{"id":22513,"date":"2025-06-21T10:14:46","date_gmt":"2025-06-21T14:14:46","guid":{"rendered":"https:\/\/songlawfirm.com\/%eb%89%b4%ec%a0%80%ec%a7%80-%eb%b0%8f-%eb%89%b4%ec%9a%95-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%ec%b9%98%eb%a3%8c%eb%b9%84-pip%ec%99%80-%ea%b1%b4%ea%b0%95-%eb%b3%b4%ed%97%98-%ec%96%b4%eb%96%bb\/"},"modified":"2025-07-21T10:16:24","modified_gmt":"2025-07-21T14:16:24","slug":"%eb%89%b4%ec%a0%80%ec%a7%80-%eb%b0%8f-%eb%89%b4%ec%9a%95-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%ec%b9%98%eb%a3%8c%eb%b9%84-pip%ec%99%80-%ea%b1%b4%ea%b0%95-%eb%b3%b4%ed%97%98-%ec%96%b4%eb%96%bb","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80-%eb%b0%8f-%eb%89%b4%ec%9a%95-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%ec%b9%98%eb%a3%8c%eb%b9%84-pip%ec%99%80-%ea%b1%b4%ea%b0%95-%eb%b3%b4%ed%97%98-%ec%96%b4%eb%96%bb\/","title":{"rendered":"\ub274\uc800\uc9c0 \ubc0f \ub274\uc695 \uad50\ud1b5\uc0ac\uace0 \uce58\ub8cc\ube44: PIP\uc640 \uac74\uac15 \ubcf4\ud5d8, \uc5b4\ub5bb\uac8c \uc801\uc6a9\ub418\ub098?"},"content":{"rendered":"<p>\ub274\uc800\uc9c0\uc640 \ub274\uc695\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\uac00 \ubc1c\uc0dd\ud558\uba74, \ubd80\uc0c1 \uce58\ub8cc\ube44\ub97c \uc5b4\ub5a4 \ubcf4\ud5d8\uc73c\ub85c \ucc98\ub9ac\ud574\uc57c \ud558\ub294\uc9c0\uc5d0 \ub300\ud55c \uc815\ud655\ud55c \uc774\ud574\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ub450 \uc8fc \ubaa8\ub450 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8(No-Fault Insurance) \uc81c\ub3c4\ub97c \ucc44\ud0dd\ud558\uace0 \uc788\uc5b4, \uc0ac\uace0\uc758 \ucc45\uc784 \uc5ec\ubd80\uc640 \uc0c1\uad00\uc5c6\uc774 \ubcf8\uc778\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \ud3ec\ud568\ub41c \uac1c\uc778\uc0c1\ud574\ubcf4\ud638(PIP, Personal Injury Protection)\ub85c \uc758\ub8cc\ube44\ub97c \uc6b0\uc120 \ucc98\ub9ac\ud558\uac8c \ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub274\uc800\uc9c0\uc758 \uacbd\uc6b0 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8 \uac00\uc785 \uc2dc \uac74\uac15 \ubcf4\ud5d8\uc744 \uc6b0\uc120 \uc801\uc6a9\ud558\ub3c4\ub85d \uc124\uc815\ud560 \uc218 \uc788\ub294 \uc120\ud0dd\uad8c\uc774 \uc788\uc73c\uba70, \uac01 \ubc29\uc2dd\uc5d0 \ub530\ub77c \ubcf4\uc7a5 \ubc94\uc704, \uc790\uae30\ubd80\ub2f4\uae08(deductible), \ubcf8\uc778\ubd80\ub2f4\uae08(co-payment), \ub300\uc704\uad8c \ubb38\uc81c \ub4f1\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc774 \uce7c\ub7fc\uc740 \ub274\uc800\uc9c0 \ubc0f \ub274\uc695\uc758 PIP \uc81c\ub3c4\uc640 \uac74\uac15 \ubcf4\ud5d8\uc758 \uc5ed\ud560, \ubc95\uc801 \uae30\uc900, \uc2e4\ubb34\uc0c1 \uace0\ub824\uc0ac\ud56d\uc744 \uc804\ubb38\uc801\uc73c\ub85c \ube44\uad50\ud558\uc5ec \ub3c5\uc790\uac00 \uc0ac\uace0 \ud6c4 \ud569\ub9ac\uc801\uc774\uace0 \uc804\ub7b5\uc801\uc778 \ubcf4\ud5d8 \ud65c\uc6a9 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ub274\uc800\uc9c0<\/strong><strong>: <\/strong><strong>\uc120\ud0dd\uad8c\uacfc<\/strong> <strong>\ud3ed\ub113\uc740<\/strong><strong> PIP <\/strong><strong>\ubcf4\uc7a5<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc758 \ud45c\uc900 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc740 \uc0ac\uace0\ub2f9 1\uc778 \uae30\uc900 \ucd5c\ub300 $250,000\uae4c\uc9c0\uc758 \uc758\ub8cc\ube44\ub97c PIP\ub85c \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc785\uc6d0\ube44, \uc218\uc220\ube44, \uc9c4\ub8cc\ube44, \uc7ac\ud65c \uce58\ub8cc\ube44 \ub4f1 \ud569\ub9ac\uc801\uc774\uace0 \ud544\uc694\ud55c \uc758\ub8cc\ube44\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub610\ud55c \uc784\uae08 \uc190\uc2e4 \ubcf4\uc0c1, \ud544\uc218 \uc11c\ube44\uc2a4 \ubcf4\uc0c1, \uc7a5\ub840 \ube44\uc6a9 \ub4f1\uc758 \ubd80\uac00\uc801 \uc190\uc2e4\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc57d $10,000 \uc0c1\ub2f9\uc758 \ubcf4\uc7a5\uc774 \ucd94\uac00\ub85c \uc81c\uacf5\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc6b4\uc804\uc790\ub294 \ubcf4\ud5d8 \uac00\uc785 \uc2dc PIP\ub97c \uae30\ubcf8 \ubcf4\uc7a5(primary)\uc73c\ub85c \ub458\uc9c0, \ubcf8\uc778\uc758 \uac74\uac15 \ubcf4\ud5d8\uc744 \uc6b0\uc120 \uc801\uc6a9(primary health insurance)\uc73c\ub85c \uc120\ud0dd\ud560\uc9c0\ub97c \uacb0\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac74\uac15 \ubcf4\ud5d8 \uc6b0\uc120 \uc635\uc158\uc744 \uc120\ud0dd\ud55c \uacbd\uc6b0, \uc0ac\uace0 \ubc1c\uc0dd \ud6c4 \ubcd1\uc6d0\ube44\ub294 \uac74\uac15 \ubcf4\ud5d8\uc744 \ud1b5\ud574 \uba3c\uc800 \ucc98\ub9ac\ub418\uba70, \uac74\uac15 \ubcf4\ud5d8\uc5d0\uc11c \uc9c0\uae09\ud558\uc9c0 \uc54a\uc740 \ube44\uc6a9\ub9cc PIP\ub97c \ud1b5\ud574 \ubcf4\uc644 \uc9c0\uae09\ubc1b\uc2b5\ub2c8\ub2e4. \ub2e8, \uc0ac\uace0 \ub2f9\uc2dc \uc720\ud6a8\ud55c \uac74\uac15 \ubcf4\ud5d8\uc774 \uc874\uc7ac\ud574\uc57c \ud558\uba70, \ubcf4\ud5d8 \uc57d\uad00\uc0c1 \uc790\ub3d9\ucc28 \uc0ac\uace0 \uad00\ub828 \uce58\ub8cc\ub97c \uba85\uc2dc\uc801\uc73c\ub85c \uc81c\uc678\ud558\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub807\uc9c0 \uc54a\uc744 \uacbd\uc6b0, \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc0ac\ub294 PIP\ub97c 1\ucc28\ub85c \uc801\uc6a9\ud558\uba74\uc11c $750\uc758 \ucd94\uac00 \uc790\uae30\ubd80\ub2f4\uae08\uc744 \ubd80\uacfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uad6c\uc870\ub85c \uc778\ud574 \ub9ce\uc740 \uc6b4\uc804\uc790\ub4e4\uc774 \uce58\ub8cc \uc9c0\uc5f0, \ubcf8\uc778\ubd80\ub2f4\uae08 \uc99d\uac00, \ubcf4\uc7a5 \uacf5\ubc31 \ub4f1\uc758 \uc704\ud5d8\uc744 \uc904\uc774\uae30 \uc704\ud574 \uc5ec\uc804\ud788 PIP\ub97c 1\ucc28 \ubcf4\uc7a5\uc73c\ub85c \uc124\uc815\ud558\ub294 \uac83\uc744 \uc120\ud638\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ub274\uc695<\/strong><strong>: <\/strong><strong>\ubc95\uc801\uc73c\ub85c<\/strong><strong> PIP<\/strong><strong>\uac00<\/strong> <strong>\ud56d\uc0c1<\/strong> <strong>\uc6b0\uc120<\/strong> <strong>\uc801\uc6a9<\/strong><\/p>\n<p>\ub274\uc695\uc740 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 PIP\uac00 \ubb34\uc870\uac74 1\ucc28(primary)\ub85c \uc801\uc6a9\ub418\uba70, \ubcc4\ub3c4\uc758 \uc120\ud0dd\uad8c\uc774 \uc5c6\uc2b5\ub2c8\ub2e4. \uae30\ubcf8\uc801\uc73c\ub85c PIP\ub294 \uc0ac\uace0 1\uac74\ub2f9 1\uc778 \uae30\uc900 \ucd5c\ub300 $50,000\uae4c\uc9c0\uc758 \uae30\ubcf8 \uacbd\uc81c\uc801 \uc190\uc2e4(basic economic loss)\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub294 \ubcd1\uc6d0 \uce58\ub8cc\ube44, \uc7ac\ud65c \ube44\uc6a9, \uc784\uae08 \uc190\uc2e4\uc758 80%(\uc6d4 $2,000 \ud55c\ub3c4, \ucd5c\ub300 3\ub144) \ubc0f \ud558\ub8e8 $25\uc758 \uae30\ud0c0 \ubd80\ub300 \ube44\uc6a9(\ucd5c\ub300 1\ub144)\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n<p>\uac1c\uc778 \uac74\uac15 \ubcf4\ud5d8\uc740 \uc624\uc9c1 PIP \ubcf4\uc7a5 \ud55c\ub3c4 \ucd08\uacfc \uc2dc\uc5d0\ub9cc \ubcf4\uc870\uc801 \ubcf4\uc7a5(secondary coverage)\uc73c\ub85c \uc791\ub3d9\ud558\uba70, \ub2e4\uc218\uc758 \uac74\uac15 \ubcf4\ud5d8 \uc57d\uad00\uc5d0\ub294 PIP\uac00 \uc801\uc6a9\ub418\ub294 \ud55c\ub3c4 \ub0b4\uc758 \uce58\ub8cc\ube44\uc5d0 \ub300\ud574 \uba74\ucc45 \uc870\ud56d\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc0ac\uace0\ub85c \uc778\ud55c \ube44\uacbd\uc81c\uc801 \uc190\ud574(\uc608: \uace0\ud1b5 \ubc0f \uace0\ub09c, \uc815\uc2e0\uc801 \ud53c\ud574 \ub4f1)\uc5d0 \ub300\ud574 \uac00\ud574 \uc6b4\uc804\uc790\ub97c \uc0c1\ub300\ub85c \uc190\ud574\ubc30\uc0c1 \uccad\uad6c\ub97c \ud558\ub824\uba74 \ubc18\ub4dc\uc2dc \ubc95\uc774 \uc815\ud55c &#8220;\uc911\ub300\ud55c \ubd80\uc0c1(serious injury)&#8221; \uae30\uc900\uc744 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ubcf4\ud5d8<\/strong> <strong>\uc801\uc6a9<\/strong> <strong>\uc808\ucc28\uc640<\/strong> <strong>\uc0c1\ud638<\/strong> <strong>\uc791\uc6a9<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \ubcf4\ud5d8 \uac00\uc785 \uc2dc \uc120\ud0dd\ud55c \uc6b0\uc120 \ubcf4\uc7a5\uc5d0 \ub530\ub77c \uccad\uad6c \uc808\ucc28\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. PIP\uac00 \uc6b0\uc120\uc77c \uacbd\uc6b0, \uc758\ub8cc\uae30\uad00\uc740 \ubaa8\ub4e0 \uc0ac\uace0 \uad00\ub828 \uce58\ub8cc\ube44\ub97c \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc0ac\uc5d0 \uc9c1\uc811 \uccad\uad6c\ud558\uac8c \ub418\uba70, \uac74\uac15 \ubcf4\ud5d8\uc740 \uac1c\uc785\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \uac74\uac15 \ubcf4\ud5d8 \uc6b0\uc120 \uc635\uc158\uc744 \uc120\ud0dd\ud588\ub2e4\uba74 \uc758\ub8cc\uae30\uad00\uc740 \uac74\uac15 \ubcf4\ud5d8\uc73c\ub85c \uba3c\uc800 \uccad\uad6c\ud558\uba70, \uc9c0\uae09 \uac70\uc808\ub418\uac70\ub098 \ubcf8\uc778\ubd80\ub2f4\uae08 \ub610\ub294 \uc790\uae30\ubd80\ub2f4\uae08\uc73c\ub85c \ub0a8\uc740 \uae08\uc561\uc5d0 \ub300\ud574 PIP\ub85c \ubcf4\uc644 \uccad\uad6c\ud569\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \ubcf4\ud5d8\uc0ac \uac04 \uae09\uc5ec \uc870\uc815(coordination of benefits)\uacfc \uccad\uad6c \ub204\ub77d \ubc29\uc9c0\ub97c \uc704\ud55c \ucca0\uc800\ud55c \ubb38\uc11c \uad00\ub9ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub274\uc695\uc740 \uc774\ub7ec\ud55c \uc120\ud0dd\uad8c\uc774 \uc5c6\uc73c\uba70, \uc0ac\uace0 \ud6c4 \ubc18\ub4dc\uc2dc 30\uc77c \uc774\ub0b4\uc5d0 PIP \uccad\uad6c\uc11c(NF-2 \uc591\uc2dd)\ub97c \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \ubaa8\ub4e0 \ubcd1\uc6d0\ube44\ub294 \uc790\ub3d9\uc73c\ub85c PIP\ub97c \ud1b5\ud574 \ucc98\ub9ac\ub418\uba70, \uc774\ud6c4 \uac74\uac15 \ubcf4\ud5d8\uc740 \ud55c\ub3c4 \ucd08\uacfc\ubd84\uc774\ub098 PIP \uc801\uc6a9 \uc81c\uc678 \ud56d\ubaa9\uc5d0 \ud55c\ud574 \uac1c\uc785\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ub300\uc704\uad8c<\/strong><strong>(Subrogation)<\/strong><strong>\uacfc<\/strong> <strong>\ubc95\uc801<\/strong> <strong>\ud658\uc218<\/strong> <strong>\ubb38\uc81c<\/strong><\/p>\n<p>PIP \ubcf4\ud5d8\uc740 \ub274\uc800\uc9c0\uc640 \ub274\uc695 \ubaa8\ub450\uc5d0\uc11c \ubc95\uc801\uc73c\ub85c \ub300\uc704\uad8c\uc774 \uc81c\ud55c\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc989, \ud53c\ud574\uc790\uac00 \uac00\ud574\uc790\ub85c\ubd80\ud130 \uc18c\uc1a1\uc774\ub098 \ud569\uc758\ub97c \ud1b5\ud574 \uc190\ud574\ubc30\uc0c1\uae08\uc744 \uc9c0\uae09\ubc1b\ub354\ub77c\ub3c4, PIP\ub97c \ud1b5\ud574 \uba3c\uc800 \uc9c0\uae09\ub41c \uc758\ub8cc\ube44\uc5d0 \ub300\ud574 \ubcf4\ud5d8\uc0ac\uac00 \ud658\uc218\ub97c \uccad\uad6c\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud53c\ud574\uc790 \ubcf4\ud638 \uc6d0\uce59\uc5d0 \ub530\ub77c \uaddc\uc815\ub41c \uc0ac\ud56d\uc774\uba70, \uc2e4\ubb34\uc0c1 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc7a5\uc810\uc785\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 \uac74\uac15 \ubcf4\ud5d8\uc740 \ub2e4\ub985\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uac74\uac15 \ubcf4\ud5d8\uc0ac \ubc0f \uba54\ub514\ucf00\uc5b4\/\uba54\ub514\ucf00\uc774\ub4dc\ub294 \uc0ac\uace0 \uce58\ub8cc\ube44\ub97c \uc9c0\uae09\ud55c \ud6c4, \ud53c\ud574\uc790\uac00 \uc81c3\uc790\ub85c\ubd80\ud130 \ubcf4\uc0c1\uae08\uc744 \uc218\ub839\ud558\uba74 \uadf8 \uae08\uc561 \uc911 \uc77c\ubd80 \ub610\ub294 \uc804\ubd80\ub97c \ud658\uc218\ud558\uae30 \uc704\ud574 \uc120\ucde8\ud2b9\uad8c(lien)\uc744 \ud589\uc0ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc0ac\uace0 \uce58\ub8cc\ube44\ub97c \uac74\uac15 \ubcf4\ud5d8\uc73c\ub85c \ucc98\ub9ac\ud558\ub294 \uacbd\uc6b0, \ud5a5\ud6c4 \uc190\ud574\ubc30\uc0c1 \ud569\uc758 \uc2dc \ubcc0\ud638\uc778\uc744 \ud1b5\ud574 \uc120\ucde8\ub4dd\uad8c \ud611\uc0c1\uc744 \uc9c4\ud589\ud558\uace0, \ucd5c\uc885 \ud569\uc758\uae08\uc5d0\uc11c \uc815\uc0b0\ud558\ub294 \uc808\ucc28\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uc0ac\ub840<\/strong> <strong>\ube44\uad50<\/strong><strong>: $30,000 <\/strong><strong>\uc758\ub8cc\ube44<\/strong> <strong>\ubc1c\uc0dd<\/strong> <strong>\uc2dc<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc5d0\uc11c $30,000\uc758 \uc758\ub8cc\ube44\uac00 \ubc1c\uc0dd\ud55c \uacbd\uc6b0, PIP\ub97c \uc6b0\uc120\uc73c\ub85c \uc124\uc815\ud55c \ubcf4\ud5d8 \uac00\uc785\uc790\ub294 \uc120\ud0dd\ud55c \uc790\uae30\ubd80\ub2f4\uae08\uacfc \uc18c\uc561\uc758 \ubcf8\uc778\ubd80\ub2f4\uae08\uc744 \uc81c\uc678\ud558\uba74 \uac70\uc758 \uc804\uc561\uc744 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc0ac\ub85c\ubd80\ud130 \uc9c0\uae09\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uccad\uad6c\ub3c4 \uac04\ud3b8\ud558\uba70, \uc758\ub8cc\uae30\uad00\uacfc \ubcf4\ud5d8\uc0ac \uac04 \uc9c1\uc811 \uc815\uc0b0\uc774 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\ubc18\ub300\ub85c \uac74\uac15 \ubcf4\ud5d8\uc744 \uc6b0\uc120\uc73c\ub85c \uc124\uc815\ud55c \uacbd\uc6b0, \ucd08\uae30\uc5d0\ub294 \uac74\uac15 \ubcf4\ud5d8\uc758 \uc790\uae30\ubd80\ub2f4\uae08 (\uc608: $2,000)\uacfc \uacf5\ub3d9\ubd80\ub2f4\uae08 (\uc608: 20%)\uc744 \ubcf8\uc778\uc774 \uc120\uc9c0\uae09\ud574\uc57c \ud558\uba70, \uadf8 \uc774\ud6c4 \ub0a8\uc740 \uae08\uc561\uc5d0 \ub300\ud574 PIP\uc5d0 \ubcf4\uc644 \uccad\uad6c\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \uc808\ucc28\uac00 \ubcf5\uc7a1\ud558\uace0, \uc77c\uc2dc\uc801\uc774\ub098\ub9c8 \ud604\uae08 \uc720\ucd9c\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub274\uc695\uc758 \uacbd\uc6b0 \uc120\ud0dd\uad8c \uc5c6\uc774 $30,000 \uc804\uc561\uc774 PIP\ub85c\ubd80\ud130 \uc9c0\uae09\ub418\uba70, \uc801\uc808\ud55c \uccad\uad6c \uc808\ucc28\ub97c \ubc1f\uc558\ub2e4\uba74 \ubcf8\uc778\ubd80\ub2f4\uae08\uc740 \uac70\uc758 \uc5c6\uc2b5\ub2c8\ub2e4. \ub2e8, $50,000 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\uba74 \uac74\uac15 \ubcf4\ud5d8\uc774 \uac1c\uc785\ud558\uac8c \ub418\uace0, \uadf8 \uc774\ud6c4 \uce58\ub8cc\ube44\uc5d0 \ub300\ud574 \ubcc4\ub3c4 \uc808\ucc28\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uacb0\ub860<\/strong><\/p>\n<p>\ubcf4\ud5d8 \uc120\ud0dd \ubc0f \uccad\uad6c \uc804\ub7b5\uc740 \uc0ac\uace0 \uc9c1\ud6c4\uc758 \uc7ac\uc815\uc801 \uc548\uc815\uc131\uacfc \ud5a5\ud6c4 \ubcf4\uc0c1 \uc808\ucc28 \uc804\ubc18\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ub274\uc800\uc9c0 \uc6b4\uc804\uc790\ub294 \ubcf4\ud5d8 \uc99d\uad8c\uc0c1 \uc790\uc2e0\uc774 \uc120\ud0dd\ud55c \uc6b0\uc120 \ubcf4\uc7a5 \uc635\uc158\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uace0, \uac74\uac15 \ubcf4\ud5d8\uc744 \uc6b0\uc120 \uc801\uc6a9\ud558\ub3c4\ub85d \uc124\uc815\ud55c \uacbd\uc6b0\uc5d0\ub294 \ud574\ub2f9 \uac74\uac15 \ubcf4\ud5d8\uc758 \uc0ac\uace0 \uce58\ub8cc \ubcf4\uc7a5 \ubc94\uc704\ub97c \uc0ac\uc804\uc5d0 \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4. \ub274\uc695 \uc6b4\uc804\uc790\ub294 \uc0ac\uace0 \ubc1c\uc0dd \uc989\uc2dc \uad00\ub828 \uc11c\ub958\ub97c \uad6c\ube44\ud558\uc5ec PIP \uccad\uad6c\ub97c \uc2e0\uc18d\ud788 \uc9c4\ud589\ud558\uace0, \uc774\ud6c4\uc758 \uce58\ub8cc\ube44 \ubc0f \ubcf4\uc0c1 \uc808\ucc28\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\ub3c4\ub85d \uc790\uc2e0\uc758 \ubcf4\ud5d8 \uad6c\uc870\ub97c \uc798 \uc774\ud574\ud558\uace0 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uc790\ub3d9\ucc28<\/strong> <strong>\uc0ac\uace0\ub85c<\/strong> <strong>\ubd80\uc0c1\uc744<\/strong> <strong>\ub2f9\ud558\uc168\ub098\uc694<\/strong><strong>? <\/strong><strong>\uc1a1\ub3d9\ud638<\/strong> <strong>\uc885\ud569\ub85c\ud38c\uc774<\/strong> <strong>\ub3c4\uc640\ub4dc\ub9bd\ub2c8\ub2e4<\/strong><strong>.<\/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><strong><em>\uba74\ucc45<\/em><\/strong> <strong><em>\uc870\ud56d<\/em><\/strong><em>: <\/em><em>\ubcf8<\/em> <em>\uce7c\ub7fc\uc740<\/em> <em>\uc77c\ubc18<\/em> <em>\uc815\ubcf4<\/em> <em>\uc81c\uacf5\uc744<\/em> <em>\ubaa9\uc801\uc73c\ub85c<\/em> <em>\ud558\uba70<\/em><em>, <\/em><em>\ud2b9\uc815<\/em> <em>\uc0ac\uac74\uc5d0<\/em> <em>\ub300\ud55c<\/em> <em>\ubc95\uc801<\/em> <em>\uc870\uc5b8\uc774<\/em> <em>\uc544\ub2d9\ub2c8\ub2e4<\/em><em>. <\/em><em>\uc790\uc138\ud55c<\/em> <em>\ub0b4\uc6a9\uc740<\/em> <em>\ubc95\ub960<\/em> <em>\uc804\ubb38\uac00\uc640<\/em> <em>\uc9c1\uc811<\/em> <em>\uc0c1\ub2f4\ud558\uc2dc\uae30<\/em> <em>\ubc14\ub78d\ub2c8\ub2e4<\/em><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub274\uc800\uc9c0\uc640 \ub274\uc695\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\uac00 \ubc1c\uc0dd\ud558\uba74, \ubd80\uc0c1 \uce58\ub8cc\ube44\ub97c \uc5b4\ub5a4 \ubcf4\ud5d8\uc73c\ub85c \ucc98\ub9ac\ud574\uc57c \ud558\ub294\uc9c0\uc5d0 \ub300\ud55c \uc815\ud655\ud55c \uc774\ud574\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ub450 \uc8fc \ubaa8\ub450 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8(No-Fault Insurance) \uc81c\ub3c4\ub97c \ucc44\ud0dd\ud558\uace0 \uc788\uc5b4, \uc0ac\uace0\uc758 \ucc45\uc784 \uc5ec\ubd80\uc640 \uc0c1\uad00\uc5c6\uc774 \ubcf8\uc778\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22510,"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":[3013,899,2628,703,865,605,2203,2998,2942],"class_list":["post-22513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category---columns","tag-3013","tag--ko-2","tag-2628","tag-attorney-ko","tag-865","tag-605","tag-2203","tag-2998","tag-2942"],"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 \ubc0f \ub274\uc695 \uad50\ud1b5\uc0ac\uace0 \uce58\ub8cc\ube44: PIP\uc640 \uac74\uac15 \ubcf4\ud5d8, \uc5b4\ub5bb\uac8c \uc801\uc6a9\ub418\ub098? - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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