1 \uc77c\uc9c0\ub97c \uc720\uc9c0\ud558\uc5ec \uc2ec\uac01\ud55c \ubd80\uc0c1\uc744 \uc785\uc99d\ud574\uc57c \ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc601\uad6c\uc801 \ubd80\uc0c1\uc5d0 \ub300\ud574 \uc758\uc0ac\uc758 \uac1d\uad00\uc801 \uc778\uc99d\uc774 \ud544\uc694\ud558\uba70, \ub274\uc695\uc5d0\uc11c\ub294 90\/180\uc77c \uccad\uad6c\ub97c \uc704\ud574 \uc77c\uc0c1 \ud65c\ub3d9 \uc81c\ud55c\uc744 \uae30\ub85d\ud574\uc57c \ud569\ub2c8\ub2e4. \uc18c\ub4dd \uc190\uc2e4\uc740 \uace0\uc6a9\uc8fc\uc758 \ud3b8\uc9c0\ub098 \uae09\uc5ec \uba85\uc138\uc11c\ub85c, \ube44\uacbd\uc81c\uc801 \uc190\ud574\ub294 \uc77c\uc0c1 \uc0dd\ud65c \uc601\ud5a5\uc744 \uae30\ub85d\ud55c \uc77c\uc9c0\ub85c \uc99d\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacfc\uc2e4 \ubc29\uc5b4\ub97c \uc704\ud574 \uc0ac\uace0 \ud604\uc7a5\uc758 \uc0ac\uc9c4\uacfc \uc99d\uc778 \uc815\ubcf4\ub97c \ud655\ubcf4\ud558\uc5ec \ud0c0\uc8fc \uc6b4\uc804\uc790\ub85c\uc11c\uc758 \ubd88\ub9ac\ud568\uc744 \ucd5c\uc18c\ud654\ud558\uc138\uc694.<\/p>\n<p><strong>\ud0c0\uc8fc<\/strong> <strong>\uc6b4\uc804\uc790\ub97c<\/strong> <strong>\uc704\ud55c<\/strong> <strong>\uc2e4\uc6a9\uc801<\/strong> <strong>\uc870\uc5b8<\/strong><\/p>\n<ul>\n<li><strong>\uae30\ud55c<\/strong> <strong>\uc900\uc218<\/strong>: \ub274\uc695\uc5d0\uc11c\ub294 30\uc77c \ub0b4 PIP \uc2e0\uccad\uc11c\ub97c \uc81c\ucd9c\ud558\uace0, \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc989\uc2dc \uc0ac\uace0\ub97c \ubcf4\uace0\ud558\uc138\uc694. 2\ub144 \uc2dc\ud6a8\ub3c4 \uc8fc\uc758\ud558\uc138\uc694.<\/li>\n<li><strong>\ubd80\uc0c1<\/strong> <strong>\uae30\uc900<\/strong> <strong>\uc774\ud574<\/strong>: \uacbd\ubbf8\ud55c \ubd80\uc0c1\uc740 PIP\ub85c \uc81c\ud55c\ub418\uba70, \uc2ec\uac01\ud55c \ubd80\uc0c1\uc740 \uc758\ub8cc \uc99d\uac70\ub85c \uc785\uc99d\ud574\uc57c \uc18c\uc1a1 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc99d\uac70<\/strong> <strong>\ubcf4\uc874<\/strong>: \uacbd\ucc30 \ubcf4\uace0\uc11c, \uc6b4\uc804\uc790 \uc815\ubcf4, \uc0ac\uc9c4\uc744 \ud655\ubcf4\ud558\uc138\uc694.<\/li>\n<li><strong>\uc758\ub8cc<\/strong> <strong>\uae30\ub85d<\/strong>: \uc0ac\uace0\uc640 \ubd80\uc0c1\uc758 \uc5f0\uad00\uc131\uc744 \uba85\ud655\ud788 \uae30\ub85d\ud558\uace0, \ubb34\uacfc\uc2e4 \ubcf4\ud5d8\uc0ac\uc5d0 \uccad\uad6c\uc11c\ub97c \uc804\ub2ec\ud558\uc138\uc694.<\/li>\n<li><strong>\ubcf4\ud5d8<\/strong> <strong>\ud1b5\uc9c0<\/strong>: \ubcf8\uc778 \ubc0f \uacfc\uc2e4 \uc6b4\uc804\uc790\uc758 \ubcf4\ud5d8\uc0ac\uc5d0 \uc0ac\uace0\ub97c \uc54c\ub9ac\ub418, \ubcc0\ud638\uc0ac \uc0c1\ub2f4 \uc804 \uc11c\ub958 \uc11c\uba85\uc740 \ud53c\ud558\uc138\uc694.<\/li>\n<li><strong>\uc758\ub8cc\ube44<\/strong> <strong>\uccad\uad6c<\/strong> <strong>\uad00\ub9ac<\/strong>: \ud0c0\uc8fc \uce58\ub8cc \uc2dc \ubb34\uacfc\uc2e4 \ubcf4\ud5d8\uc0ac\uc5d0 \uccad\uad6c \ubc88\ud638\ub97c \uc81c\uacf5\ud558\uc5ec \uc798\ubabb\ub41c \uccad\uad6c\ub97c \ubc29\uc9c0\ud558\uc138\uc694.<\/li>\n<\/ul>\n<p><strong>\uad50\ud1b5\uc0ac\uace0\ub85c \uc0c1\ud574\ub97c \uc785\uc73c\uc168\ub098\uc694<\/strong><strong>? \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc774 \ub3c4\uc640\ub4dc\ub9bd\ub2c8\ub2e4.<\/strong><\/p>\n<p>\uad50\ud1b5\uc0ac\uace0 \ud53c\ud574\uc790\ub85c\uc11c \ubc1b\uc744 \uc218 \uc788\ub294 \ubcf4\uc0c1\uc744 \ucd5c\ub300\ud55c \ud655\ubcf4\ud558\ub824\uba74 \uc2e0\uc18d\ud55c \ubc95\uc801 \ub300\uc751\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc740 \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc5d0\uc11c \uc218\ub9ce\uc740 \uad50\ud1b5\uc0ac\uace0 \ud53c\ud574\uc790\ub4e4\uc758 \uad8c\ub9ac\ub97c \ubcf4\ud638\ud558\uba70, \uc815\ub2f9\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ucd5c\uc0c1\uc758 \ubc95\ub960 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\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><em>\uba74\ucc45<\/em> <em>\uc870\ud56d<\/em><em>: <\/em><em>\ubcf8<\/em> <em>\uce7c\ub7fc\uc740<\/em> <em>\uc77c\ubc18\uc801<\/em> <em>\uc815\ubcf4<\/em> <em>\uc81c\uacf5\uc744<\/em> <em>\ubaa9\uc801\uc73c\ub85c<\/em> <em>\uc791\uc131\ub418\uc5c8\uc73c\uba70<\/em><em>, <\/em><em>\ud2b9\uc815<\/em> <em>\uc0ac\uac74\uc5d0<\/em> <em>\ub300\ud55c<\/em> <em>\ubc95\uc801<\/em> <em>\uc870\uc5b8\uc73c\ub85c<\/em> <em>\uac04\uc8fc\ub420<\/em> <em>\uc218<\/em> <em>\uc5c6\uc2b5\ub2c8\ub2e4<\/em><em>. <\/em><em>\uad6c\uccb4\uc801\uc778<\/em> <em>\uc0c1\ud669\uc5d0<\/em> <em>\ub9de\ub294<\/em> <em>\ubc95\ub960<\/em> <em>\ud574\uc11d\uacfc<\/em> <em>\ub300\uc751<\/em> <em>\ubc29\uc548\uc740<\/em> <em>\uc804\ubb38<\/em> <em>\ubcc0\ud638\uc0ac\uc640\uc758<\/em> <em>\uc9c1\uc811<\/em> <em>\uc0c1\ub2f4\uc744<\/em> <em>\ud1b5\ud574<\/em> <em>\ud655\uc778\ud558\uc2dc\uae30<\/em> <em>\ubc14\ub78d\ub2c8\ub2e4<\/em><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub274\uc800\uc9c0 \ub610\ub294 \ub274\uc695\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\ub85c \ubd80\uc0c1\ub2f9\ud55c \ud0c0\uc8fc \uc6b4\uc804\uc790\ub294 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8(No-Fault Insurance) \uc2dc\uc2a4\ud15c\uc758 \ubcf5\uc7a1\uc131\uc5d0 \uc9c1\uba74\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uce7c\ub7fc\uc740 \ud0c0\uc8fc \uc6b4\uc804\uc790\uac00 \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc758 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8\ubc95, \uac1c\uc778\uc0c1\ud574 \ubcf4\ud638(PIP, Personal Injury Protection) \ud61c\ud0dd, \uadf8\ub9ac\uace0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22302,"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":"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":""},"categories":[356,388],"tags":[899,920,2628,3067,703,2935,865,2979,702,599,2998],"class_list":{"0":"post-22305","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-356","8":"category---columns","9":"tag--ko-2","10":"tag-920","11":"tag-2628","12":"tag-3067","13":"tag-attorney-ko","14":"tag-2935","15":"tag-865","16":"tag-2979","17":"tag--ko","19":"tag-2998"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ub274\uc800\uc9c0 \ub610\ub294 \ub274\uc695\uc5d0\uc11c \uc0ac\uace0\ub85c \ubd80\uc0c1\ub2f9\ud55c \ud0c0\uc8fc \uc6b4\uc804\uc790 \uac00\uc774\ub4dc - \uc1a1\ub3d9\ud638 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