{"id":24885,"date":"2026-04-06T09:07:22","date_gmt":"2026-04-06T13:07:22","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=24885"},"modified":"2026-04-06T09:07:22","modified_gmt":"2026-04-06T13:07:22","slug":"%eb%89%b4%ec%a0%80%ec%a7%80%ec%99%80%eb%8a%94-%eb%8b%a4%eb%a5%b4%eb%8b%a4-%ec%a1%b0%ec%a7%80%ec%95%84%ec%a3%bc-%ec%82%ac%ea%b3%a0%ec%83%81%ed%95%b4-%eb%b2%95%eb%a5%a0-%ec%9d%b4%ea%b2%83%eb%a7%8c","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80%ec%99%80%eb%8a%94-%eb%8b%a4%eb%a5%b4%eb%8b%a4-%ec%a1%b0%ec%a7%80%ec%95%84%ec%a3%bc-%ec%82%ac%ea%b3%a0%ec%83%81%ed%95%b4-%eb%b2%95%eb%a5%a0-%ec%9d%b4%ea%b2%83%eb%a7%8c\/","title":{"rendered":"\ub274\uc800\uc9c0\uc640\ub294 \ub2e4\ub974\ub2e4! \uc870\uc9c0\uc544\uc8fc \uc0ac\uace0\uc0c1\ud574 \ubc95\ub960, \uc774\uac83\ub9cc\uc740 \uaf2d \uc54c\uc544\ub450\uc138\uc694"},"content":{"rendered":"<p data-path-to-node=\"3\">\ubbf8\uad6d\uc740 \uac01 \uc8fc\ub9c8\ub2e4 \ub3c5\ub9bd\uc801\uc778 \uc0ac\ubc95 \uccb4\uacc4\ub97c \uac00\uc9c0\uace0 \uc788\uc5b4, \uac70\uc8fc\uc9c0\ub97c \uc62e\uae30\uac70\ub098 \ud0c0\uc8fc\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c \ub2f9\ud639\uc2a4\ub7ec\uc6b4 \uc0c1\ud669\uc5d0 \uc9c1\uba74\ud558\uace4 \ud569\ub2c8\ub2e4. \ud2b9\ud788 \ub274\uc800\uc9c0(NJ)\uc640 \uc870\uc9c0\uc544(GA)\ub294 \uc0ac\uace0\uc0c1\ud574\uc640 \uad00\ub828\ud558\uc5ec \ub9e4\uc6b0 \uc0c1\uc774\ud55c \ubc95 \uccb4\uacc4\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0 \ubc95\uc5d0 \uc775\uc219\ud55c \ubd84\ub4e4\uc774 \uc870\uc9c0\uc544\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c \uac04\uacfc\ud558\uae30 \uc26c\uc6b4 \ud575\uc2ec \ucc28\uc774\uc810 3\uac00\uc9c0\ub97c \uc815\ub9ac\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<h3 data-path-to-node=\"4\">1. \ubcf4\ud5d8 \uccb4\uacc4\uc758 \uadfc\ubcf8\uc801 \ucc28\uc774: &#8216;No-Fault&#8217; vs &#8216;At-Fault&#8217;<\/h3>\n<p data-path-to-node=\"5\">\uac00\uc7a5 \ud070 \ucc28\uc774\uc810\uc740 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ubcf4\uc0c1 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"6\">\n<li>\n<p data-path-to-node=\"6,0,0\"><b data-path-to-node=\"6,0,0\" data-index-in-node=\"0\">\ub274\uc800\uc9c0 (No-Fault System):<\/b> \ub274\uc800\uc9c0\ub294 \uc774\ub978\ubc14 &#8216;\ubb34\uacfc\uc2e4 \uc8fc\uc758&#8217;\ub97c \ud0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uace0\uc758 \ucc45\uc784\uc774 \ub204\uad6c\uc5d0\uac8c \uc788\ub4e0 \uad00\uacc4\uc5c6\uc774, \ubcf8\uc778\uc774 \uac00\uc785\ud55c \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \uc758\ub8cc\ube44(PIP: Personal Injury Protection)\ub97c \uc6b0\uc120 \uc9c0\uae09\ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,1,0\"><b data-path-to-node=\"6,1,0\" data-index-in-node=\"0\">\uc870\uc9c0\uc544 (At-Fault System):<\/b> \ubc18\uba74 \uc870\uc9c0\uc544\ub294 &#8216;\uacfc\uc2e4 \ucc45\uc784 \uc8fc\uc758&#8217;\ub97c \ub530\ub985\ub2c8\ub2e4. \uc0ac\uace0\ub97c \uc720\ubc1c\ud55c \uac00\ud574 \uc6b4\uc804\uc790\uc758 \ubcf4\ud5d8\uc0ac\uac00 \ud53c\ud574\uc790\uc758 \uc758\ub8cc\ube44\uc640 \uc190\ud574\ub97c \ubc30\uc0c1\ud560 \ucc45\uc784\uc744 \uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc870\uc9c0\uc544\uc5d0\uc11c\ub294 \uc0ac\uace0 \uc9c1\ud6c4 \uc0c1\ub300\ubc29\uc758 \uacfc\uc2e4\uc744 \uc785\uc99d\ud558\ub294 \uacfc\uc815\uc774 \ub274\uc800\uc9c0\ubcf4\ub2e4 \ud6e8\uc52c \uce58\uc5f4\ud558\uace0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"7\">2. &#8216;50%\uc758 \uc7a5\ubcbd&#8217; vs &#8216;51%\uc758 \uad00\uc6a9&#8217;: \ube44\uad50 \uacfc\uc2e4 \uc81c\ub3c4\uc758 \ubbf8\ubb18\ud55c \ucc28\uc774<\/h3>\n<p data-path-to-node=\"8\">\ub450 \uc8fc \ubaa8\ub450 \ud53c\ud574\uc790\uc5d0\uac8c\ub3c4 \uc77c\uc815 \ubd80\ubd84 \uacfc\uc2e4\uc774 \uc788\uc744 \ub54c \ubcf4\uc0c1\uc561\uc744 \uac10\uc561\ud558\ub294 &#8216;\uc218\uc815\ub41c \ube44\uad50 \uacfc\uc2e4(Modified Comparative Negligence)&#8217; \uc81c\ub3c4\ub97c \uc2dc\ud589\ud558\uc9c0\ub9cc, \uadf8 \uae30\uc900\uc810(Bar)\uc774 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"9\">\n<li>\n<p data-path-to-node=\"9,0,0\"><b data-path-to-node=\"9,0,0\" data-index-in-node=\"0\">\uc870\uc9c0\uc544 (50% Bar Rule):<\/b> \uc870\uc9c0\uc544\uc5d0\uc11c\ub294 \ud53c\ud574\uc790\uc758 \uacfc\uc2e4\uc774 <b data-path-to-node=\"9,0,0\" data-index-in-node=\"36\">50% \uc774\uc0c1<\/b>\uc774 \ub418\ub294 \uc21c\uac04, \uc0c1\ub300\ubc29\uc73c\ub85c\ubd80\ud130 \ub2e8 1\ub2ec\ub7ec\ub3c4 \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc989, \uacfc\uc2e4\uc774 50:50\uc73c\ub85c \ud310\uba85 \ub098\uba74 \ubcf4\uc0c1\uc740 &#8216;0&#8217;\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,1,0\"><b data-path-to-node=\"9,1,0\" data-index-in-node=\"0\">\ub274\uc800\uc9c0 (51% Bar Rule):<\/b> \ub274\uc800\uc9c0\ub294 \uc870\uae08 \ub354 \uad00\ub300\ud569\ub2c8\ub2e4. \ud53c\ud574\uc790\uc758 \uacfc\uc2e4\uc774 \uc0c1\ub300\ubc29\ubcf4\ub2e4 \ub9ce\uc9c0 \uc54a\uc73c\uba74(\uc989, <b data-path-to-node=\"9,1,0\" data-index-in-node=\"62\">50%\uae4c\uc9c0\ub294<\/b>) \ubcf4\uc0c1\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. 50:50\uc778 \uacbd\uc6b0\uc5d0\ub3c4 \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc804\uccb4 \uc190\ud574\uc561\uc758 50%\ub97c \ubc1b\uc744 \uc218 \uc788\uc9c0\ub9cc, \uc870\uc9c0\uc544\uc5d0\uc11c\ub294 \ubd88\uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc744 \uba85\uc2ec\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"10\">3. \uc18c\uc1a1\uc758 \uad8c\ub9ac: &#8216;Verbal Threshold&#8217;\uc758 \uc720\ubb34<\/h3>\n<p data-path-to-node=\"11\">\ub274\uc800\uc9c0 \ubcf4\ud5d8 \uac00\uc785\uc790\ub4e4\uc740 \ubcf4\ud5d8\ub8cc \uc808\uac10\uc744 \uc704\ud574 &#8216;Limitation on Lawsuit(\uc18c\uc1a1 \uc81c\ud55c \uc635\uc158)&#8217;\uc744 \uc120\ud0dd\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \uc544\uc8fc \uc2ec\uac01\ud55c \ubd80\uc0c1\uc774 \uc544\ub2c8\uba74 \uc704\uc790\ub8cc(Pain and Suffering) \uc18c\uc1a1\uc774 \uc81c\ud55c\ub429\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"12\">\ud558\uc9c0\ub9cc <b data-path-to-node=\"12\" data-index-in-node=\"4\">\uc870\uc9c0\uc544\uc8fc\uc5d0\ub294 \uc774\ub7ec\ud55c \uc18c\uc1a1 \uc81c\ud55c(Verbal Threshold)\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/b> \uc0c1\ub300\ubc29\uc758 \uacfc\uc2e4\ub85c \uc778\ud574 \ubd80\uc0c1\uc744 \uc785\uc5c8\ub2e4\uba74, \ubd80\uc0c1\uc758 \uacbd\uc911\uacfc \uad00\uacc4\uc5c6\uc774(\ubc95\ub960\uc801 \uc694\uac74\uc744 \uac16\ucd98 \uacbd\uc6b0) \uc2e0\uccb4\uc801 \ud1b5\uc99d\uacfc \uc815\uc2e0\uc801 \uace0\ud1b5\uc5d0 \ub300\ud55c \uc704\uc790\ub8cc \uccad\uad6c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774\ub294 \ud53c\ud574\uc790 \uc785\uc7a5\uc5d0\uc11c \ubc95\uc801 \uad8c\ub9ac\ub97c \ud589\uc0ac\ud560 \uc218 \uc788\ub294 \ud3ed\uc774 \ub274\uc800\uc9c0\ubcf4\ub2e4 \ub113\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n<h3 data-path-to-node=\"13\">4. \uc7ac\uc0b0 \ud53c\ud574(Property Damage)\uc758 \uacf5\uc18c\uc2dc\ud6a8<\/h3>\n<p data-path-to-node=\"14\">\uc778\uc801 \uc0c1\ud574\uc5d0 \ub300\ud55c \uacf5\uc18c\uc2dc\ud6a8\ub294 \ub450 \uc8fc \ubaa8\ub450 \uc77c\ubc18\uc801\uc73c\ub85c 2\ub144\uc73c\ub85c \ub3d9\uc77c\ud558\uc9c0\ub9cc, \ucc28\ub7c9 \ud30c\uc190 \ub4f1 \uc7ac\uc0b0 \ud53c\ud574\uc5d0 \ub300\ud574\uc11c\ub294 \uc870\uc9c0\uc544\uac00 \uc870\uae08 \ub354 \uae34 \uc2dc\uac04\uc744 \ud5c8\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<ul data-path-to-node=\"15\">\n<li>\n<p data-path-to-node=\"15,0,0\"><b data-path-to-node=\"15,0,0\" data-index-in-node=\"0\">\uc870\uc9c0\uc544:<\/b> \uc7ac\uc0b0 \ud53c\ud574 \uc18c\uc1a1\uc740 \uc0ac\uace0\uc77c\ub85c\ubd80\ud130 <b data-path-to-node=\"15,0,0\" data-index-in-node=\"22\">4\ub144<\/b> \uc774\ub0b4\uc5d0 \uc81c\uae30\ud560 \uc218 \uc788\uc5b4, \ucc28\ub7c9 \ud30c\uc190 \ub4f1\uc5d0 \ub300\ud55c \ubcf4\uc0c1 \uc808\ucc28\ub97c \uc0c1\ub300\uc801\uc73c\ub85c \uc5ec\uc720 \uc788\uac8c \uc9c4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<hr data-path-to-node=\"16\" \/>\n<h3 data-path-to-node=\"17\">[\uacb0\ub860 \ubc0f \uc0c1\ub2f4 \uad8c\uc720]<\/h3>\n<p data-path-to-node=\"18\">\uc870\uc9c0\uc544\uc8fc\uc758 \uc0ac\uace0\uc0c1\ud574 \ubc95\uc740 \ub274\uc800\uc9c0\uc640 \ube44\uc2b7\ud574 \ubcf4\uc774\uba74\uc11c\ub3c4 \uc2e4\uc81c \uc801\uc6a9 \uba74\uc5d0\uc11c\ub294 \ud070 \ucc28\uc774\ub97c \ubcf4\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc870\uc9c0\uc544\ub294 &#8216;\uacfc\uc2e4 \uc785\uc99d&#8217;\uc774 \ubcf4\uc0c1\uc758 \uc2dc\uc791\uc774\uc790 \ub05d\uc774\uae30 \ub54c\ubb38\uc5d0, \uc0ac\uace0 \ucd08\uae30\ubd80\ud130 \uc99d\uac70\ub97c \ud655\ubcf4\ud558\uace0 \uc0c1\ub300 \ubcf4\ud5d8\uc0ac\uc758 \uc555\ubc15\uc5d0 \ub300\uc751\ud560 \uc804\ubb38 \ubcc0\ud638\uc0ac\uc758 \uc870\ub825\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"19\"><b data-path-to-node=\"19\" data-index-in-node=\"0\">\uc1a1\ub3d9\ud638\uc885\ud569\ub85c\ud38c<\/b>\uc740 \ub274\uc800\uc9c0 \ubcf8\uc0ac\uc640 \uc544\ud2c0\ub780\ud0c0 \uc9c0\uc0ac\ub97c \ud1b5\ud574 \ub450 \uc8fc\uc758 \ubc95\ub960\uc801 \ucc28\uc774\ub97c \uc644\ubcbd\ud788 \uc774\ud574\ud558\uace0 \uc788\ub294 \ubcc0\ud638\uc0ac\ub4e4\uc774 \ud3ec\uc9c4\ud574 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc \uacbd\uacc4\ub97c \ub118\ub098\ub4dc\ub294 \ubcf5\uc7a1\ud55c \uc0ac\uace0\uc0c1\ud574 \ucf00\uc774\uc2a4, \uc1a1\ub3d9\ud638\uc885\ud569\ub85c\ud38c\uc774 \uc5ec\ub7ec\ubd84\uc758 \uc815\ub2f9\ud55c \uad8c\ub9ac\ub97c \ucc3e\uc544\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li data-path-to-node=\"45,0,0\"><b data-path-to-node=\"45,0,0\" data-index-in-node=\"0\">\uce74\uce74\uc624\ud1a1 \ucc44\ub110:<\/b>\u00a0<a class=\"ng-star-inserted\" href=\"http:\/\/pf.kakao.com\/_Vikxbxl\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwjzhJTD0seTAxUAAAAAHQAAAAAQ1QE\">Song Law Firm<\/a><\/li>\n<li data-path-to-node=\"45,1,0\"><b data-path-to-node=\"45,1,0\" data-index-in-node=\"0\">\uc804\ud654:<\/b>\u00a0201-461-0031<\/li>\n<li data-path-to-node=\"45,2,0\"><b data-path-to-node=\"45,2,0\" data-index-in-node=\"0\">\uc774\uba54\uc77c:<\/b>\u00a0mail@songlawfirm.com<\/li>\n<li data-path-to-node=\"45,3,0\"><b data-path-to-node=\"45,3,0\" data-index-in-node=\"0\">\uc6f9\uc0ac\uc774\ud2b8:<\/b>\u00a0<a class=\"ng-star-inserted\" href=\"http:\/\/www.songlawfirm.com\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwjzhJTD0seTAxUAAAAAHQAAAAAQ1gE\">www.songlawfirm.com<\/a><\/li>\n<\/ul>\n<hr data-path-to-node=\"21\" \/>\n<p data-path-to-node=\"22\"><b data-path-to-node=\"22\" data-index-in-node=\"0\">[\uba74\ucc45 \uc870\ud56d (Disclaimer)]<\/b> \ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18\uc801\uc778 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70, \ud2b9\uc815 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960\uc801 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubc95\ub960\uc740 \uc218\uc2dc\ub85c \uac1c\uc815\ub420 \uc218 \uc788\uc73c\uba70, \uad6c\uccb4\uc801\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc95\uc801 \ud574\uc11d\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \ubc1c\uc0dd \uc2dc \ubc18\ub4dc\uc2dc \uc790\uaca9\uc744 \uac16\ucd98 \ubc95\ub960 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc1a1\ub3d9\ud638\uc885\ud569\ub85c\ud38c\uc740 \ubcf8 \uce7c\ub7fc\uc758 \ub0b4\uc6a9\uc73c\ub85c \uc778\ud574 \ubc1c\uc0dd\ud558\ub294 \uacb0\uacfc\uc5d0 \ub300\ud574 \ubc95\uc801 \ucc45\uc784\uc744 \uc9c0\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d\uc740 \uac01 \uc8fc\ub9c8\ub2e4 \ub3c5\ub9bd\uc801\uc778 \uc0ac\ubc95 \uccb4\uacc4\ub97c \uac00\uc9c0\uace0 \uc788\uc5b4, \uac70\uc8fc\uc9c0\ub97c \uc62e\uae30\uac70\ub098 \ud0c0\uc8fc\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \ub54c \ub2f9\ud639\uc2a4\ub7ec\uc6b4 \uc0c1\ud669\uc5d0 \uc9c1\uba74\ud558\uace4 \ud569\ub2c8\ub2e4. \ud2b9\ud788 \ub274\uc800\uc9c0(NJ)\uc640 \uc870\uc9c0\uc544(GA)\ub294 \uc0ac\uace0\uc0c1\ud574\uc640 \uad00\ub828\ud558\uc5ec \ub9e4\uc6b0 \uc0c1\uc774\ud55c \ubc95 \uccb4\uacc4\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":24886,"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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