{"id":23961,"date":"2026-02-06T10:45:51","date_gmt":"2026-02-06T15:45:51","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=23961"},"modified":"2026-02-06T10:45:51","modified_gmt":"2026-02-06T15:45:51","slug":"%eb%ac%b4%eb%b3%b4%ed%97%98-%ec%9a%b4%ec%a0%84%ec%9e%90-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%ec%b9%98%eb%a3%8c%eb%b9%84%eb%8a%94-%eb%88%84%ea%b0%80-%eb%b6%80%eb%8b%b4%ed%95%98%eb%82%98%ec%9a%94","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%ac%b4%eb%b3%b4%ed%97%98-%ec%9a%b4%ec%a0%84%ec%9e%90-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%ec%b9%98%eb%a3%8c%eb%b9%84%eb%8a%94-%eb%88%84%ea%b0%80-%eb%b6%80%eb%8b%b4%ed%95%98%eb%82%98%ec%9a%94\/","title":{"rendered":"\ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uad50\ud1b5\uc0ac\uace0, \uce58\ub8cc\ube44\ub294 \ub204\uac00 \ubd80\ub2f4\ud558\ub098\uc694?"},"content":{"rendered":"

\ud6a1\ub2e8\ubcf4\ub3c4\ub97c \uac74\ub108\ub2e4 \ucc28\ub7c9\uc5d0 \uce58\uc774\uac70\ub098, \uc9c0\uc778\uc758 \ucc28\ub7c9\uc5d0 \ub3d9\uc2b9\ud574 \uc774\ub3d9\ud558\ub358 \uc911 \uc0ac\uace0\ub97c \ub2f9\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \uc9c1\ud6c4 \uacbd\ucc30\uc774 \ucd9c\ub3d9\ud574 \uc0c1\ud669\uc744 \uc815\ub9ac\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \uac00\ud574 \uc6b4\uc804\uc790\uac00 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc740 \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\ub77c\ub294 \uc0ac\uc2e4\uc744 \uc54c\uac8c \ub418\uba74, \ub2f9\ud669\ud558\uc9c0 \uc54a\uc744 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788 \ubcf8\uc778 \uba85\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc5c6\ub294 \uacbd\uc6b0\uc5d0\ub294 \uac71\uc815\uc774 \ub354 \ucee4\uc9d1\ub2c8\ub2e4. \uce58\ub8cc\ub97c \ubc1b\uc544\uc57c \ud558\ub294\ub370 \ubcd1\uc6d0\ube44\ub294 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ud574\uc57c \ud558\ub294\uc9c0, \ubcf4\uc0c1\uc744 \ubc1b\uc744 \ubc29\ubc95\uc774 \uc788\ub294\uc9c0, \uc5b4\ub514\ubd80\ud130 \ud655\uc778\ud574\uc57c \ud560\uc9c0 \ub9c9\ub9c9\ud574\uc9c0\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub274\uc800\uc9c0\uc640 \ub274\uc695\uc5d0\uc11c\ub294 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc5c6\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \ud53c\ud574\uc790\uc758 \ubc95\uc801 \uad8c\ub9ac\uac00 \uc0ac\ub77c\uc9c0\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uc0ac\uace0\ub294 \uc77c\ubc18\uc801\uc778 \uad50\ud1b5\uc0ac\uace0\ubcf4\ub2e4 \ubcf4\ud5d8 \uc801\uc6a9 \uad6c\uc870\uc640 \uc6b0\uc120\uc21c\uc704\uac00 \ubcf5\uc7a1\ud558\uae30 \ub54c\ubb38\uc5d0, \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud55c \uc8fc(\u5dde), \uc0ac\uace0 \ub2f9\uc2dc\uc758 \uc9c0\uc704(\ubcf4\ud589\uc790\u00b7\ub3d9\uc2b9\uc790\u00b7\uc790\uc804\uac70 \uc774\uc6a9\uc790), \uadf8\ub9ac\uace0 \uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\ud5d8\uc774 \uc788\ub294\uc9c0\ubd80\ud130 \uc815\ud655\ud788 \ub530\uc838\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uac00\ud574<\/strong> \uc6b4\uc804\uc790\uac00<\/strong> \ubcf4\ud5d8(\ubb34\ubcf4\ud5d8)\uc5d0<\/strong> \uac00\uc785\ub418\uc5b4<\/strong> \uc788\uc9c0<\/strong> \uc54a\ub2e4\uba74<\/strong> \uc5b4\ub5a4<\/strong> \ubb38\uc81c\uac00<\/strong> \uc0dd\uae30\ub098\uc694<\/strong>?<\/strong><\/h1>\n

\ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uc0ac\uace0\ub294 \uc0ac\uace0\ub85c \uc778\ud55c \uc778\uc801 \uc190\ud574\ub97c \ubcf4\uc0c1\ud574 \uc904 \uac00\ud574\uc790\uc758 \ucc45\uc784\ubcf4\ud5d8(\ub300\uc778\ubc30\uc0c1 \ubcf4\ud5d8)\uc774 \uc804\ud600 \uc5c6\ub294 \uc0c1\ud669\uc744 \ub9d0\ud569\ub2c8\ub2e4. \uc6b4\uc804\uc790\uac00 \uc560\ucd08\uc5d0 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\uc558\uac70\ub098 \ubcf4\ud5d8\uc774 \ub9cc\ub8cc\ub418\uc5c8\uac70\ub098, \ud2b9\uc815 \uc0ac\uc720\ub85c \ubcf4\uc7a5\uc774 \uac70\uc808\ub418\ub294 \uacbd\uc6b0\ub3c4 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\ub294 \u201c\uacfc\uc18c\ubcf4\ud5d8(underinsured)\u201d\uacfc\ub294 \ub2e4\ub985\ub2c8\ub2e4. \uacfc\uc18c\ubcf4\ud5d8\uc740 \uac00\ud574\uc790 \ubcf4\ud5d8\uc740 \uc874\uc7ac\ud558\uc9c0\ub9cc \ud55c\ub3c4\uac00 \ub0ae\uc544 \ud53c\ud574\ub97c \ucda9\ubd84\ud788 \ubcf4\uc0c1\ud558\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0\ub97c \ub73b\ud569\ub2c8\ub2e4. \ubb34\ubcf4\ud5d8 \uc0ac\uace0\uc5d0\uc11c\ub294 \uacb0\uad6d \ub204\uac00 \uc798\ubabb\ud588\ub294\uc9c0\ub9cc\ud07c\uc774\ub098 \uc5b4\ub5a4 \uacbd\ub85c\ub85c \uc2e4\uc81c \ubcf4\uc0c1\uc774 \uac00\ub2a5\ud55c\uc9c0\uac00 \ud575\uc2ec \uc7c1\uc810\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774<\/strong> \uc5c6\uc5b4\ub3c4<\/strong> \ubcf4\uc0c1\uc744<\/strong> \ubc1b\uc744<\/strong> \uc218<\/strong> \uc788\ub098\uc694<\/strong>?<\/strong><\/h3>\n

\uadf8\ub807\uc2b5\ub2c8\ub2e4. \ubcf8\uc778 \uba85\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc5c6\uc5b4\ub3c4 \uc190\ud574\ubc30\uc0c1 \uccad\uad6c \uc790\uccb4\uac00 \ubd88\uac00\ub2a5\ud574\uc9c0\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\ub9cc \ubcf4\uc0c1 \uacbd\ub85c\uac00 \ubcf4\ud1b5 \ub2e4\uc74c \uc21c\uc11c\ub85c \uc815\ub9ac\ub429\ub2c8\ub2e4.<\/p>\n

    \n
  1. \ud568\uaed8 \uac70\uc8fc\ud558\ub294 \uac00\uc871(\uac00\uad6c)\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc801\uc6a9\ub418\ub294\uc9c0<\/li>\n
  2. \uc0ac\uace0 \ub2f9\uc2dc \ud0d1\uc2b9\ud588\ub358 \ucc28\ub7c9\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc801\uc6a9\ub418\ub294\uc9c0<\/li>\n
  3. \uc704 \ub450 \uac00\uc9c0\uac00 \ubaa8\ub450 \ud574\ub2f9\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0, \uc8fc(\u5dde)\uc5d0\uc11c \uc6b4\uc601\ud558\ub294 \ud2b9\ubcc4 \uc808\ucc28(\uae30\uae08\u00b7\ubcf4\uc0c1 \uc81c\ub3c4)\uac00 \uac00\ub2a5\ud55c\uc9c0<\/li>\n<\/ol>\n

    \uc989 \u201c\ucc28\uac00 \uc5c6\uc5b4\uc11c \ubabb \ubc1b\ub294\ub2e4\u201d\uac00 \uc544\ub2c8\ub77c, \uc5b4\ub5a4 \ubcf4\ud5d8\uc774 \u2018\uc6b0\uc120\u2019 \uc801\uc6a9\ub418\ub294\uc9c0\ub97c \ucc3e\uc544\uac00\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n

    \ubcf4\ud5d8\uc740<\/strong> \uc5b4\ub514\uc5d0\uc11c<\/strong> \ub098\uc624\ub098\uc694<\/strong>?<\/strong><\/h3>\n

    \ub274\uc695<\/em><\/strong><\/h4>\n

    \ub274\uc695\uc740 no-fault \uc81c\ub3c4\ub97c \uc6b4\uc601\ud558\uace0 \uc788\uc5b4, \uc0ac\uace0 \uacfc\uc2e4\uacfc \uad00\uacc4\uc5c6\uc774 \uc758\ub8cc\ube44\uc640 \uc77c\uc815 \ubc94\uc704\uc758 \uc18c\ub4dd \uc190\uc2e4\uc774 \uc6b0\uc120 \ucc98\ub9ac\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcf4\ud589\uc790\uc640 \ub3d9\uc2b9\uc790\ub3c4 \ub300\uc0c1\uc774 \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uace0, \uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uace0\uc640 \uad00\ub828\ub41c \ucc28\ub7c9\uc758 \ubcf4\ud5d8\uc744 \ud1b5\ud574 no-fault \uccad\uad6c\uac00 \uc9c4\ud589\ub429\ub2c8\ub2e4.<\/p>\n

    No-fault\ub85c \ucc98\ub9ac\ub418\uc9c0 \uc54a\ub294 \uc190\ud574(\uc608: \ud1b5\uc99d, \uc815\uc2e0\uc801 \uace0\ud1b5 \ub4f1)\uc5d0 \ub300\ud574\uc11c\ub294 \ubb34\ubcf4\ud5d8\ucc28 \ubcf4\uc7a5(UM, Uninsured Motorist)\uc774 \uc7c1\uc810\uc774 \ub429\ub2c8\ub2e4. \ubcf8\uc778 \uba85\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc5c6\uc5b4\ub3c4, \uac19\uc740 \uc8fc\uc18c\uc9c0\uc5d0 \uac70\uc8fc\ud558\ub294 \uac00\uc871\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc788\uace0 \ubcf8\uc778\uc774 \uadf8 \ubcf4\ud5d8\uc5d0\uc11c \ud53c\ubcf4\ud5d8\uc790 \ubc94\uc704\uc5d0 \ud3ec\ud568\ub41c\ub2e4\uba74 \ud574\ub2f9 \ubcf4\ud5d8\uc744 \ud1b5\ud574 UM \ubcf4\uc7a5\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ub3d9\uc2b9\uc790\ub77c\uba74, \ud0d1\uc2b9 \ucc28\ub7c9\uc758 \ubcf4\ud5d8\uc744 \ud1b5\ud574 UM \uad8c\ub9ac\uac00 \ubb38\uc81c\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \uadf8 \ubc16\uc5d0 \uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\ud5d8\uc774 \uc804\ud600 \uc5c6\ub294 \uc0c1\ud669\uc5d0\uc11c\ub294, \ub274\uc695\uc5d0\ub294 \uc77c\uc815 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \ubb34\ubcf4\ud5d8\u00b7\ube91\uc18c\ub2c8 \uc0ac\uace0\uc5d0 \ub300\ud574 \uc8fc \ucc28\uc6d0\uc758 \ubcf4\uc0c1 \uc808\ucc28\uac00 \ub9c8\ub828\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \uc694\uac74\uacfc \uc2e0\uace0\u00b7\uccad\uad6c \uae30\ud55c\uc774 \ub9e4\uc6b0 \uc5c4\uaca9\ud558\uae30 \ub54c\ubb38\uc5d0, \ucd08\uae30\uc5d0 \ube60\ub974\uac8c \uc815\ub9ac\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

    \ub274\uc800\uc9c0<\/em><\/strong><\/h4>\n

    \ub274\uc800\uc9c0\ub3c4 PIP(\uac1c\uc778\uc0c1\ud574\ubcf4\ud638, Personal Injury Protection) \uc81c\ub3c4\ub97c \ud1b5\ud574 \ub9ce\uc740 \uad50\ud1b5\uc0ac\uace0\uc758 \uc758\ub8cc\ube44\ub97c \uc6b0\uc120 \ucc98\ub9ac\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \ubcf4\ud5d8 \uc801\uc6a9 \uc21c\uc11c\uac00 \ubcf5\uc7a1\ud558\uac8c \uc815\ud574\uc9c8 \uc218 \uc788\ub294\ub370, \ubcf4\ud1b5\uc740 \ubcf8\uc778 \ubcf4\ud5d8 \u2192 \uac19\uc740 \uc9d1 \uac00\uc871\uc758 \ubcf4\ud5d8 \u2192 \ud0d1\uc2b9 \ucc28\ub7c9\uc758 \ubcf4\ud5d8 \uc21c\uc11c\ub85c \uac80\ud1a0\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ubcf8\uc778 \uba85\uc758 \ubcf4\ud5d8\uc774 \uc5c6\ub2e4\uba74, \uba3c\uc800 \uac19\uc740 \uc9d1\uc5d0 \uac70\uc8fc\ud558\ub294 \uac00\uc871\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc801\uc6a9\ub418\ub294\uc9c0 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4. \uac00\uad6c \ub0b4 \uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\ud5d8\uc774 \uc5c6\uace0 \ub3d9\uc2b9\uc790\uc600\ub2e4\uba74 \ud0d1\uc2b9 \ucc28\ub7c9\uc758 \ubcf4\ud5d8\uc774 \ubb38\uc81c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcf4\ud589\uc790\uc778\ub370\ub3c4 \uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\ud5d8\uc774 \uc804\ud600 \uc5c6\ub2e4\uba74, \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc77c\uc815 \uc694\uac74 \ud558\uc5d0 \uc8fc(\u5dde) \ucc28\uc6d0\uc758 \uae30\uae08 \uc808\ucc28\ub97c \ud1b5\ud574 \uc81c\ud55c\uc801\uc778 PIP \ud61c\ud0dd\uc744 \uccad\uad6c\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ub610\ud55c \uc77c\ubd80 \uc758\ub8cc\ube44\ub294 \uac74\uac15\ubcf4\ud5d8\uc73c\ub85c \ucc98\ub9ac\ub418\ub294 \uacbd\uc6b0\uac00 \uc788\uc9c0\ub9cc, PIP\uc640 \uac74\uac15\ubcf4\ud5d8\uc758 \uc6b0\uc120\uc21c\uc704(\uc870\uc815) \ubb38\uc81c\uac00 \uc0ac\uac74\ubcc4\ub85c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc5b4 \ucd08\uae30 \ud655\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

    \ud1b5\uc99d<\/strong>\u00b7<\/strong>\uc815\uc2e0\uc801<\/strong> \uace0\ud1b5\uc5d0<\/strong> \ub300\ud55c<\/strong> \ubc30\uc0c1\ub3c4<\/strong> \ubc1b\uc744<\/strong> \uc218<\/strong> \uc788\ub098\uc694<\/strong>?<\/strong><\/h3>\n

    \ub274\uc695\uc5d0\uc11c\ub294 \uad50\ud1b5\uc0ac\uace0\ub85c \ud1b5\uc99d\u00b7\uc815\uc2e0\uc801 \uace0\ud1b5(\uc77c\ubc18\uc801\uc73c\ub85c \u2018pain and suffering\u2019\ub85c \ud45c\ud604\ub418\ub294 \ube44\uacbd\uc81c\uc801 \uc190\ud574)\uc5d0 \ub300\ud55c \uc190\ud574\ubc30\uc0c1\uc744 \uccad\uad6c\ud558\ub824\uba74, \uc6d0\uce59\uc801\uc73c\ub85c \u201c\uc911\ub300\ud55c \uc0c1\ud574(serious injury)\u201d \uc694\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294\uc9c0 \uc5ec\ubd80\ub294 \uc9c4\ub2e8, \uac80\uc0ac \uc18c\uacac, \uce58\ub8cc \uacbd\uacfc \ub4f1 \uac1d\uad00\uc801 \uc758\ub8cc\uc790\ub8cc\uc640 \uc77c\uad00\ub41c \uce58\ub8cc \uae30\ub85d\uc774 \uc911\uc694\ud558\uac8c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n

    \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \ud1b5\uc99d\u00b7\uc815\uc2e0\uc801 \uace0\ud1b5 \uccad\uad6c \uac00\ub2a5 \uc5ec\ubd80\uac00, \uc801\uc6a9\ub418\ub294 \ubcf4\ud5d8\uc5d0 \uc18c\uc1a1 \uc81c\ud55c(Verbal Threshold, limitation on lawsuit)\uc774 \uc788\ub294\uc9c0\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc81c\ud55c\uc774 \uc801\uc6a9\ub418\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uace8\uc808(\ud2b9\uc815 \uc720\ud615), \uc758\ubbf8 \uc788\ub294 \ud749\ud130\/\uc678\ud615 \uc190\uc0c1, \ud0dc\uc544 \uc0c1\uc2e4, \uc601\uad6c\uc801 \uc0c1\ud574 \ub4f1 \ubc95\uc5d0\uc11c \uc815\ud55c \ubc94\uc8fc\uc5d0 \ud574\ub2f9\ud568\uc744 \uc785\uc99d\ud574\uc57c \ud558\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. \uc81c\ud55c\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uc5d0\ub294 \uadf8\ubcf4\ub2e4 \ub113\uac8c \uccad\uad6c\uac00 \uac00\ub2a5\ud560 \uc218 \uc788\uc9c0\ub9cc, \uacb0\uad6d\uc5d0\ub294 \ubd80\uc0c1\uc758 \uc815\ub3c4\uc640 \uc785\uc99d\uc790\ub8cc\uac00 \uc0ac\uac74\uc758 \uc131\ud328\ub97c \uc88c\uc6b0\ud569\ub2c8\ub2e4.<\/p>\n

    \ud55c \uac00\uc9c0 \uc720\uc758\ud560 \uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\ub294 \ubb34\ubcf4\ud5d8 \ucc28\ub7c9\uc744 \uc9c1\uc811 \uc6b4\uc804\ud558\ub358 \uc911 \ubd80\uc0c1\uc744 \uc785\uc740 \uc0ac\ub78c\uc5d0 \ub300\ud574, \ud1b5\uc99d\u00b7\uc815\uc2e0\uc801 \uace0\ud1b5 \ub4f1 \ube44\uacbd\uc81c\uc801 \uc190\ud574\ub97c \uc81c\ud55c\ud558\ub294 \uaddc\uc815\uc774 \ubb38\uc81c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ucc28\uac00 \uc5c6\ub294 \ubcf4\ud589\uc790\u00b7\ub3d9\uc2b9\uc790\uc758 \uacbd\uc6b0\uc640\ub294 \ub2e4\ub978 \uc774\uc288\uc774\ubbc0\ub85c, \uc2e4\uc81c \uc0ac\uac74\uc5d0\uc11c\ub294 \ubcf8\uc778\uc758 \uc9c0\uc704\uc640 \uc0ac\uc2e4\uad00\uacc4\ub97c \uc815\ud655\ud788 \uad6c\ubd84\ud574 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

    \ubcf4\ud589\uc790<\/strong>\u00b7<\/strong>\uc790\uc804\uac70<\/strong> \uc774\uc6a9\uc790<\/strong>\u00b7<\/strong>\ub3d9\uc2b9\uc790\uc600\ub2e4\uba74<\/strong> \uc5b4\ub5bb\uac8c<\/strong> \ub418\ub098\uc694<\/strong>?<\/strong><\/h3>\n

    \uc0ac\uace0 \ub2f9\uc2dc\uc758 \uc9c0\uc704\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \uc801\uc6a9 \uacbd\ub85c\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc9c0\ub9cc, \ucc28\ub7c9 \uc18c\uc720 \uc5ec\ubd80\ub098 \uac1c\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ubcf4\uc720 \uc5ec\ubd80\uac00 \uc190\ud574\ubc30\uc0c1 \uccad\uad6c\uc758 \uc804\uc81c \uc870\uac74\uc740 \uc544\ub2d9\ub2c8\ub2e4.
    \n\ub3d9\uc2b9\uc790\uc758 \uacbd\uc6b0\uc5d0\ub294 \ud0d1\uc2b9 \ucc28\ub7c9\uc758 \ubcf4\ud5d8\uc774 \uc6b0\uc120 \uac80\ud1a0\ub420 \uc218 \uc788\uace0, \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc5c6\uc5b4\ub3c4 \uac00\uad6c \ub0b4 \uac00\uc871 \ubcf4\ud5d8\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \ubcf4\ud589\uc790\ub098 \uc790\uc804\uac70 \uc774\uc6a9\uc790 \uc5ed\uc2dc no-fault(PIP) \ubc0f \ubb34\ubcf4\ud5d8\ucc28 \ubcf4\uc7a5(UM) \uc801\uc6a9 \uac00\ub2a5\uc131\uc774 \uc7c1\uc810\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \uc0ac\uace0<\/strong> \uc9c1\ud6c4<\/strong> \ubc18\ub4dc\uc2dc<\/strong> \ud574\uc57c<\/strong> \ud560<\/strong> \uc77c<\/strong><\/h2>\n

    \uc0ac\uace0 \ud6c4\uc5d0\ub294 \uac00\ub2a5\ud55c \ud55c \ube68\ub9ac \ubcd1\uc6d0 \uc9c4\ub8cc\ub97c \ubc1b\uc544 \uc99d\uc0c1\uacfc \uce58\ub8cc \ub0b4\uc6a9\uc774 \uc758\ub8cc \uae30\ub85d\uc73c\ub85c \ub0a8\ub3c4\ub85d \ud574\uc57c \ud569\ub2c8\ub2e4. \uacbd\ucc30 \uc2e0\uace0\ub97c \ud1b5\ud574 \uacf5\uc2dd \uc0ac\uace0 \ubcf4\uace0\uc11c\ub97c \ud655\ubcf4\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uac00\ud574 \uc6b4\uc804\uc790\uc640 \ucc28\ub7c9\uc758 \uae30\ubcf8 \uc815\ubcf4(\uc774\ub984, \ucc28\ub7c9\ubc88\ud638 \ub4f1)\ub97c \ud655\uc778\ud558\uace0, \ub3d9\uc2b9\uc790\uc600\ub2e4\uba74 \ud0d1\uc2b9 \ucc28\ub7c9\uc758 \uc6b4\uc804\uc790 \ubc0f \ubcf4\ud5d8 \uc815\ubcf4\ub3c4 \ud568\uaed8 \ud655\ubcf4\ud558\uc2ed\uc2dc\uc624. \uc0ac\uc9c4, \uc9c4\ub2e8\uc11c, \ud1f4\uc6d0 \uae30\ub85d, \uacb0\uadfc \ud655\uc778\uc11c \ub4f1\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ubcf4\uad00\ud558\uace0, \uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\ud5d8\uacfc \ubc95\uc801 \uad8c\ub9ac\ub97c \uc815\ud655\ud788 \ud30c\uc545\ud558\uae30 \uc804\uc5d0\ub294 \ub179\ucde8 \uc9c4\uc220\uc774\ub098 \ud569\uc758\uc11c(\uba74\ucc45 \uc11c\ub958)\uc5d0 \uc11c\uba85\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4. \ubb34\ubcf4\ud5d8 \uc0ac\uace0\ub294 \uc801\uc6a9 \ubcf4\ud5d8\uc744 \uc798\ubabb \uc7a1\uac70\ub098 \ud1b5\uc9c0 \uae30\ud55c\uc744 \ub193\uce58\uba74 \uc0ac\uac74\uc774 \ubcf5\uc7a1\ud574\uc9c0\uae30 \uc26c\uc6cc, \ucd08\uae30 \ub300\uc751\uc774 \ud2b9\ud788 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

    \uccad\uad6c<\/strong> \ubc0f<\/strong> \uc18c\uc1a1<\/strong> \uae30\ud55c<\/strong><\/h4>\n

    \ub274\uc695\uc5d0\uc11c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uad50\ud1b5\uc0ac\uace0\ub97c \ud3ec\ud568\ud55c \uacfc\uc2e4 \uae30\ubc18 \uac1c\uc778\uc0c1\ud574 \uc18c\uc1a1\uc758 \uc81c\uc18c\uae30\uac04\uc774 3\ub144\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uacf5\uacf5\uae30\uad00(\uc2dc\u00b7\uc8fc \uc815\ubd80 \ub4f1)\uc774 \uad00\ub828\ub41c \uc0ac\uace0\ub294 \ud1b5\uc9c0 \uae30\ud55c \ubc0f \uc81c\uc18c \uae30\ud55c\uc774 \ud6e8\uc52c \uc9e7\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uac1c\uc778\uc0c1\ud574 \uc18c\uc1a1\uc758 \uc81c\uc18c\uae30\uac04\uc774 2\ub144\uc785\ub2c8\ub2e4. \ub610\ud55c no-fault(PIP)\ub098 \uc8fc(\u5dde) \uae30\uae08 \uc808\ucc28\uc5d0\ub294 \ubcc4\ub3c4\uc758 \uc2e0\uace0 \uae30\ud55c\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ub193\uce58\uba74 \uad8c\ub9ac\uac00 \uc81c\ud55c\ub418\uac70\ub098 \uc18c\uba78\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ubb34\ubcf4\ud5d8<\/strong> \uc6b4\uc804\uc790<\/strong> \uc0ac\uace0\ub294<\/strong> \uc65c<\/strong> \ubcc0\ud638\uc0ac<\/strong> \uc0c1\ub2f4\uc774<\/strong> \uc911\uc694\ud55c\uac00\uc694<\/strong>?<\/strong><\/h3>\n

    \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uc0ac\uace0\ub294 \ub2e8\uc21c\ud55c \uacfc\uc2e4 \ub2e4\ud23c\uc774 \uc544\ub2c8\ub77c, \uc5b4\ub5a4 \ubcf4\ud5d8\uc774 \uc801\uc6a9\ub418\ub294\uc9c0\uc640 \uc6b0\uc120\uc21c\uc704\uac00 \ud575\uc2ec \uc7c1\uc810\uc774 \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac \uac04 \ucc45\uc784 \ub2e4\ud23c, \ubcf4\uc7a5 \ubd80\uc778, \uc9c0\uae09 \uc9c0\uc5f0\uc774 \ubc18\ubcf5\ub420 \uc218 \uc788\uace0, \ud2b9\ud788 \u201c\ub0b4 \ubcf4\ud5d8\uc774 \uc5c6\ub294\ub370 \uc5b4\ub514\uc11c \ucc98\ub9ac\ub418\ub294\uc9c0\u201d\ub97c \uc81c\ub300\ub85c \uc815\ub9ac\ud558\uc9c0 \ubabb\ud558\uba74 \ubd88\ud544\uc694\ud558\uac8c \uc2dc\uac04\uc774 \uc9c0\uccb4\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd08\uae30\uc5d0 \ubc95\ub960\uc801 \uac80\ud1a0\ub97c \ubc1b\uc73c\uba74 \uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\uc7a5\uc744 \ube60\ub974\uac8c \uc815\ub9ac\ud558\uace0, \ud544\uc694\ud55c \uc99d\uac70\ub97c \ud655\ubcf4\ud558\uba70, \uc2e4\uc218\ub85c \uc778\ud55c \uac70\uc808\u00b7\uc9c0\uc5f0\uc744 \uc608\ubc29\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

    \uad50\ud1b5 \uc0ac\uace0\ub97c \ub2f9\ud558\uc168\ub098\uc694<\/strong>?<\/strong><\/h3>\n

    \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\uc5d0\uac8c \uc0ac\uace0\ub97c \ub2f9\ud588\uace0 \ubcf8\uc778 \uba85\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc5c6\ub354\ub77c\ub3c4, \uc0c1\ud669\uc5d0 \ub530\ub77c \uac80\ud1a0\ud560 \uc218 \uc788\ub294 \ud574\uacb0 \uacbd\ub85c\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcf5\uc7a1\ud55c \ubcf4\ud5d8 \uaddc\uc815\uc744 \ud63c\uc790 \uac10\ub2f9\ud558\uc2e4 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ub274\uc800\uc9c0 \ub610\ub294 \ub274\uc695\uc5d0\uc11c \ubb34\ubcf4\ud5d8 \uc0ac\uace0\ub85c \ubd80\uc0c1\uc744 \uc785\uc73c\uc168\ub2e4\uba74 \uc9c0\uae08 \ubc14\ub85c \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc5d0 \uc5f0\ub77d\ud558\uc5ec \ubb34\ub8cc\ub85c \uc0c1\ub2f4\uc744 \ubc1b\uc544\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n

    \uc804\ud654<\/strong>:<\/strong> 201-461-0031
    \n\uc774\uba54\uc77c<\/strong>:<\/strong> pi@songlawfirm.com<\/a><\/p>\n

    \uba74\ucc45\uc870\ud56d<\/em><\/strong>:<\/em><\/strong> \ubcf8<\/em> \uce7c\ub7fc\uc740<\/em> \uc77c\ubc18\uc801\uc778<\/em> \uc815\ubcf4<\/em> \uc81c\uacf5\uc744<\/em> \uc704\ud55c<\/em> \uac83\uc774\uba70<\/em>, <\/em>\ubc95\ub960<\/em> \uc790\ubb38\uc774<\/em> \uc544\ub2d9\ub2c8\ub2e4<\/em>. <\/em>\uad8c\ub9ac<\/em>, <\/em>\ubcf4\uc7a5<\/em> \ubc94\uc704<\/em> \ubc0f<\/em> \uae30\ud55c\uc740<\/em> \uad6c\uccb4\uc801\uc778<\/em> \uc0ac\uc2e4\uad00\uacc4\uc640<\/em> \ubcf4\ud5d8<\/em> \uc57d\uad00\uc5d0<\/em> \ub530\ub77c<\/em> \ub2ec\ub77c\uc9c8<\/em> \uc218<\/em> \uc788\uc73c\ubbc0\ub85c<\/em>, <\/em>\uac1c\ubcc4<\/em> \uc0ac\uc548\uc5d0<\/em> \ub300\ud574\uc11c\ub294<\/em> \ubcc0\ud638\uc0ac\uc640<\/em> \uc0c1\ub2f4\ud558\uc2dc\uae30<\/em> \ubc14\ub78d\ub2c8\ub2e4<\/em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    \ud6a1\ub2e8\ubcf4\ub3c4\ub97c \uac74\ub108\ub2e4 \ucc28\ub7c9\uc5d0 \uce58\uc774\uac70\ub098, \uc9c0\uc778\uc758 \ucc28\ub7c9\uc5d0 \ub3d9\uc2b9\ud574 \uc774\ub3d9\ud558\ub358 \uc911 \uc0ac\uace0\ub97c \ub2f9\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \uc9c1\ud6c4 \uacbd\ucc30\uc774 \ucd9c\ub3d9\ud574 \uc0c1\ud669\uc744 \uc815\ub9ac\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \uac00\ud574 \uc6b4\uc804\uc790\uac00 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc740 \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\ub77c\ub294 \uc0ac\uc2e4\uc744 […]<\/p>\n","protected":false},"author":1,"featured_media":23962,"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 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":[899,920,2628,3302,703],"class_list":["post-23961","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category---columns","tag--ko-2","tag-920","tag-2628","tag-3302","tag-attorney-ko"],"yoast_head":"\n\ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uad50\ud1b5\uc0ac\uace0, \uce58\ub8cc\ube44\ub294 \ub204\uac00 \ubd80\ub2f4\ud558\ub098\uc694? 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