{"id":22699,"date":"2025-08-14T16:45:30","date_gmt":"2025-08-14T20:45:30","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=22699"},"modified":"2025-08-14T16:45:30","modified_gmt":"2025-08-14T20:45:30","slug":"%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%eb%89%b4%ec%9a%95-%eb%89%b4%ec%a0%80%ec%a7%80-%eb%b9%84%ea%b5%90%ea%b3%bc%ec%8b%a4-%eb%b6%80%eb%b6%84-%ea%b3%bc%ec%8b%a4%ec%9d%b4-%ec%86%90%ed%95%b4%eb%b0%b0","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%eb%89%b4%ec%9a%95-%eb%89%b4%ec%a0%80%ec%a7%80-%eb%b9%84%ea%b5%90%ea%b3%bc%ec%8b%a4-%eb%b6%80%eb%b6%84-%ea%b3%bc%ec%8b%a4%ec%9d%b4-%ec%86%90%ed%95%b4%eb%b0%b0\/","title":{"rendered":"\uad50\ud1b5\uc0ac\uace0, \ub274\uc695 \ub274\uc800\uc9c0 \ube44\uad50\uacfc\uc2e4: \ubd80\ubd84 \uacfc\uc2e4\uc774 \uc190\ud574\ubc30\uc0c1\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5"},"content":{"rendered":"<p>\uc0ac\uace0\uc5d0\uc11c \ubd80\ubd84\uc801\uc778 \uacfc\uc2e4\uc774 \uc788\uc5c8\ub2e4\uace0 \ud574\uc11c \uc190\ud574\ubc30\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc5c6\ub2e4\uace0 \ub2e8\uc815\ud558\uc9c0 \ub9c8\uc138\uc694. \ub274\uc695\uacfc \ub274\uc800\uc9c0 \ubaa8\ub450 \ube44\uad50\uacfc\uc2e4(comparative negligence) \uc6d0\uce59\uc5d0 \ub530\ub77c \uc5ec\ub7ec \ub2f9\uc0ac\uc790\uac00 \ucc45\uc784\uc744 \uacf5\uc720\ud560 \ub54c \uc190\ud574\ubc30\uc0c1\uc561\uc744 \uc0b0\uc815\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\uc6c3\ud55c \ub450 \uc8fc\ub294 \ub9e4\uc6b0 \ub2e4\ub978 \uaddc\uce59\uc744 \uc801\uc6a9\ud558\ubbc0\ub85c, \ub3d9\uc77c\ud55c \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc804\ud600 \ub2e4\ub978 \uacb0\uacfc\uac00 \ub098\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h5><strong>\ube44\uad50\uacfc\uc2e4\uc758 <\/strong><strong>\uc774\ud574<\/strong><\/h5>\n<p>\ube44\uad50\uacfc\uc2e4\uc740 \uc0ac\uace0 \uad00\ub828 \uac01 \ub2f9\uc0ac\uc790\uc5d0\uac8c \uacfc\uc2e4 \ube44\uc728\uc744 \ud560\ub2f9\ud55c \ud6c4, \uadf8\uc5d0 \ub530\ub77c \uae08\uc804\uc801 \uc190\ud574\ubc30\uc0c1\uc744 \uc870\uc815\ud558\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uae30\uc5ec\uacfc\uc2e4(contributory negligence)\ub85c \uc778\ud574 \ubc30\uc0c1\uc744 \uc644\uc804\ud788 \ucc28\ub2e8\ud558\ub294 \ub300\uc2e0, \uadc0\ud558\uc758 \uacfc\uc2e4 \uc815\ub3c4\uc5d0 \ube44\ub840\ud558\uc5ec \ubc30\uc0c1\uc561\uc744 \uac10\uc561\ud569\ub2c8\ub2e4.<\/p>\n<h5><strong>\ub274\uc695: <\/strong><strong>\uc21c\uc218 <\/strong><strong>\ube44\uad50\uacfc\uc2e4 (CPLR \u00a71411)<\/strong><\/h5>\n<p>\ub274\uc695\uc740 &#8220;\uc21c\uc218(pure)&#8221; \ube44\uad50\uacfc\uc2e4 \uc81c\ub3c4\ub97c \ub530\ub985\ub2c8\ub2e4. \ubc30\uc0c1\uc561\uc740 \uadc0\ud558\uc758 \uacfc\uc2e4 \ube44\uc728\ub9cc\ud07c \uac10\uc18c\ud558\uc9c0\ub9cc, \ucc45\uc784 \uc815\ub3c4\uc640 \uad00\uacc4\uc5c6\uc774\u201410%\ub4e0 99%\ub4e0\u2014\uc190\ud574\ubc30\uc0c1\uc744 \ubc1b\uc744 \uad8c\ub9ac\ub294 \uc720\uc9c0\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, \ucd1d \uc190\ud574\uc561\uc774 $100,000\uc774\uace0 \uadc0\ud558\uac00 25%\uc758 \ucc45\uc784\uc774 \uc788\ub2e4\uba74 $75,000\uc744 \ubc1b\uac8c \ub429\ub2c8\ub2e4. 60%\uc758 \uacfc\uc2e4\uc774 \uc788\uc5b4\ub3c4 \uc5ec\uc804\ud788 $40,000\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud53c\uace0\uac00 \uacf5\ub3d9 \ucc45\uc784\uc744 \uc8fc\uc7a5\ud560 \uc218\ub294 \uc788\uc9c0\ub9cc, \uacbd\ucc30 \ubcf4\uace0\uc11c, \uac10\uc2dc \uc601\uc0c1, \ubaa9\uaca9\uc790 \uc99d\uc5b8, \uc804\ubb38\uac00\uc758 \uc0ac\uace0 \uc7ac\uad6c\uc131, \uc758\ub8cc \uae30\ub85d \ub4f1 \uad6c\uccb4\uc801\uc778 \uc99d\uac70\ub85c \uc785\uc99d\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub274\uc695\uc758 \uc790\ub3d9\ucc28 \uc0ac\uace0 \uccad\uad6c\ub294 \uc774\uc911 \ud2b8\ub799 \uc2dc\uc2a4\ud15c\uc744 \ub530\ub985\ub2c8\ub2e4. \ubb34\uacfc\uc2e4 PIP \uae09\uc5ec\u2014\uc77c\ubc18\uc801\uc73c\ub85c \uc758\ub8cc\ube44\uc640 \uc784\uae08 \uc190\uc2e4\uc5d0 \ub300\ud574 \ucd5c\ub300 $50,000\u2014\ub294 \uacfc\uc2e4\uacfc \uad00\uacc4\uc5c6\uc774 \uac10\uc561 \uc5c6\uc774 \uc9c0\uae09\ub429\ub2c8\ub2e4. \ubcf4\ud5d8\ubc95 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \uc911\uc0c1\uc758 \uacbd\uc6b0, \uc644\uc804\ud55c \ubd88\ubc95\ud589\uc704 \uc190\ud574\ubc30\uc0c1(\uace0\ud1b5\uacfc \uad34\ub85c\uc6c0 \ud3ec\ud568)\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uadc0\ud558\uc758 \uacfc\uc2e4 \ube44\uc728\ub9cc\ud07c \uac10\uc561\ub429\ub2c8\ub2e4.<\/p>\n<h5><strong>\ub274\uc800\uc9c0: <\/strong><strong>\uc218\uc815 <\/strong><strong>\ube44\uad50\uacfc\uc2e4 (N.J.S.A. 2A:15-5.1)<\/strong><\/h5>\n<p>\ub274\uc800\uc9c0\ub294 \uc911\uc694\ud55c \uae30\uc900\uc810\uc774 \uc788\ub294 &#8220;\uc218\uc815(modified)&#8221; \uc81c\ub3c4\ub97c \ucc44\ud0dd\ud569\ub2c8\ub2e4. \uadc0\ud558\uc758 \uacfc\uc2e4\uc774 50%\ub97c \ucd08\uacfc\ud558\uc9c0 \uc54a\uc744 \ub54c\ub9cc \ubc30\uc0c1\uc774 \ud5c8\uc6a9\ub429\ub2c8\ub2e4. 51% \uc774\uc0c1\uc758 \uacfc\uc2e4 \uc2dc \ubc30\uc0c1\uc740 \uc644\uc804\ud788 \ucc28\ub2e8\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uadf9\uba85\ud55c \ucc28\uc774\ub97c \ubcf4\uc138\uc694: \uc190\ud574\uc561\uc774 $100,000\uc774\uace0 50% \uacfc\uc2e4\uc774\uba74 $50,000\uc744 \ubc1b\uc2b5\ub2c8\ub2e4. 51% \uacfc\uc2e4\uc774\uba74? \ubc30\uc0c1\uc561\uc740 0\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubcf5\uc218\uc758 \ud53c\uace0\uac00 \uad00\ub828\ub41c \uacbd\uc6b0, \ub274\uc800\uc9c0\uc758 60% \uaddc\uce59\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4(N.J.S.A. 2A:15-5.3). \ucd5c\uc18c 60%\uc758 \uacfc\uc2e4\uc774 \uc788\ub294 \ud53c\uace0\ub294 \uc804\uccb4 \ud310\uacb0\uc561\uc5d0 \ub300\ud574 \ucc45\uc784\uc744 \uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uacf5\ub3d9 \ud53c\uace0\uc5d0 \ub300\ud55c \uad6c\uc0c1\uad8c \ud3ec\ud568). 60% \ubbf8\ub9cc\uc778 \uacbd\uc6b0 \uac01\uc790\uc758 \ube44\ub840 \ubaab\ub9cc \uc9c0\ubd88\ud569\ub2c8\ub2e4. \uacf5\uacf5\uae30\uad00\uc5d0 \ub300\ud55c \uccad\uad6c\ub294 \ubd88\ubc95\ud589\uc704\uccad\uad6c\ubc95(Tort Claims Act)\uc758 \uc801\uc6a9\uc744 \ubc1b\uc73c\uba70, \uc815\ubd80 \ud53c\uace0\ub294 \uc815\ud655\ud55c \uacfc\uc2e4 \ube44\uc728\ub9cc \uc9c0\ubd88\ud569\ub2c8\ub2e4.<\/p>\n<h5><strong>\uacfc\uc2e4 <\/strong><strong>\ube44\uc728\uc774 <\/strong><strong>\uc911\uc694\ud55c <\/strong><strong>\uc774\uc720<\/strong><\/h5>\n<p>\ubcf4\ud5d8\ud68c\uc0ac\ub294 \uc9c0\uae09\uc561\uc744 \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud574 \uadc0\ud558\uc758 \uacfc\uc2e4\uc744 \ucd5c\ub300\ud55c \ub192\uc774\ub824\ub294 \uac15\ub825\ud55c \uc7ac\uc815\uc801 \ub3d9\uae30\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uc804\uc220:<\/p>\n<ul>\n<li>\ub179\uc74c\ub41c \uc9c4\uc220\uc744 \uc11c\ub450\ub974\uac8c \ud568<\/li>\n<li>\uc120\ud0dd\uc801 \uc99d\uac70 \uc81c\uc2dc<\/li>\n<li>\ubd80\ud480\ub824\uc9c4 \uacfc\uc2e4 \ud3c9\uac00\uc5d0 \uae30\ubc18\ud55c \ub0ae\uc740 \ud569\uc758 \uc81c\uc548<\/li>\n<\/ul>\n<p>\ubcf4\ud5d8\uc0ac\uac00 \ubd88\uacf5\uc815\ud55c \uacfc\uc2e4 \ube44\uc728\uc744 \ud560\ub2f9\ud560 \ub54c, \uadc0\ud558\uc5d0\uac8c\ub294 \uc120\ud0dd\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4: \ub0b4\ubd80\uc801\uc73c\ub85c \uc774\uc758\uc81c\uae30, \uc634\ubd80\uc988\ub9e8 \uac80\ud1a0 \uc694\uccad(\uc790\ub3d9\ucc28 \uccad\uad6c\uc758 \uacbd\uc6b0), \ub610\ub294 \ubc95\uc6d0 \uc18c\uc1a1\u2014\uc5ec\uae30\uc11c\ub294 \ubcf4\ud5d8 \uc870\uc815\uc778\uc774 \uc544\ub2cc \uc99d\uac70\uac00 \uacfc\uc2e4 \ud560\ub2f9\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n<h5><strong>\uadc0\ud558\uc758 <\/strong><strong>\uad8c\ub9ac <\/strong><strong>\ubcf4\ud638: <\/strong><strong>\ud544\uc218 <\/strong><strong>\uc870\uce58<\/strong><\/h5>\n<p>\ubaa8\ub4e0 \ud589\ub3d9\uc744 \uc7a0\uc7ac\uc801 \uc99d\uac70\ub85c \ucde8\uae09\ud558\uc138\uc694. \uc911\uc694\ud55c \uc870\uce58:<\/p>\n<ul>\n<li>\uc0ac\uace0 \ud604\uc7a5\uacfc \ubd80\uc0c1\uc744 \uc989\uc2dc \uae30\ub85d<\/li>\n<li>\ubaa9\uaca9\uc790 \uc5f0\ub77d\ucc98 \uc218\uc9d1<\/li>\n<li>\ubaa8\ub4e0 \uc0ac\uc9c4\uacfc \ube44\ub514\uc624 \uc99d\uac70 \ubcf4\uc874<\/li>\n<li>\uacf5\uc2dd \uacbd\ucc30 \ubcf4\uace0\uc11c \ud655\ubcf4<\/li>\n<li>\uc778\uacfc\uad00\uacc4 \ud655\ub9bd\uc744 \uc704\ud55c \uc989\uac01\uc801\uc778 \uc758\ub8cc \uce58\ub8cc<\/li>\n<li>\uc790\ubc31\uc73c\ub85c \ud574\uc11d\ub420 \uc218 \uc788\ub294 \uc9c4\uc220 \ud68c\ud53c (&#8220;\uc81c\uac00 \ubd24\uc5b4\uc57c \ud588\ub294\ub370&#8221;)<\/li>\n<li>\uc99d\uac70 \ubcf4\uc874\uacfc \ubcf4\ud5d8 \uc804\ub7b5 \ub300\uc751\uc744 \uc704\ud574 \uac1c\uc778\uc0c1\ud574 \ubcc0\ud638\uc0ac\uc640 \uc2e0\uc18d\ud788 \uc0c1\ub2f4<\/li>\n<\/ul>\n<h5><strong>\uacb0\ub860<\/strong><\/h5>\n<p>\ub274\uc695\uc758 \uc21c\uc218 \ube44\uad50\uacfc\uc2e4 \uc81c\ub3c4\ub294 \uc0c1\ub2f9\ud55c \uacfc\uc2e4\uc774 \uc788\uc5b4\ub3c4 \ubc30\uc0c1\uc744 \ud5c8\uc6a9\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 50% \uae30\uc900 \uc774\ud558\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc808\ub300\uc801\uc73c\ub85c \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e4\ub978 \uae30\uc900\uc740 \ud5c8\ub4dc\uc2a8 \uac15 \uc5b4\ub290 \ucabd\uc5d0\uc11c \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\ub294\uc9c0\uc5d0 \ub530\ub77c \ub3d9\uc77c\ud55c \uc0ac\uace0\uac00 \uadf9\uc801\uc73c\ub85c \ub2e4\ub978 \uacb0\uacfc\ub97c \ub0b3\uc744 \uc218 \uc788\uc74c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uaddc\uce59\uc744 \uc774\ud574\ud558\uace0 \uccab\ub0a0\ubd80\ud130 \uac15\ub825\ud55c \uc99d\uac70 \uae30\ubc18\uc744 \uad6c\ucd95\ud558\ub294 \uac83\uc774 \uacf5\uc815\ud55c \ubcf4\uc0c1\uc744 \ubc1b\ub290\ub0d0 \uc544\ubb34\uac83\ub3c4 \ubc1b\uc9c0 \ubabb\ud558\ub290\ub0d0\ub97c \uacb0\uc815\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<h5><strong>\uad50\ud1b5\uc0ac\uace0\ub85c <\/strong><strong>\ub2e4\uce58\uc168\ub098\uc694? <\/strong><strong>\uc1a1\ub3d9\ud638 <\/strong><strong>\uc885\ud569\ub85c\ud38c\uc774 <\/strong><strong>\ub3c4\uc640\ub4dc\ub9bd\ub2c8\ub2e4<\/strong><\/h5>\n<p>\ub274\uc695\uc774\ub098 \ub274\uc800\uc9c0\uc5d0\uc11c \ubd80\uc0c1\uc744 \uc785\uace0 &#8220;\ubd80\ubd84\uc801\uc73c\ub85c \uacfc\uc2e4\uc774 \uc788\ub2e4&#8221;\ub294 \ub9d0\uc744 \ub4e4\uc73c\uc168\ub098\uc694? \uc804\ubb38\uc801\uc778 \ud3c9\uac00 \uc5c6\uc774 \uadf8 \ud310\ub2e8\uc744 \ubc1b\uc544\ub4e4\uc774\uc9c0 \ub9c8\uc138\uc694. \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc5d0 201-461-0031\ub85c \uc804\ud654\ud558\uac70\ub098 <a href=\"mailto:pi@songlawfirm.com\">pi@songlawfirm.com<\/a>\uc73c\ub85c \uc774\uba54\uc77c\uc744 \ubcf4\ub0b4 \ubb34\ub8cc \uc0c1\ub2f4\uc744 \uc608\uc57d\ud558\uc138\uc694. \uc800\ud76c\ub294 \ucc45\uc784 \uc694\uc18c\ub97c \ubd84\uc11d\ud558\uace0, \uc911\uc694\ud55c \uc99d\uac70\ub97c \ubcf4\uc874\ud558\uba70, \uacfc\uc2e4\uc774 \ub17c\ub780\uc774 \ub418\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \uadc0\ud558\uc758 \ubc30\uc0c1\uc744 \ucd5c\ub300\ud654\ud558\uae30 \uc704\ud574 \uc2f8\uc6b8 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p><strong><em>\uba74\ucc45\uc870\ud56d<\/em><\/strong><strong><em>:<\/em><\/strong> <em>\uc774<\/em> <em>\uce7c\ub7fc\uc740<\/em> <em>\uc77c\ubc18\uc801\uc778<\/em> <em>\ubc95\ub960<\/em> <em>\uc815\ubcf4\ub97c<\/em> <em>\uc81c\uacf5\ud558\uba70<\/em> <em>\ubc95\uc801<\/em> <em>\uc870\uc5b8\uc73c\ub85c<\/em> <em>\ud574\uc11d\ub418\uc5b4\uc11c\ub294<\/em> <em>\uc548<\/em> <em>\ub429\ub2c8\ub2e4<\/em><em>. <\/em><em>\uc0ac\uac74<\/em> <em>\uacb0\uacfc\ub294<\/em> <em>\uad6c\uccb4\uc801\uc778<\/em> <em>\uc0ac\uc2e4\uacfc<\/em> <em>\uc801\uc6a9<\/em> <em>\ubc95\ub960\uc5d0<\/em> <em>\ub530\ub77c<\/em> <em>\ub2ec\ub77c\uc9d1\ub2c8\ub2e4<\/em><em>. <\/em><em>\uadc0\ud558\uc758<\/em> <em>\ud2b9\uc815<\/em> <em>\uc0c1\ud669\uc5d0<\/em> <em>\ub300\ud55c<\/em> <em>\uc9c0\uce68\uc740<\/em> <em>\ubcc0\ud638\uc0ac\uc640<\/em> <em>\uc0c1\ub2f4\ud558\uc138\uc694<\/em><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0ac\uace0\uc5d0\uc11c \ubd80\ubd84\uc801\uc778 \uacfc\uc2e4\uc774 \uc788\uc5c8\ub2e4\uace0 \ud574\uc11c \uc190\ud574\ubc30\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc5c6\ub2e4\uace0 \ub2e8\uc815\ud558\uc9c0 \ub9c8\uc138\uc694. \ub274\uc695\uacfc \ub274\uc800\uc9c0 \ubaa8\ub450 \ube44\uad50\uacfc\uc2e4(comparative negligence) \uc6d0\uce59\uc5d0 \ub530\ub77c \uc5ec\ub7ec \ub2f9\uc0ac\uc790\uac00 \ucc45\uc784\uc744 \uacf5\uc720\ud560 \ub54c \uc190\ud574\ubc30\uc0c1\uc561\uc744 \uc0b0\uc815\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\uc6c3\ud55c \ub450 \uc8fc\ub294 \ub9e4\uc6b0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22700,"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 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