{"id":22630,"date":"2025-07-23T22:45:37","date_gmt":"2025-07-24T02:45:37","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=22630"},"modified":"2025-08-11T10:28:26","modified_gmt":"2025-08-11T14:28:26","slug":"%ed%83%80%ec%a3%bc%ec%97%90%ec%84%9c-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0%ea%b0%80-%eb%b0%9c%ec%83%9d%ed%96%88%eb%8b%a4%eb%a9%b4-%ec%96%b4%eb%94%94%ec%97%90%ec%84%9c-%ec%b9%98%eb%a3%8c%eb%b0%9b","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ed%83%80%ec%a3%bc%ec%97%90%ec%84%9c-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0%ea%b0%80-%eb%b0%9c%ec%83%9d%ed%96%88%eb%8b%a4%eb%a9%b4-%ec%96%b4%eb%94%94%ec%97%90%ec%84%9c-%ec%b9%98%eb%a3%8c%eb%b0%9b\/","title":{"rendered":"\ud0c0\uc8fc\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\ub2e4\uba74 \uc5b4\ub514\uc5d0\uc11c \uce58\ub8cc\ubc1b\uace0 \uc5b4\ub5bb\uac8c \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc788\uc744\uae4c?"},"content":{"rendered":"

\uc5ec\ud589 \uc911 \uc608\uc0c1\uce58 \ubabb\ud55c \uad50\ud1b5\uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c, \uc5b4\ub514\uc11c \uce58\ub8cc\ub97c \ubc1b\uc544\uc57c \ud558\ub294\uc9c0, \ubcf8\uc778\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \ud0c0\uc8fc\uc5d0\uc11c\ub3c4 \uc720\ud6a8\ud55c\uc9c0, \uadf8\ub9ac\uace0 \ub204\uad6c\uc5d0\uac8c \ubcf4\uc0c1\uc744 \uccad\uad6c\ud560 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub300\ud574 \ub9ce\uc740 \ubd84\ub4e4\uc774 \ud63c\ub780\uc744 \uacaa\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uac01 \uc8fc\ub9c8\ub2e4 \ubcf4\ud5d8\uacfc \uacfc\uc2e4 \uc5ec\ubd80\uc5d0 \ub300\ud55c \ubc95\ub960\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \ub354\uc6b1 \ubcf5\uc7a1\ud558\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774 \uce7c\ub7fc\uc5d0\uc11c\ub294 \ub274\uc800\uc9c0\uc640 \uc778\uc811\ud55c \uc8fc\ub4e4\uc744 \uc911\uc2ec\uc73c\ub85c, \ud0c0\uc8fc\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\uac00 \ubc1c\uc0dd\ud55c \uacbd\uc6b0\uc758 \uce58\ub8cc \ubc0f \ubcf4\uc0c1 \uc808\ucc28\ub97c \uc815\ud655\ud558\uac8c \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n

No-Fault <\/strong>\uc8fc\uc640<\/strong> PIP<\/strong> (<\/strong>\uac1c\uc778<\/strong> \uc0c1\ud574<\/strong> \ubcf4\ud638<\/strong>) <\/strong>\uc81c\ub3c4<\/strong><\/h4>\n

\ubbf8\uad6d \uc77c\ubd80 \uc8fc, \ud2b9\ud788 \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc740 No-Fault (\ubb34\uacfc\uc2e4) \ubcf4\ud5d8 \uc81c\ub3c4\ub97c \ub3c4\uc785\ud558\uace0 \uc788\uc5b4, \uc6b4\uc804\uc790\ub4e4\uc740 \uc0ac\uace0 \ucc45\uc784\uc758 \uc720\ubb34\uc640 \uc0c1\uad00\uc5c6\uc774 \uc790\uc2e0\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \ud1b5\ud574 \uce58\ub8cc\ube44\ub97c \ubcf4\uc7a5\ubc1b\uc2b5\ub2c8\ub2e4. \uc774 \ubcf4\ud5d8 \ub0b4\uc5ed \uc911 \ud558\ub098\uac00 \ubc14\ub85c PIP (Personal Injury Protection, \uac1c\uc778 \uc0c1\ud574 \ubcf4\ud638)\uc785\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4, \ub274\uc800\uc9c0 \ub610\ub294 \ub274\uc695\uc5d0 \uac70\uc8fc\ud558\ub294 \uc6b4\uc804\uc790\uac00 \ub2e4\ub978 \uc8fc\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud588\ub354\ub77c\ub3c4, \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 \uc790\uc2e0\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \ud3ec\ud568\ub41c PIP\ub97c \ud1b5\ud574 \uce58\ub8cc\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc758 \uacbd\uc6b0, \uae30\ubcf8\uc801\uc73c\ub85c \ucd5c\ub300 $250,000\uae4c\uc9c0\uc758 \uce58\ub8cc\ube44\ub97c PIP\uc5d0\uc11c \ubcf4\uc7a5\ud569\ub2c8\ub2e4 (N.J.A.C. 11:3-4.16).<\/p>\n

\ud0c0\uc8fc<\/strong> \uc6b4\uc804\uc790\uac00<\/strong> \ub274\uc800\uc9c0\uc5d0\uc11c<\/strong> \uc0ac\uace0\ub97c<\/strong> \ub2f9\ud55c<\/strong> \uacbd\uc6b0<\/strong>: Deemer Statute<\/strong> (<\/strong>\ubcf4\uc7a5<\/strong> \ud655\uc7a5<\/strong> \uc870\ud56d<\/strong>)<\/strong><\/h4>\n

\ub274\uc800\uc9c0\ub294 Deemer Statute(N.J.S.A. \u00a7 17:28-1.4)\ub77c\ub294 \ud2b9\ubcc4 \uaddc\uc815\uc744 \ud1b5\ud574, \ud0c0\uc8fc \ucc28\ub7c9\uc774 \ub274\uc800\uc9c0\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud574\ub3c4 \uc77c\uc815 \uc870\uac74\uc744 \ub9cc\uc871\ud558\uba74 \ub274\uc800\uc9c0\uc758 No-Fault \ubcf4\ud5d8 \uaddc\uc815\uc744 \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n

\uc870\uac74\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4: \ud574\ub2f9 \ucc28\ub7c9\uc758 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \ub274\uc800\uc9c0\uc5d0\uc11c ‘\uc601\uc5c5 \ud5c8\uac00 (licensed to do business in NJ)’\ub97c \ubc1b\uc740 \uacbd\uc6b0, \uc6b4\uc804\uc790\ub294 \ub274\uc800\uc9c0\uc758 PIP \uae30\uc900 ($250,000\uae4c\uc9c0)\uc744 \uc801\uc6a9\ubc1b\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\uc6b0, \ud0c0\uc8fc \uc6b4\uc804\uc790\ub3c4 \uc0ac\uace0 \ud6c4 \uc989\uc2dc \uc790\uc2e0\uc758 \ubcf4\ud5d8\uc744 \ud1b5\ud574 \uce58\ub8cc\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud558\uc9c0\ub9cc \uc8fc\uc758\ud560 \uc810\uc740 \ubaa8\ub4e0 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \ub274\uc800\uc9c0\uc5d0\uc11c \uc601\uc5c5\ud558\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0, \uc790\uc2e0\uc758 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \ub274\uc800\uc9c0\uc5d0 \ub4f1\ub85d\ub3fc \uc788\ub294 \ud68c\uc0ac\uc778\uc9c0 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c Deemer Statute\ub294 \uc8fc\ub85c \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\uc5d0 \uad00\ud55c \uc0ac\ud56d\uc774\uc9c0, \uc18c\uc1a1 \uac00\ub2a5\uc131\uc774\ub098 \uc804\uccb4 \uc190\ud574\ubc30\uc0c1\uc744 \ud3ec\ud568\ud558\uc9c0 \uc54a\uc73c\ubbc0\ub85c, \ubcf4\ub2e4 \uad6c\uccb4\uc801\uc778 \uad8c\ub9ac\ub294 \ubc95\ub960 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub274\uc800\uc9c0<\/strong> \uac70\uc8fc\uc790\uac00<\/strong> \ud0c0\uc8fc\uc5d0\uc11c<\/strong> \uc0ac\uace0\ub97c<\/strong> \ub2f9\ud55c<\/strong> \uacbd\uc6b0<\/strong><\/h4>\n

\ubc18\ub300\ub85c, \ub274\uc800\uc9c0 \uac70\uc8fc\uc790\uac00 \ubc84\uc9c0\ub2c8\uc544, \ucf54\ub124\ud2f0\ucef7\ucc98\ub7fc At-Fault (\uc720\ucc45\ucc45\uc784) \uc8fc\ub85c \uc5ec\ud589\uc744 \uac14\ub2e4\uac00 \uad50\ud1b5\uc0ac\uace0\ub97c \ub2f9\ud55c \uacbd\uc6b0\uc5d0\ub3c4, \uc790\uc2e0\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8(PIP)\uc744 \ud1b5\ud574 \uae30\ubcf8\uc801\uc778 \uce58\ub8cc\ube44\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \ubcf4\uc7a5\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadf8\ub7ec\ub098 \uc911\uc694\ud55c \ucc28\uc774\uc810\uc740 \uc0ac\uace0\uac00 \ub09c \uc8fc\uc758 \ubc95\uc774 \uacfc\uc2e4 \uae30\uc900\uc73c\ub85c \uc801\uc6a9\ub418\ubbc0\ub85c, \uc0ac\uace0\uc5d0 \ub300\ud55c \ucc45\uc784, \uc190\ud574\ubc30\uc0c1 \uccad\uad6c \ubc29\uc2dd, \ud569\uc758 \uc5ec\ubd80 \ub4f1\uc740 \uadf8 \uc8fc\uc758 \ubcf4\ud5d8 \ubc95\ub960 \ubc0f \uc18c\uc1a1 \uc81c\ub3c4\uc5d0 \ub530\ub974\uac8c \ub429\ub2c8\ub2e4. \uc774 \uacbd\uc6b0, \ud574\ub2f9 \uc8fc\uc5d0 \ub4f1\ub85d\ub41c \ub85c\uceec \ubcc0\ud638\uc0ac\uc640\uc758 \uc0c1\ub2f4\uc774 \uac15\ub825\ud788 \uad8c\uc7a5\ub429\ub2c8\ub2e4.<\/p>\n

\uce58\ub8cc\ub294<\/strong> \ub2a6\uc9c0<\/strong> \uc54a\uac8c<\/strong>, <\/strong>\ubc95\ub960<\/strong> \uc0c1\ub2f4\uc740<\/strong> \ube60\ub974\uac8c<\/strong><\/h4>\n

\ud0c0\uc8fc\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud588\ub354\ub77c\ub3c4, \uce58\ub8cc\ub97c \ubbf8\ub8e8\uc9c0 \ub9d0\uace0 \uac00\ub2a5\ud55c \ud55c \ube68\ub9ac \uc9c4\ub8cc\ub97c \ubc1b\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uce58\ub8cc\ub97c \uc9c0\uc5f0\ud560 \uacbd\uc6b0 \uc99d\uc0c1\uc774 \uc545\ud654\ub420 \uc218 \uc788\uace0, \ubcf4\ud5d8\uc0ac\uc5d0\uc11c “\uc0ac\uace0\uc640\uc758 \uc778\uacfc\uad00\uacc4”\ub97c \ubb38\uc81c \uc0bc\uc544 \uce58\ub8cc\ube44 \uc9c0\uae09\uc744 \uac70\ubd80\ud558\uac70\ub098 \ucd95\uc18c\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\ub610\ud55c \uad50\ud1b5\uc0ac\uace0 \uc774\ud6c4 \uc808\ucc28\ub294 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud55c \uc8fc\uc758 \ubc95\uc774 \uc801\uc6a9\ub418\uae30 \ub54c\ubb38\uc5d0, \uac70\uc8fc\uc9c0\uc640 \uc0ac\uace0\uc9c0 \uc591\ucabd\uc758 \ubc95\ub960 \uc804\ubb38\uac00 \uc0c1\ub2f4\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uac00\ub2a5\ud55c \ub9ce\uc740 \uc815\ubcf4\ub97c \uc0ac\uace0 \uc9c1\ud6c4 \ud655\ubcf4\ud558\uace0, \ubc95\uc801\uc778 \ub300\uc751 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \ud5a5\ud6c4 \ubcf4\uc0c1 \uacb0\uacfc\uc5d0 \ud070 \uc601\ud5a5\uc744 \ub07c\uce58\uac8c \ub429\ub2c8\ub2e4.<\/p>\n

\uacb0\ub860<\/strong><\/h4>\n

\ubbf8\uad6d\uc5d0\uc11c\ub294 \uc8fc\ub9c8\ub2e4 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uaddc\uc815 \ubc0f \uc0ac\uace0 \ucc45\uc784 \uae30\uc900\uc774 \ub2e4\ub974\ubbc0\ub85c, \ud0c0\uc8fc\uc5d0\uc11c \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\uc744 \uacbd\uc6b0 \ubcf4\ub2e4 \uc138\uc2ec\ud55c \ubc95\uc801 \ub300\uc751\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc790\uc2e0\uc758 \ubcf4\ud5d8 (PIP)\uc774 \ud0c0\uc8fc\uc5d0\uc11c\ub3c4 \uc801\uc6a9\ub418\ub294\uc9c0 \ud655\uc778\ud558\uace0, \uc0ac\uace0 \ubc1c\uc0dd \uc8fc\uc758 \ubcf4\ud5d8\ubc95\uacfc \ucc45\uc784 \uad6c\uc870\ub97c \ud30c\uc545\ud558\uba70, \ud574\ub2f9 \uc9c0\uc5ed \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ubc1b\uc544 \ucd5c\uc801\uc758 \ubcf4\uc0c1\uacfc \uce58\ub8cc \uc808\ucc28\ub97c \ub530\ub974\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\ub274\uc695<\/strong>\u00b7<\/strong>\ub274\uc800\uc9c0<\/strong> \uad50\ud1b5\uc0ac\uace0<\/strong> \uc804\ubb38<\/strong> \uc1a1\ub3d9\ud638<\/strong> \uc885\ud569\ub85c\ud38c<\/strong><\/h4>\n

\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc740 \ub274\uc695\uacfc \ub274\uc800\uc9c0 \uc9c0\uc5ed\uc758 \uad50\ud1b5\uc0ac\uace0 \ubc0f \uc0c1\ud574 \uc0ac\uac74\uc5d0 \ud2b9\ud654\ub41c \uc804\ubb38 \ub85c\ud38c\uc73c\ub85c, Deemer \uc870\ud56d, PIP \ubcf4\uc7a5, \uacfc\uc2e4 \ub2e4\ud23c \ub4f1 \ubcf5\uc7a1\ud55c \ubcf4\ud5d8 \ubb38\uc81c\ub97c \uba85\ud655\ud558\uac8c \ubd84\uc11d\ud558\uace0, \uc2e0\uc18d\ud55c \uce58\ub8cc \ubc0f \ucd5c\ub300\ud55c\uc758 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub274\uc695\uc774\ub098 \ub274\uc800\uc9c0\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\ub97c \ub2f9\ud558\uc168\uac70\ub098, \ud0c0\uc8fc\uc5d0\uc11c \uc0ac\uace0 \ud6c4 \ub274\uc695\u00b7\ub274\uc800\uc9c0 \uc9c0\uc5ed\uc73c\ub85c \ub3cc\uc544\uc640 \uce58\ub8cc\uc640 \ubcf4\uc0c1 \ubb38\uc81c\ub85c \uace0\ubbfc \uc911\uc774\uc2dc\ub77c\uba74, \ud63c\ub780\uc2a4\ub7ec\uc6b4 \ubc95\uc801 \ubb38\uc81c\ub97c \uc815\ub9ac\ud558\uace0 \uc758\ub8b0\uc778 \uc5ec\ub7ec\ubd84\uc774 \uce58\ub8cc\uc640 \ubcf4\uc0c1\uc5d0\ub9cc \uc9d1\uc911\ud560 \uc218 \uc788\ub3c4\ub85d \uc800\ud76c\uac00 \ub05d\uae4c\uc9c0 \ud568\uaed8\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub274\uc695\u00b7\ub274\uc800\uc9c0\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\ub97c \ub2f9\ud558\uc168\ub098\uc694? \uc9c0\uae08 \ubc14\ub85c 201-461-0031\ub85c \uc804\ud654\ud558\uc2dc\uac70\ub098 pi@songlawfirm.com<\/a>\uc73c\ub85c \uc774\uba54\uc77c\uc744 \ubcf4\ub0b4 \uc0c1\ub2f4\uc744 \uc608\uc57d\ud558\uc138\uc694.<\/p>\n

\uba74\ucc45<\/em><\/strong> \uc870\ud56d<\/em><\/strong>:<\/em><\/strong> \ubcf8<\/em> \uce7c\ub7fc\uc740<\/em> \uc77c\ubc18\uc801\uc778<\/em> \uc815\ubcf4<\/em> \uc81c\uacf5\ub9cc\uc744<\/em> \ubaa9\uc801\uc73c\ub85c<\/em> \ud558\uba70<\/em>, <\/em>\uac1c\ubcc4<\/em> \uc0ac\ub840\uc5d0<\/em> \ub300\ud55c<\/em> \ubc95\ub960<\/em> \uc790\ubb38\uc774<\/em> \uc544\ub2d9\ub2c8\ub2e4<\/em>. <\/em>\uad6c\uccb4\uc801\uc778<\/em> \ubc95\uc801<\/em> \ud310\ub2e8<\/em> \ubc0f<\/em> \uc870\uce58\ub97c<\/em> \uc704\ud574\uc11c\ub294<\/em> \ubc18\ub4dc\uc2dc<\/em> \ubcc0\ud638\uc0ac\uc640<\/em> \ubcc4\ub3c4\uc758<\/em> \uc0c1\ub2f4\uc744<\/em> \ubc1b\uc73c\uc2dc\uae30<\/em> \ubc14\ub78d\ub2c8\ub2e4<\/em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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