{"id":23177,"date":"2025-11-29T01:15:34","date_gmt":"2025-11-29T06:15:34","guid":{"rendered":"https:\/\/songlawfirm.com\/%eb%89%b4%ec%a0%80%ec%a7%80%c2%b7%eb%89%b4%ec%9a%95-%eb%ac%b4%eb%b3%b4%ed%97%98%c2%b7%eb%b6%80%ec%a1%b1-%eb%b3%b4%ed%97%98-%ec%9a%b4%ec%a0%84%ec%9e%90-%ec%82%ac%ea%b3%a0-%ec%9e%90%eb%8f%99%ec%b0%a8\/"},"modified":"2025-11-29T01:15:34","modified_gmt":"2025-11-29T06:15:34","slug":"%eb%89%b4%ec%a0%80%ec%a7%80%c2%b7%eb%89%b4%ec%9a%95-%eb%ac%b4%eb%b3%b4%ed%97%98%c2%b7%eb%b6%80%ec%a1%b1-%eb%b3%b4%ed%97%98-%ec%9a%b4%ec%a0%84%ec%9e%90-%ec%82%ac%ea%b3%a0-%ec%9e%90%eb%8f%99%ec%b0%a8","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80%c2%b7%eb%89%b4%ec%9a%95-%eb%ac%b4%eb%b3%b4%ed%97%98%c2%b7%eb%b6%80%ec%a1%b1-%eb%b3%b4%ed%97%98-%ec%9a%b4%ec%a0%84%ec%9e%90-%ec%82%ac%ea%b3%a0-%ec%9e%90%eb%8f%99%ec%b0%a8\/","title":{"rendered":"\ub274\uc800\uc9c0\u00b7\ub274\uc695 \ubb34\ubcf4\ud5d8\u00b7\ubd80\uc871 \ubcf4\ud5d8 \uc6b4\uc804\uc790 \uc0ac\uace0: \uc790\ub3d9\ucc28\uc0ac\uace0 \ud53c\ud574\uc790\ub97c \ubcf4\ud638\ud558\ub294 \ubc29\ubc95"},"content":{"rendered":"<p>\ud1f4\uadfc \ud6c4 \uc9d1\uc73c\ub85c \ud5a5\ud558\ub358 \uc911 \uac11\uc791\uc2a4\ub7fd\uac8c \ub2e4\ub978 \ucc28\ub7c9\uc774 \ub4e4\uc774\ubc1b\ub294 \uc0ac\uace0\ub97c \ub2f9\ud588\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uc2ed\uc2dc\uc624. \ucda9\uaca9\ub3c4 \ucef8\uc9c0\ub9cc, \uc0ac\uace0\ub97c \ub0b8 \uc0c1\ub300 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc774 \uc804\ud600 \uc5c6\uac70\ub098, \ub610\ub294 \uac00\uc785\ud55c \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \ub2f9\uc2e0\uc758 \uce58\ub8cc\ube44\uc870\ucc28 \uac10\ub2f9\ud558\uc9c0 \ubabb\ud560 \uc815\ub3c4\ub85c \ub0ae\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ub4a4\ub2a6\uac8c \uc54c\uac8c \ub41c\ub2e4\uba74 \uc0c1\ud669\uc740 \ub354\uc6b1 \uc2ec\uac01\ud574\uc9d1\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0 \ud53c\ud574\uc790\ub4e4\uc774 \uc2e4\uc81c\ub85c \uc790\uc8fc \uacaa\ub294 \ubb38\uc81c\uc785\ub2c8\ub2e4. \ubcf4\ud5d8\uc5f0\uad6c\uc704\uc6d0\ud68c(Insurance Research Council)\uc5d0 \ub530\ub974\uba74, \ubbf8\uad6d \uc804\uccb4 \uc6b4\uc804\uc790\uc758 15.4%\uac00 \ubb34\ubcf4\ud5d8 \uc0c1\ud0dc\uc774\uba70 \ub274\uc800\uc9c0\ub294 \uc99d\uac00\ud3ed\uc774 \uac00\uc7a5 \ud070 \uc9c0\uc5ed \uc911 \ud558\ub098\ub85c \uc57d 14.1%, \ub274\uc695\uc740 8.6%\ub85c \uc9d1\uacc4\ub429\ub2c8\ub2e4. \uc774\ub294 \ub274\uc695\uc5d0\uc11c\ub3c4 \uc218\uc2ed\ub9cc \ub300\uc758 \ucc28\ub7c9\uc774 \ubcf4\ud5d8 \uc5c6\uc774 \ub3c4\ub85c\ub97c \uc8fc\ud589\ud558\uace0 \uc788\uc74c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc73c\ub85c \uc778\ud574 \uc81c\ud55c\uc801\uc778 \ubcf4\ud5d8 \uc0c1\ud488\uc73c\ub85c \uac08\uc544\ud0c0\uac70\ub098 \ubcf4\ud5d8\uc744 \uc544\uc608 \ud574\uc9c0\ud558\ub294 \uc6b4\uc804\uc790\uac00 \uc99d\uac00\ud558\uba74\uc11c, \ubb34\ubcf4\ud5d8(Uninsured Motorist, UM) \ub610\ub294 \ubd80\uc871 \ubcf4\ud5d8(Underinsured Motorist, UIM) \uc6b4\uc804\uc790\uac00 \uc77c\uc73c\ud0a4\ub294 \uc0ac\uace0\ub294 \uacc4\uc18d \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c UM\/UIM \ub2f4\ubcf4\uc758 \uac1c\ub150\uc744 \uc815\ud655\ud788 \uc774\ud574\ud558\ub294 \uac83\uc740 \uad50\ud1b5\uc0ac\uace0 \ud53c\ud574\uc790\uc5d0\uac8c \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ubb34\ubcf4\ud5d8<\/strong> <strong>\uc6b4\uc804\uc790\uac00<\/strong> <strong>\uc99d\uac00\ud558\ub294<\/strong> <strong>\ubb38\uc81c<\/strong><\/p>\n<p>\ub274\uc800\uc9c0\uc758 \uc790\ub3d9\ucc28 \ucc45\uc784\ubcf4\ud5d8 \ucd5c\uc18c\ud55c\ub3c4\ub294 \ucd5c\uadfc \ub450 \ub2e8\uacc4\uc758 \uc778\uc0c1 \uc870\uce58\ub97c \uac70\ucce4\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>2023<\/strong><strong>\ub144<\/strong> <strong>\uc774\uc804<\/strong><strong>:<\/strong> \uc2e0\uccb4\uc0c1\ud574 1\uc778\ub2f9 $15,000 \/ \uc0ac\uace0\ub2f9 $30,000, \uc7ac\uc0b0 \ud53c\ud574 $5,000<\/li>\n<li><strong>2023<\/strong><strong>\ub144<\/strong><strong> 1<\/strong><strong>\uc6d4<\/strong><strong> 1<\/strong><strong>\uc77c<\/strong><strong>:<\/strong> $25,000 \/ $50,000 \/ $25,000<\/li>\n<li><strong>2026<\/strong><strong>\ub144<\/strong><strong> 1<\/strong><strong>\uc6d4<\/strong><strong> 1<\/strong><strong>\uc77c<\/strong><strong>:<\/strong> $35,000 \/ $70,000 \/ $25,000<\/li>\n<\/ul>\n<p>\uadf8\ub7ec\ub098 \ub274\uc800\uc9c0\ub294 Basic Policy (\uae30\ubcf8\uc790\ub3d9\ucc28\ubcf4\ud5d8) \ub97c \ud5c8\uc6a9\ud558\uace0 \uc788\uc73c\uba70, \uc774 \ubcf4\ud5d8\uc740 \uc6b4\uc804\uc790\uac00 \uc120\ud0dd\ud558\uc9c0 \uc54a\ub294 \ud55c \uc2e0\uccb4\uc0c1\ud574\ubc30\uc0c1(BI) \ub2f4\ubcf4\uac00 \uc804\ud600 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc120\ud0dd \uc2dc \uc18c\uc561\uc758 \u2018mini-BI\u2019(10,000\ub2ec\ub7ec)\ub9cc \ucd94\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c UM\/UIM \ub2f4\ubcf4\ub3c4 \uc790\ub3d9 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc0c1\ub2f9\uc218 \uac00\ud574 \uc6b4\uc804\uc790\ub294 \ubc95\uc801\uc73c\ub85c \ud53c\ud574\uc790\uc758 \ubd80\uc0c1\uc5d0 \ub300\ud574 \uc9c0\uae09\ud560 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \u20180\u2019\uc778 \uc0c1\ud0dc\ub85c \uc6b4\uc804\ud558\uace0 \uc788\ub294 \uac83\uc774 \ud604\uc2e4\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubb3c\uac00 \uc0c1\uc2b9, \uc218\ub9ac\ube44 \uc99d\uac00, \ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc740 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc744 \ucd95\uc18c\ud558\uac70\ub098 \ud574\uc9c0\ud558\uac8c \ub9cc\ub4dc\ub294 \uc8fc\uc694 \uc694\uc778\uc785\ub2c8\ub2e4. \uac00\ud574 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud574 \uc788\ub354\ub77c\ub3c4, \ucd5c\uc18c\ud55c\ub3c4\ub85c\ub294 \uc751\uae09\uce58\ub8cc\u00b7\uac80\uc0ac\u00b7\ubb3c\ub9ac\uce58\ub8cc\u00b7\uc218\uc220\u00b7\uc7a5\uae30 \ud6c4\uc720\uc7a5\ud574 \ub4f1\uc744 \ubcf4\uc0c1\ud558\uae30\uc5d0 \ud131\uc5c6\uc774 \ubd80\uc871\ud55c \uc0ac\ub840\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>UM <\/strong><strong>\ubc0f<\/strong><strong> UIM <\/strong><strong>\ub2f4\ubcf4<\/strong> <strong>\uc774\ud574\ud558\uae30<\/strong><\/p>\n<p>UM\uc740 \uac00\ud574 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc774 \uc804\ud600 \uc5c6\uc744 \ub54c \uc801\uc6a9\ub429\ub2c8\ub2e4. UIM\uc740 \uac00\ud574\uc790\uac00 \ubcf4\ud5d8\uc740 \uc788\uc73c\ub098 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \ud53c\ud574\uc561\ubcf4\ub2e4 \ubd80\uc871\ud560 \ub54c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>UM\/UIM\uc740 \uac00\ud574\uc790\uc758 \ubcf4\ud5d8\uc774 \uc544\ub2cc, \ubcf8\uc778\uc758 \uc790\ub3d9\ucc28\ubcf4\ud5d8\uc5d0 \ud3ec\ud568\ub41c \ub2f4\ubcf4\uc774\uba70, \uc2ec\uac01\ud55c \ubd80\uc0c1 \uc0ac\uace0\uc758 \uacbd\uc6b0 UM\/UIM\uc774 \uc0ac\uc2e4\uc0c1 \uc720\uc77c\ud55c \ubcf4\uc0c1 \ud1b5\ub85c\uac00 \ub418\ub294 \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\ub274\uc800\uc9c0<\/strong><strong>: Standard vs. Basic Policies<\/strong><\/p>\n<ul>\n<li><strong>Standard Policy:<\/strong> \uc120\ud0dd\ud55c \ucc45\uc784\ubcf4\ud5d8 \ud55c\ub3c4\ub9cc\ud07c UM\/UIM\uc774 \uae30\ubcf8 \ud3ec\ud568\ub428<\/li>\n<li><strong>Basic Policy:<\/strong> BI\u00b7UM\/UIM \ubaa8\ub450 \uae30\ubcf8 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc74c(\uc120\ud0dd \uc2dc \ucd94\uac00 \uac00\ub2a5)<\/li>\n<li>\ub274\uc800\uc9c0\uc758 \uc18c\uc1a1\uc81c\ud55c \uc635\uc158(verbal threshold) \uc740 \ud1b5\uc99d\u00b7\uace0\ud1b5 \ubc30\uc0c1\uc744 \uc81c\ud55c\ud560 \uc218 \uc788\uc5b4, UM\/UIM \ub2f4\ubcf4\uc758 \uc911\uc694\uc131\uc774 \ub354\uc6b1 \ub192\uc544\uc9d1\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\ub274\uc695\uc758<\/strong><strong> UM\/UIM <\/strong><strong>\uc694\uac74<\/strong><\/p>\n<p>\ub274\uc695\uc8fc\ub294 \ubaa8\ub4e0 \uc6b4\uc804\uc790\uc5d0\uac8c \uc2e0\uccb4\uc0c1\ud574 1\uc778\ub2f9 $25,000 \/ \uc0ac\uace0\ub2f9 $50,000\uc758 \ucc45\uc784\ubcf4\ud5d8 \uac00\uc785\uc744 \uc758\ubb34\ud654\ud558\uace0 \uc788\uc73c\uba70, \uac19\uc740 \ud55c\ub3c4\uc758 UM \ub2f4\ubcf4 \ub610\ud55c \uc758\ubb34\uc801\uc73c\ub85c \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74 UIM\/SUM(\ubcf4\ucda9\uc801 \ubd80\uc871 \ubcf4\ud5d8 \ub2f4\ubcf4) \uc740 \uc120\ud0dd \uc0ac\ud56d\uc774\uc9c0\ub9cc \uc2e4\uc81c \uc758\ub8cc\ube44 \uc218\uc900\uacfc \uc18c\uc1a1 \uae30\uc900\uc744 \uace0\ub824\ud558\uba74 \ud53c\ud574\uc790 \ubcf4\ud638\ub97c \uc704\ud574 \ub9e4\uc6b0 \uc911\uc694\ud55c \ub2f4\ubcf4\uc785\ub2c8\ub2e4. SUM\uc740 \uae30\ubcf8 UM \ud55c\ub3c4\ub97c \ub118\uc5b4\uc11c\ub294 \ucd94\uac00 \ubcf4\uc0c1 \uccad\uad6c\ub97c \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\uad50\ud1b5\uc0ac\uace0<\/strong> <strong>\ud53c\ud574\uc790\uc758<\/strong><strong> UM\/UIM <\/strong><strong>\uccad\uad6c<\/strong> <strong>\uc808\ucc28<\/strong><\/p>\n<p>UM\/UIM \uccad\uad6c\ub294 \ub2e8\uc21c\ud55c \ubcf4\ud5d8 \uc811\uc218\uac00 \uc544\ub2c8\ub77c, \ubd80\uc0c1 \ud53c\ud574\uc790\uc5d0\uac8c \uc5ec\ub7ec \ub2e8\uacc4\uc758 \uc900\ube44\uc640 \uc99d\ube59\uc774 \uc694\uad6c\ub418\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc0ac\uace0 \uc9c1\ud6c4 \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uc5d0 \uc989\uc2dc \ud1b5\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>UIM\uc758 \uacbd\uc6b0, \uac00\ud574\uc790\uc758 \ucc45\uc784\ubcf4\ud5d8 \ud55c\ub3c4\ub97c \ubaa8\ub450 \uc18c\uc9c4\ud55c \ud6c4\uc5d0\ub9cc UIM\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n<li>\uce58\ub8cc \uae30\ub85d, \uc784\uae08 \uc190\uc2e4 \uc790\ub8cc, \ud5a5\ud6c4 \uce58\ub8cc \ud544\uc694\uc131, \ud1b5\uc99d\uacfc \ud6c4\uc720\uc7a5\ud574\uc5d0 \ub300\ud55c \uc99d\ube59 \ub4f1 \uad11\ubc94\uc704\ud55c \uc758\ud559\u00b7\uc7ac\uc815 \uc790\ub8cc\uac00 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/li>\n<li>\ubcf4\ud5d8\uc0ac\uac00 \uc190\ud574\uc561\uc744 \ucd95\uc18c\ud558\uac70\ub098 \ub2e4\ud234 \uacbd\uc6b0 \uc9c0\uc18d\uc801\uc778 \ud611\uc0c1 \ub610\ub294 \uc911\uc7ac \uc808\ucc28\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>UM\/UIM\uc740 \u201c\ub0b4 \ubcf4\ud5d8\u201d\uc744 \uc0c1\ub300\ub85c \uc9c4\ud589\ub418\uc9c0\ub9cc, \ubcf4\ud5d8\uc0ac\ub294 \uc9c0\uae09\uc561\uc744 \ucd5c\uc18c\ud654\ud558\ub824\ub294 \uc774\ud574\uad00\uacc4\ub97c \uac16\uace0 \uc788\uc5b4 \ub300\ub9bd\uc801\uc778 \uc808\ucc28\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\uc790\uc8fc<\/strong> <strong>\ubc1c\uc0dd\ud558\ub294<\/strong> <strong>\uc624\ud574<\/strong><\/p>\n<p>\ub9ce\uc740 \uc0ac\uace0 \ud53c\ud574\uc790\ub4e4\uc740 PIP\ub098 \uac74\uac15\ubcf4\ud5d8\uc774\uba74 \ucda9\ubd84\ud558\ub2e4\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<br \/>\n\uadf8\ub7ec\ub098 \uc774\ub4e4\uc740 \uc758\ub8cc\ube44\ub9cc \ubcf4\uc804\ud560 \ubfd0:<\/p>\n<ul>\n<li>\ud1b5\uc99d\u00b7\uace0\ud1b5<\/li>\n<li>\uc601\uad6c\uc7a5\ud574<\/li>\n<li>\uc7a5\uae30\uc801\uc778 \uc18c\ub4dd \uc190\uc2e4<\/li>\n<\/ul>\n<p>\uacfc \uac19\uc740 \ud575\uc2ec \uc190\ud574\ub294 \ubcf4\uc0c1\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c UM\/UIM\uc740 \uc5c4\uaca9\ud55c \ud1b5\uc9c0 \uc758\ubb34\uc640 \uc808\ucc28 \uc694\uac74\uc774 \uc788\uc5b4, \uce58\ub8cc \uc9c0\uc5f0\uc774\ub098 \ub2a6\uc740 \uc2e0\uace0\ub294 \ud53c\ud574\uc790\uc758 \ubcf4\uc0c1 \uac00\ub2a5\uc131\uc744 \ud06c\uac8c \uc57d\ud654\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\uc5b8\uc81c<\/strong> <strong>\ubcc0\ud638\uc0ac\uc5d0\uac8c<\/strong> <strong>\uc0c1\ub2f4\ud574\uc57c<\/strong> <strong>\ud560\uae4c<\/strong><\/p>\n<p>\uc544\ub798 \uc0c1\ud669\uc5d0 \ud574\ub2f9\ud55c\ub2e4\uba74 \ubc95\ub960\uc801 \uc870\ub825\uc774 \ud2b9\ud788 \uc911\uc694\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uac00\ud574 \uc6b4\uc804\uc790\uac00 \ubb34\ubcf4\ud5d8\uc774\uac70\ub098 \ub3c4\uc8fc\ud55c \uacbd\uc6b0<\/li>\n<li>\uac00\ud574\uc790 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \ubd80\uc0c1 \uc815\ub3c4\uc5d0 \ube44\ud574 \ud131\uc5c6\uc774 \ub0ae\uc740 \uacbd\uc6b0<\/li>\n<li>\uc0ac\uace0\uac00 \uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \ub4f1 \uacf5\uc720 \ucc28\ub7c9, \ub80c\ud130\uce74, \ud68c\uc0ac \ucc28\ub7c9\uacfc \uad00\ub828\ub41c \uacbd\uc6b0<\/li>\n<li>\ubcf4\ud5d8\uc0ac\uac00 UM\/UIM \uccad\uad6c\ub97c \uc9c0\uc5f0\ud558\uac70\ub098 \ucd95\uc18c\ud558\ub824\ub294 \uacbd\uc6b0<\/li>\n<li>\uc678\uc0c1\uc131 \ub1cc\uc190\uc0c1, \ucc99\ucd94 \uc190\uc0c1, \uace8\uc808, \uc601\uad6c\uc7a5\ud574 \ub4f1 \uc911\ub300\ud55c \ubd80\uc0c1\uc744 \uc785\uc740 \uacbd\uc6b0<\/li>\n<\/ul>\n<p>\uc804\ubb38 \ubcc0\ud638\uc0ac\ub294 \ubcf4\ud5d8 \uc57d\uad00 \ubd84\uc11d, \uc190\ud574 \uc785\uc99d \uc790\ub8cc \uc815\ub9ac, \ubcf4\ud5d8\uc0ac\uc640\uc758 \ud611\uc0c1 \ubc0f \ud544\uc694 \uc2dc \uc911\uc7ac\u00b7\uc18c\uc1a1 \uc808\ucc28\uae4c\uc9c0 \ub300\ub9ac\ud558\uc5ec \ud53c\ud574\uc790\uc758 \uc815\ub2f9\ud55c \uad8c\ub9ac\ub97c \ubcf4\ud638\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ubb34\ubcf4\ud5d8<\/strong><strong>\u00b7<\/strong><strong>\ubd80\uc871<\/strong> <strong>\ubcf4\ud5d8<\/strong> <strong>\uc6b4\uc804\uc790\uc5d0\uac8c<\/strong> <strong>\ubd80\uc0c1\uc744<\/strong> <strong>\ub2f9\ud558\uc168\uc2b5\ub2c8\uae4c<\/strong><strong>?<\/strong><\/p>\n<p>\ubb34\ubcf4\ud5d8 \ub610\ub294 \ubd80\uc871 \ubcf4\ud5d8 \uc6b4\uc804\uc790\uac00 \uc77c\uc73c\ud0a8 \uc0ac\uace0\ub294 \ud53c\ud574\uc790\uc5d0\uac8c \ud070 \ubd88\uc548\uacfc \uacbd\uc81c\uc801 \ubd80\ub2f4\uc744 \ub0a8\uae41\ub2c8\ub2e4. \uadf8\ub7ec\ub098 UM\/UIM \ub2f4\ubcf4\ub294 \uce58\ub8cc\ube44, \ud1b5\uc99d\u00b7\uace0\ud1b5, \uc7a5\uae30 \uc190\uc2e4\uc744 \ubcf4\uc804\ubc1b\uc744 \uc218 \uc788\ub294 \ud575\uc2ec\uc801\uc778 \ubcf4\ud638 \uc218\ub2e8\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub274\uc800\uc9c0 \ub610\ub294 \ub274\uc695\uc5d0\uc11c \uad50\ud1b5\uc0ac\uace0\ub85c \ubd80\uc0c1\uc744 \uc785\uc73c\uc168\ub2e4\uba74 \uc804\ud654: 201-461-0031 \ub610\ub294 \uc774\uba54\uc77c pi@songlawfirm.com\uc73c\ub85c \ubb38\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc740 \ubd80\uc0c1\ub2f9\ud558\uc2e0 \ubd84\ub4e4\uc758 \uad8c\ub9ac\uac00 \uc628\uc804\ud788 \ubcf4\ud638\ub420 \uc218 \uc788\ub3c4\ub85d \ub05d\uae4c\uc9c0 \ud568\uaed8\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong><em>\uba74\ucc45<\/em><\/strong> <strong><em>\uc870\ud56d<\/em><\/strong><strong><em>:<\/em><\/strong> <em>\ubcf8<\/em> <em>\uce7c\ub7fc\uc740<\/em> <em>\uc77c\ubc18\uc801\uc778<\/em> <em>\uc815\ubcf4<\/em> <em>\uc81c\uacf5\uc744<\/em> <em>\uc704\ud55c<\/em> <em>\uac83\uc774\uba70<\/em><em>, <\/em><em>\uac1c\ubcc4<\/em> <em>\uc0ac\uac74\uc5d0<\/em> <em>\ub300\ud55c<\/em> <em>\ubc95\ub960<\/em> <em>\uc790\ubb38\uc774<\/em> <em>\uc544\ub2d9\ub2c8\ub2e4<\/em><em>.<br \/>\n<\/em><em>\uad6c\uccb4\uc801\uc778<\/em> <em>\uc0c1\ud669\uc740<\/em> <em>\ubc18\ub4dc\uc2dc<\/em> <em>\uc804\ubb38<\/em> <em>\ubcc0\ud638\uc0ac\uc640<\/em> <em>\uc0c1\ub2f4\ud558\uc2dc\uae30<\/em> <em>\ubc14\ub78d\ub2c8\ub2e4<\/em><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud1f4\uadfc \ud6c4 \uc9d1\uc73c\ub85c \ud5a5\ud558\ub358 \uc911 \uac11\uc791\uc2a4\ub7fd\uac8c \ub2e4\ub978 \ucc28\ub7c9\uc774 \ub4e4\uc774\ubc1b\ub294 \uc0ac\uace0\ub97c \ub2f9\ud588\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uc2ed\uc2dc\uc624. \ucda9\uaca9\ub3c4 \ucef8\uc9c0\ub9cc, \uc0ac\uace0\ub97c \ub0b8 \uc0c1\ub300 \uc6b4\uc804\uc790\uac00 \ubcf4\ud5d8\uc774 \uc804\ud600 \uc5c6\uac70\ub098, \ub610\ub294 \uac00\uc785\ud55c \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \ub2f9\uc2e0\uc758 \uce58\ub8cc\ube44\uc870\ucc28 \uac10\ub2f9\ud558\uc9c0 \ubabb\ud560 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