{"id":25332,"date":"2026-05-28T23:01:43","date_gmt":"2026-05-29T03:01:43","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=25332"},"modified":"2026-05-28T23:30:32","modified_gmt":"2026-05-29T03:30:32","slug":"%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%ac%b4%eb%b3%b4%ed%97%98-%ec%9a%b4%ec%a0%84%ec%9e%90%ec%97%90%ea%b2%8c-%ec%82%ac%ea%b3%a0%eb%8b%b9%ed%96%88%ec%9d%84-%eb%95%8c-%eb%b3%b4%ec%83%81","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%ac%b4%eb%b3%b4%ed%97%98-%ec%9a%b4%ec%a0%84%ec%9e%90%ec%97%90%ea%b2%8c-%ec%82%ac%ea%b3%a0%eb%8b%b9%ed%96%88%ec%9d%84-%eb%95%8c-%eb%b3%b4%ec%83%81\/","title":{"rendered":"\ub274\uc800\uc9c0\uc5d0\uc11c \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\uc5d0\uac8c \uc0ac\uace0\ub2f9\ud588\uc744 \ub54c \ubcf4\uc0c1\ubc1b\ub294 5\uac00\uc9c0 \ubc29\ubc95"},"content":{"rendered":"\n<!-- \uc1a1\ub85c\ud38c \uce7c\ub7fc #1 \u2014 \ud55c\uad6d\uc5b4 -->\n<style>\n.slf-pi { font-family: 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color: #333; margin: 0; line-height: 1.75; }\n.slf-pi .slf-toc { background: #f7f5f0; padding: 20px 26px; margin: 0 0 36px; border-radius: 4px; }\n.slf-pi .slf-toc .slf-toc-label { font-size: 13px; font-weight: 700; color: #1a3a5c; margin-bottom: 10px; }\n.slf-pi .slf-toc ol { margin: 0; padding-left: 22px; }\n.slf-pi .slf-toc li { font-size: 14px; color: #555; margin-bottom: 6px; }\n.slf-pi .slf-toc a { color: #1a3a5c; text-decoration: none; border-bottom: 1px solid transparent; }\n.slf-pi .slf-toc a:hover { border-bottom-color: #b8860b; color: #b8860b; }\n.slf-pi h2.slf-col-h2 { font-size: 24px; font-weight: 700; color: #1a3a5c; margin: 44px 0 16px; line-height: 1.35; }\n.slf-pi h3.slf-col-h3 { font-size: 19px; font-weight: 700; color: #1a3a5c; margin: 28px 0 12px; }\n.slf-pi p { font-size: 16px; margin: 0 0 16px; color: #333; }\n.slf-pi ul, .slf-pi ol { font-size: 16px; color: #333; padding-left: 22px; margin: 0 0 18px; }\n.slf-pi li { margin-bottom: 8px; }\n.slf-pi strong { color: 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summary::-webkit-details-marker { display: none; }\n.slf-pi .slf-q summary::after { content: \"+\"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); font-size: 22px; color: #b8860b; }\n.slf-pi .slf-q[open] summary::after { content: \"\u2212\"; }\n.slf-pi .slf-q .slf-a { padding: 0 20px 18px; font-size: 15px; color: #444; line-height: 1.8; }\n.slf-pi .slf-related { background: #f7f5f0; padding: 24px; margin: 40px 0; border-radius: 4px; }\n.slf-pi .slf-related .slf-related-label { font-size: 13px; font-weight: 700; color: #b8860b; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 12px; }\n.slf-pi .slf-related ul { margin: 0; padding-left: 22px; }\n.slf-pi .slf-related a { color: #1a3a5c; text-decoration: none; border-bottom: 1px solid #b8860b; }\n.slf-pi .slf-related a:hover { color: #b8860b; }\n.slf-pi .slf-cta { background: #1a3a5c; color: #fff; padding: 32px 28px; text-align: center; border-radius: 6px; margin: 40px 0 24px; }\n.slf-pi .slf-cta h3 { color: #fff; margin: 0 0 12px; font-size: 22px; }\n.slf-pi .slf-cta p { color: #d9e1ec; font-size: 16px; margin: 0 0 20px; }\n.slf-pi .slf-cta a.slf-btn { display: inline-block; background: #b8860b; color: #fff; padding: 14px 28px; text-decoration: none; font-weight: 700; border-radius: 4px; font-size: 16px; }\n.slf-pi .slf-cta a.slf-btn:hover { background: #a07408; }\n.slf-pi .slf-cta .slf-cta-contacts { text-align: left; max-width: 380px; margin: 0 auto 20px; padding: 18px 22px; background: rgba(255,255,255,.08); border-radius: 6px; }\n.slf-pi .slf-cta .slf-cta-row { color: #fff; font-size: 15px; margin: 0 0 8px; line-height: 1.7; }\n.slf-pi .slf-cta .slf-cta-row:last-child { margin-bottom: 0; }\n.slf-pi .slf-cta .slf-cta-row a { color: #fff; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,.4); }\n.slf-pi .slf-cta .slf-cta-row a:hover { border-color: #b8860b; }\n.slf-pi .slf-cta .slf-cta-icon { display: inline-block; width: 22px; }\n.slf-pi .slf-disclaimer-block { margin: 32px 0 24px; padding: 20px 24px; background: #f7f5f0; border-left: 3px solid #888; border-radius: 0 4px 4px 0; font-size: 12.5px; color: #666; line-height: 1.75; }\n.slf-pi .slf-disclaimer-block .slf-disclaimer-label { font-size: 12px; font-weight: 700; color: #555; margin-bottom: 10px; letter-spacing: 1px; }\n.slf-pi .slf-disclaimer-block p { font-size: 12.5px; color: #666; margin: 0 0 10px; line-height: 1.75; }\n.slf-pi .slf-disclaimer-block p:last-child { margin-bottom: 0; }\n.slf-pi .slf-disclaimer-block .slf-disclaimer-firm { color: #444; font-size: 12.5px; padding-top: 8px; border-top: 1px solid #e0ddd5; margin-top: 12px; }\n@media (max-width: 600px) {\n  .slf-pi h1.slf-col-h1 { font-size: 26px; }\n  .slf-pi h2.slf-col-h2 { font-size: 21px; }\n  .slf-pi p, .slf-pi ul, .slf-pi ol { font-size: 15.5px; }\n  .slf-pi .slf-key-answer p { font-size: 15px; }\n  .slf-pi table { font-size: 14px; }\n}\n<\/style>\n<article class=\"slf-pi\">\n  <h1 class=\"slf-col-h1\">\ub274\uc800\uc9c0\uc5d0\uc11c \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\uc5d0\uac8c \uc0ac\uace0\ub2f9\ud588\uc744 \ub54c \ubcf4\uc0c1\ubc1b\ub294 5\uac00\uc9c0 \ubc29\ubc95<\/h1>\n  <div class=\"slf-key-answer\">\n    <div class=\"slf-ka-label\">\ud55c \uc904 \ub2f5\ubcc0<\/div>\n    <p>\ub274\uc800\uc9c0\uc5d0\uc11c \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\uc5d0\uac8c \uc0ac\uace0\ub2f9\ud574\ub3c4 \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc788\ub294 \uae38\uc740 <strong>\ucd5c\uc18c 5\uac00\uc9c0<\/strong>\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 <strong>UM\/UIM(\ubb34\ubcf4\ud5d8\u00b7\ubd80\uc871\ubcf4\ud5d8 \uc6b4\uc804\uc790 \ubcf4\uc7a5)<\/strong>\uc774 1\uc21c\uc704\uc774\uba70, \uac00\uc871 \ubcf4\ud5d8\u00b7PIP\u00b7\ubb34\uacfc\uc2e4\ubcf4\ud5d8\u00b7\uac00\ud574\uc790 \uc9c1\uc811 \uc18c\uc1a1\uae4c\uc9c0 \uc21c\ucc28\uc801\uc73c\ub85c \ud65c\uc6a9\ud569\ub2c8\ub2e4. \ub2e8, \uc5b4\ub290 \uc635\uc158\uc744 \uc5b4\ub5bb\uac8c \uc870\ud569\ud558\ub290\ub0d0\uac00 \ud68c\uc218\uae08\uc744 \uacb0\uc815\ud558\ubbc0\ub85c \uc0ac\uace0 \ud6c4 \uac00\ub2a5\ud55c \ube68\ub9ac \ubcc0\ud638\uc0ac \uc0c1\ub2f4\uc744 \ubc1b\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n  <\/div>\n  <div class=\"slf-toc\">\n    <div class=\"slf-toc-label\">\ud83d\udcd1 \ubaa9\ucc28<\/div>\n    <ol>\n      <li><a href=\"#sec-1\">\uc65c \ub274\uc800\uc9c0\uc5d0\uc11c \ubb34\ubcf4\ud5d8 \uc0ac\uace0\uac00 \uc790\uc8fc \uc77c\uc5b4\ub098\ub098<\/a><\/li>\n      <li><a href=\"#sec-2\">\ubc29\ubc95 1 \u2014 \ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 UM\/UIM \ud65c\uc6a9 (1\uc21c\uc704)<\/a><\/li>\n      <li><a href=\"#sec-3\">\ubc29\ubc95 2 \u2014 \uac00\uc871 \uad6c\uc131\uc6d0\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ud65c\uc6a9<\/a><\/li>\n      <li><a href=\"#sec-4\">\ubc29\ubc95 3 \u2014 PIP(\uac1c\uc778\uc0c1\ud574\ubcf4\ud638)\ub85c \uc758\ub8cc\ube44 \uc989\uc2dc \ucc98\ub9ac<\/a><\/li>\n      <li><a href=\"#sec-5\">\ubc29\ubc95 4 \u2014 \ubcf4\ud589\uc790\u00b7\ub3d9\uc2b9\uc790\ub77c\uba74 \ub2e4\ub978 \ubcf4\ud5d8 \uc801\uc6a9 \uac00\ub2a5<\/a><\/li>\n      <li><a href=\"#sec-6\">\ubc29\ubc95 5 \u2014 \uac00\ud574\uc790 \ubcf8\uc778 \uc790\uc0b0\uc5d0 \uc9c1\uc811 \uc18c\uc1a1<\/a><\/li>\n      <li><a href=\"#sec-7\">\uc0ac\uace0 \ub2f9\uc77c \ubc18\ub4dc\uc2dc \ud574\uc57c \ud560 3\uac00\uc9c0<\/a><\/li>\n    <\/ol>\n  <\/div>\n  <h2 id=\"sec-1\" class=\"slf-col-h2\">\uc65c \ub274\uc800\uc9c0\uc5d0\uc11c \ubb34\ubcf4\ud5d8 \uc0ac\uace0\uac00 \uc790\uc8fc \uc77c\uc5b4\ub098\ub098<\/h2>\n  <p>\ub274\uc800\uc9c0\ub294 \uc6b4\uc804\uc790 \ubcf4\ud5d8 \uac00\uc785\uc774 \ubc95\uc801 \uc758\ubb34\uc774\uc9c0\ub9cc, \uc8fc \ubcf4\ud5d8\uc704\uc6d0\ud68c \ud1b5\uacc4\uc0c1 \uc6b4\uc804\uc790 \uc57d <strong>14%\uac00 \ubb34\ubcf4\ud5d8 \ub610\ub294 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 \ubd80\uc871\ud55c \uc0c1\ud0dc\ub85c \uc6b4\ud589<\/strong>\ud569\ub2c8\ub2e4. \ud55c\uc778 \uc758\ub8b0\uc778 \uc785\uc7a5\uc5d0\uc11c\ub294 \ub3c4\ub85c\uc5d0\uc11c \ub9c8\uc8fc\uce58\ub294 7~8\ub300 \uc911 1\ub300\uac00 \uc0ac\uace0\uac00 \ub098\ub3c4 \ubcf4\uc0c1\uc774 \uc5b4\ub824\uc6b8 \uc218 \uc788\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4.<\/p>\n  <p>\uadf8\ub7ec\ub098 \ubcf8\uc778 \ubcf4\ud5d8\uacfc NJ \uc8fc\ubc95\uc774 \uc81c\uacf5\ud558\ub294 \ubcf4\ud638 \uc7a5\uce58\ub97c \uc815\ud655\ud788 \ud65c\uc6a9\ud558\uba74 <strong>\uac00\ud574\uc790\uac00 \ubb34\ubcf4\ud5d8\uc774\uc5b4\ub3c4 \ucda9\ubd84\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \ub300\ubd80\ubd84<\/strong>\uc785\ub2c8\ub2e4. \ud575\uc2ec\uc740 \uc0ac\uace0 \uc9c1\ud6c4 \uc5b4\ub5a4 \uc635\uc158\uc774 \uc801\uc6a9 \uac00\ub2a5\ud55c\uc9c0\ub97c \ube60\ub974\uac8c \ud310\ub2e8\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-2\" class=\"slf-col-h2\">\ubc29\ubc95 1 \u2014 \ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 UM\/UIM \ud65c\uc6a9 (1\uc21c\uc704)<\/h2>\n  <p>\uac00\uc7a5 \uba3c\uc800 \uc0b4\ud3b4\ubcfc \uacf3\uc740 <strong>\ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc99d\uc758 UM(Uninsured Motorist) \/ UIM(Underinsured Motorist) \ud56d\ubaa9<\/strong>\uc785\ub2c8\ub2e4. \uac00\ud574\uc790\uac00 \ubb34\ubcf4\ud5d8\uc778 \uacbd\uc6b0 UM\uc774, \ubcf4\ud5d8\uc740 \uc788\uc9c0\ub9cc \ud55c\ub3c4\uac00 \ubd80\uc871\ud55c \uacbd\uc6b0 UIM\uc774 \ubc1c\ub3d9\ub429\ub2c8\ub2e4.<\/p>\n  <table>\n    <thead><tr>\n      <th>\uad6c\ubd84<\/th>\n      <th>\uc801\uc6a9 \uc0c1\ud669<\/th>\n      <th>NJ \ucd5c\uc18c \uc758\ubb34 \ud55c\ub3c4<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>UM (Uninsured)<\/td>\n        <td>\uac00\ud574\uc790\uac00 \ubcf4\ud5d8 \uc804\ud600 \uc5c6\uc74c<\/td>\n        <td>\uc778\ub2f9 $15,000 \/ \uc0ac\uace0\ub2f9 $30,000<\/td>\n      <\/tr>\n      <tr>\n        <td>UIM (Underinsured)<\/td>\n        <td>\uac00\ud574\uc790 \ubcf4\ud5d8 \ud55c\ub3c4 \ubd80\uc871<\/td>\n        <td>\ubcf8\uc778 BI \ud55c\ub3c4\uc640 \ub3d9\uc77c<\/td>\n      <\/tr>\n      <tr>\n        <td>UM\/UIM PD<\/td>\n        <td>\ucc28\ub7c9\u00b7\uc7ac\uc0b0 \uc190\ud574<\/td>\n        <td>$5,000 (\uc120\ud0dd\uc0ac\ud56d)<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <div class=\"slf-callout\">\n    <strong>\uc911\uc694:<\/strong> NJ \ucd5c\uc18c \uc758\ubb34 \ud55c\ub3c4(\uc778\ub2f9 $15,000)\ub294 \ud070 \ubd80\uc0c1\uc5d0\ub294 \ud131\uc5c6\uc774 \ubd80\uc871\ud569\ub2c8\ub2e4. \ud3c9\uc18c\uc5d0 <strong>UM\/UIM \ud55c\ub3c4\ub97c $100,000~$300,000\uc73c\ub85c \uc99d\uc561<\/strong>\ud574\ub450\uc2dc\ub294 \uac83\uc774 \ud55c\uc778 \uac00\uc815\uc758 \ud45c\uc900 \uad8c\uc7a5 \uc0ac\ud56d\uc785\ub2c8\ub2e4. \uc0ac\uace0 \ubc1c\uc0dd \ud6c4\uc5d0\ub294 \uc99d\uc561\uc774 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-3\" class=\"slf-col-h2\">\ubc29\ubc95 2 \u2014 \uac00\uc871 \uad6c\uc131\uc6d0\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ud65c\uc6a9<\/h2>\n  <p>\ubcf8\uc778\uc740 \ubcf4\ud5d8\uc774 \uc5c6\uac70\ub098 \ud55c\ub3c4\uac00 \ub0ae\uc544\ub3c4, <strong>\uac19\uc740 \uc8fc\uc18c\uc5d0 \uac70\uc8fc\ud558\ub294 \uac00\uc871 \uad6c\uc131\uc6d0(\ubc30\uc6b0\uc790\u00b7\ubd80\ubaa8\u00b7\uc790\ub140)\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8<\/strong>\uc744 \ud1b5\ud574 \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. NJ \uc8fc\ubc95\uc740 &quot;\ub3d9\uac70 \uac00\uc871(resident relative)&quot;\uc744 \ubcf4\ud5d8 \uc801\uc6a9 \ub300\uc0c1\uc5d0 \ud3ec\ud568\uc2dc\ud0a4\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n  <ul>\n    <li>\ubcf8\uc778\uc774 \ube44\uc6b4\uc804\uc790\uc774\uac70\ub098 \ubcf4\ud5d8\uc774 \uc5c6\ub294 \uacbd\uc6b0 \u2192 \ubd80\ubaa8\u00b7\ubc30\uc6b0\uc790 \ubcf4\ud5d8 UM \uc801\uc6a9 \uac00\ub2a5<\/li>\n    <li>\uc790\ub140\uac00 \uc0ac\uace0 \ub0ac\uc744 \ub54c \u2192 \ubcf8\uc778\uc758 \uac00\uc871 \ubcf4\ud5d8\uc73c\ub85c \ucc98\ub9ac \uac00\ub2a5<\/li>\n    <li>\uc8fc\uc758: <strong>&quot;\ub3d9\uac70&quot; \uc785\uc99d\uc774 \ud575\uc2ec<\/strong> (\uc6b4\uc804\uba74\ud5c8 \uc8fc\uc18c, \uc6b0\ud3b8\ubb3c, \uacf5\uacfc\uae08 \uba85\uc758 \ub4f1)<\/li>\n  <\/ul>\n  <h2 id=\"sec-4\" class=\"slf-col-h2\">\ubc29\ubc95 3 \u2014 PIP(\uac1c\uc778\uc0c1\ud574\ubcf4\ud638)\ub85c \uc758\ub8cc\ube44 \uc989\uc2dc \ucc98\ub9ac<\/h2>\n  <p>NJ\ub294 &quot;no-fault&quot; \uc8fc\uc774\uae30 \ub54c\ubb38\uc5d0, <strong>\ub204\uad6c \uc798\ubabb\uc774\ub4e0 \ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 PIP(Personal Injury Protection)\uac00 \uc758\ub8cc\ube44\ub97c \uc989\uc2dc \uc9c0\uae09<\/strong>\ud569\ub2c8\ub2e4. \uac00\ud574\uc790\uac00 \ubb34\ubcf4\ud5d8\uc774\uc5b4\ub3c4 PIP\ub294 \uc601\ud5a5\ubc1b\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n  <ul>\n    <li>\uae30\ubcf8 PIP \ud55c\ub3c4: <strong>$15,000<\/strong> (NJ \uc758\ubb34)<\/li>\n    <li>\uc99d\uc561 \uac00\ub2a5 \uc635\uc158: $50,000 \/ $75,000 \/ $150,000 \/ <strong>$250,000<\/strong><\/li>\n    <li>\uc801\uc6a9 \ubc94\uc704: ER, \uc785\uc6d0, \uc218\uc220, \uc7ac\ud65c, \uc815\uc2e0\uacfc \uc9c4\ub8cc, \ubd84\uc2e4 \uc784\uae08 \uc77c\ubd80<\/li>\n  <\/ul>\n  <p>PIP\ub294 \ubcf4\ud5d8\uc0ac\uac00 \ubcc4\ub3c4 \uccad\uad6c \uc5c6\uc774 \uc989\uc2dc \uac00\ub3d9\ub418\ubbc0\ub85c, \uc0ac\uace0 \uc9c1\ud6c4 \ubcd1\uc6d0\uc5d0 \uac00\uc2e4 \ub54c \ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc99d\uc744 \uac00\uc9c0\uace0 \uac00\uc2dc\uae30\ub9cc \ud558\uba74 \ub429\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-5\" class=\"slf-col-h2\">\ubc29\ubc95 4 \u2014 \ubcf4\ud589\uc790\u00b7\ub3d9\uc2b9\uc790\ub77c\uba74 \ub2e4\ub978 \ubcf4\ud5d8 \uc801\uc6a9 \uac00\ub2a5<\/h2>\n  <p>\ubcf8\uc778\uc774 \uc0ac\uace0 \ub2f9\uc2dc <strong>\uac77\uace0 \uc788\uc5c8\uac70\ub098 \ub2e4\ub978 \uc0ac\ub78c \ucc28\ub7c9\uc758 \ub3d9\uc2b9\uc790\uc600\ub2e4\uba74<\/strong> \uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\ud5d8\uc774 \ub354 \ub298\uc5b4\ub0a9\ub2c8\ub2e4.<\/p>\n  <table>\n    <thead><tr>\n      <th>\uc0c1\ud669<\/th>\n      <th>\uc801\uc6a9 \uac00\ub2a5\ud55c \ubcf4\ud5d8<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>\ubcf4\ud589\uc790\ub85c \ucc28\ub7c9\uc5d0 \uce58\uc784<\/td>\n        <td>\ubcf8\uc778\u00b7\uac00\uc871 \ubcf4\ud5d8 UM + \uac00\uc871 \ubcf4\ud5d8 PIP + <strong>NJPLIGA<\/strong><\/td>\n      <\/tr>\n      <tr>\n        <td>\ub3d9\uc2b9\uc790\ub85c \ud0d1\uc2b9 \uc911 \uc0ac\uace0<\/td>\n        <td>\ud0d1\uc2b9 \ucc28\ub7c9 \ubcf4\ud5d8 + \ubcf8\uc778 \uac00\uc871 \ubcf4\ud5d8 (\uc774\uc911 \uc801\uc6a9)<\/td>\n      <\/tr>\n      <tr>\n        <td>\ud0dd\uc2dc\u00b7\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \ub3d9\uc2b9 \uc911<\/td>\n        <td>\ud574\ub2f9 \ud68c\uc0ac \ubcf4\ud5d8 (\ucd5c\ub300 <strong>$1.5M<\/strong>)<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <h2 id=\"sec-6\" class=\"slf-col-h2\">\ubc29\ubc95 5 \u2014 \uac00\ud574\uc790 \ubcf8\uc778 \uc790\uc0b0\uc5d0 \uc9c1\uc811 \uc18c\uc1a1<\/h2>\n  <p>\uc704 4\uac00\uc9c0 \uc635\uc158\uc73c\ub85c\ub3c4 \uc190\ud574\uac00 \ud68c\uc218\ub418\uc9c0 \uc54a\uac70\ub098 \uac00\ud574\uc790\uc5d0\uac8c \uba85\ud655\ud55c \uc790\uc0b0(\uc8fc\ud0dd\u00b7\uc0ac\uc5c5\uccb4\u00b7\uc740\ud589 \uacc4\uc88c \ub4f1)\uc774 \uc788\ub294 \uacbd\uc6b0, <strong>\uac00\ud574\uc790 \ubcf8\uc778\uc744 \uc9c1\uc811 \uc0c1\ub300\ub85c \ubbfc\uc0ac \uc18c\uc1a1<\/strong>\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n  <p>\ub2e8, \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\ub294 \ub300\ubd80\ubd84 \uc790\uc0b0\uc774 \uc801\uae30 \ub54c\ubb38\uc5d0 \uc2e4\ud6a8\uc131\uc744 \uc0ac\uc804\uc5d0 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 \uc0ac\uac74 \uc778\uc218 \uc804 \uac00\ud574\uc790 \uc790\uc0b0 \uc870\ud68c(Asset Investigation)\ub97c \ud1b5\ud574 \uc2e4\uc81c \ud68c\uc218 \uac00\ub2a5\uc131\uc744 \ud310\ub2e8\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-7\" class=\"slf-col-h2\">\uc0ac\uace0 \ub2f9\uc77c \ubc18\ub4dc\uc2dc \ud574\uc57c \ud560 3\uac00\uc9c0<\/h2>\n  <ol>\n    <li><strong>\ubcd1\uc6d0 \uc9c4\ub8cc \ud6c4 \uc9c4\ub8cc\uae30\ub85d \ubcf4\uc874<\/strong> \u2014 PIP \uccad\uad6c\uc758 \ud575\uc2ec \uadfc\uac70<\/li>\n    <li><strong>\uacbd\ucc30 \uc2e0\uace0 + \uac00\ud574\uc790 \ubcf4\ud5d8 \ud655\uc778\uc11c<\/strong> \u2014 UM \uccad\uad6c \uc2dc \ud544\uc218 \uc99d\ube59<\/li>\n    <li><strong>\ubcc0\ud638\uc0ac \ubb34\ub8cc \uc0c1\ub2f4 (\uac00\ub2a5\ud55c \ube68\ub9ac)<\/strong> \u2014 \uc5b4\ub290 \ubcf4\ud5d8 \uc870\ud569\uc774 \ucd5c\ub300 \ud68c\uc218\uc778\uc9c0 \ud310\ub2e8<\/li>\n  <\/ol>\n  <div class=\"slf-callout\">\n    <strong>\ud55c\uc778 \uc758\ub8b0\uc778 \uc2e4\uc218 1\uc21c\uc704:<\/strong> &quot;\uac00\ud574\uc790\uac00 \ubb34\ubcf4\ud5d8\uc774\ub77c \ubcf4\uc0c1 \ubabb \ubc1b\uaca0\uc9c0&quot; \ud558\uace0 \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uc5d0 \uc2e0\uace0\ub97c \ubbf8\ub8e8\ub294 \uac83. UM \uccad\uad6c\ub294 NJ\uc5d0\uc11c <strong>\uc0ac\uace0 \ud6c4 \uc77c\uc815 \uae30\uac04 \ub0b4 \ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ud1b5\uc9c0\uac00 \uc758\ubb34<\/strong>\uc774\uba70, \ub2a6\uc73c\uba74 \uccad\uad6c\uad8c\uc774 \uac70\ubd80\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n  <\/div>\n  <div class=\"slf-related\">\n    <div class=\"slf-related-label\">\uad00\ub828 \uc815\ubcf4<\/div>\n    <ul>\n      <li><a href=\"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/%ec%82%ac%ea%b3%a0%ec%83%81%ed%95%b4\/\">\uc0ac\uace0\uc0c1\ud574 \uc804\ub2f4\ud300 \uc548\ub0b4 \u2192<\/a><\/li>\n      <li><a href=\"https:\/\/songlawfirm.com\/ko\/\uce74\ud14c\uace0\ub9ac\/\ubc95\ub960\uce7c\ub7fc\/\uc0ac\uace0-\uc0c1\ud574-columns\/\">\uc0ac\uace0\uc0c1\ud574 \ubc95\ub960\uce7c\ub7fc \uc804\uccb4 \ubcf4\uae30 \u2192<\/a><\/li>\n      <li><a href=\"https:\/\/songlawfirm.com\/ko\/\uce74\ud14c\uace0\ub9ac\/\uc131\uacf5\uc0ac\ub840\/\uc0ac\uace0-\uc0c1\ud574\/\">\uc1a1\ub85c\ud38c \uc0ac\uace0\uc0c1\ud574 \uc131\uacf5\uc0ac\ub840 \u2192<\/a><\/li>\n    <\/ul>\n  <\/div>\n  <h2 class=\"slf-col-h2 slf-faq-section\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n  <details class=\"slf-q\">\n    <summary>\ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uc5d0 \uccad\uad6c\ud558\uba74 \ubcf4\ud5d8\ub8cc\uac00 \uc624\ub974\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">UM\/UIM\uc740 \ubcf8\uc778 \uacfc\uc2e4\uc774 \uc544\ub2cc \uc0ac\uace0\uc5d0 \ub300\ud55c \uccad\uad6c\uc774\ubbc0\ub85c \uc77c\ubc18\uc801\uc73c\ub85c \ubcf4\ud5d8\ub8cc \uc778\uc0c1 \uc0ac\uc720\uac00 \ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e8, \ubcf4\ud5d8\uc0ac\ub9c8\ub2e4 \uc815\ucc45\uc774 \ub2e4\ub974\ubbc0\ub85c \uc774\ub294 \ubcf4\ud5d8\uc0ac\uc640 \uc0c1\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uac00\ud574\uc790\uac00 \ub3c4\uc8fc(\ube91\uc18c\ub2c8)\ud588\uc5b4\ub3c4 UM \uccad\uad6c\uac00 \uac00\ub2a5\ud55c\uac00\uc694?<\/summary>\n    <div class=\"slf-a\">\ub124, NJ\uc5d0\uc11c\ub294 \ube91\uc18c\ub2c8 \uc0ac\uace0\ub3c4 UM \uccad\uad6c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub2e8, <strong>\uacbd\ucc30 \uc2e0\uace0\uac00 \uc0ac\uace0 \uc9c1\ud6c4 \uc774\ub8e8\uc5b4\uc84c\uc5b4\uc57c \ud558\uba70<\/strong>, \ucc28\ub7c9\uacfc\uc758 \ubb3c\ub9ac\uc801 \uc811\ucd09\uc774 \uc788\uc5c8\uc74c\uc744 \uc785\uc99d\ud574\uc57c \ud569\ub2c8\ub2e4(\uc77c\ubd80 \uc608\uc678 \uc788\uc74c). \uc0ac\uace0 \uc9c1\ud6c4 \uacbd\ucc30 \uc2e0\uace0\uac00 \uacb0\uc815\uc801\uc785\ub2c8\ub2e4. <strong>\ubcf4\ud5d8\uc0ac\uc5d0 \ub530\ub77c \ubb3c\ub9ac\uc801\uc778 \uc99d\uac70\uac00 \uc5c6\ub294 \uacbd\uc6b0\ub294 \uccad\uad6c\uac00 \uac70\ubd80\ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>UM \uccad\uad6c\ub3c4 \uc2dc\ud6a8(statute of limitations)\uac00 \uc788\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">NJ\ub294 \uc77c\ubc18 \uc778\uc2e0\uc0ac\uace0 \uc2dc\ud6a8\uac00 <strong>\uc0ac\uace0\uc77c\ub85c\ubd80\ud130 2\ub144<\/strong>\uc785\ub2c8\ub2e4. UM \uccad\uad6c\ub3c4 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub418\uba70, \ucd94\uac00\ub85c \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uc5d0 &quot;\ud569\ub9ac\uc801 \uc2dc\uac04 \ub0b4 \ud1b5\uc9c0&quot; \uc758\ubb34\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\uc9c0\uac00 \ub2a6\uc73c\uba74 \uccad\uad6c\uac00 \uac70\ubd80\ub420 \uc218 \uc788\uc5b4 \uac00\ub2a5\ud55c \ube68\ub9ac \ubcc0\ud638\uc0ac \uc0c1\ub2f4\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uac00\ud574\uc790\uac00 \ubcf4\ud5d8\uc740 \uc788\uc9c0\ub9cc \ud55c\ub3c4\uac00 \ub108\ubb34 \ub0ae\uc73c\uba74 \uc5b4\ub5bb\uac8c \ud558\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\uac00\ud574\uc790 \ubcf4\ud5d8 \ud55c\ub3c4\uae4c\uc9c0 \uc6b0\uc120 \uccad\uad6c\ud55c \ud6c4, \ubd80\uc871\ubd84\uc5d0 \ub300\ud574 \ubcf8\uc778 UIM(Underinsured)\uc744 \ucd94\uac00 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608: \uac00\ud574\uc790 \ubcf4\ud5d8 $25,000 \ud55c\ub3c4 + \ubcf8\uc778 UIM $100,000 \ubcf4\uc720 \u2192 \ucd1d <strong>$125,000\uae4c\uc9c0 \ud68c\uc218 \uac00\ub2a5<\/strong>.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ud55c\uad6d\uc5b4\ub85c \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4 \uac00\ub2a5\ud55c\uac00\uc694?<\/summary>\n    <div class=\"slf-a\">\ub124. \uc1a1\ub85c\ud38c \ub300\ud45c \ubcc0\ud638\uc0ac Joseph Song(\uc1a1\ub3d9\ud638)\uacfc Senior Associate Stacey Chung(\uc2a4\ud14c\uc774\uc2dc \uc815)\uc774 \ud55c\uad6d\uc5b4\ub85c \uc9c1\uc811 \uc751\ub300\ud569\ub2c8\ub2e4. \uc804\ud654\u00b7\uce74\uce74\uc624\ud1a1\u00b7\uc774\uba54\uc77c \uc5b4\ub290 \ucc44\ub110\ub85c\ub4e0 \ubb34\ub8cc \uc0c1\ub2f4\uc744 \uc2e0\uccad\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <div class=\"slf-cta\">\n    <h3>\ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790 \uc0ac\uace0 \u2014 \ubb34\ub8cc \uc0c1\ub2f4\ubc1b\uc73c\uc138\uc694<\/h3>\n    <p>\uc0ac\uace0 \ud6c4 \uac00\ub2a5\ud55c \ube68\ub9ac \uc0c1\ub2f4\ubc1b\uc73c\uc2e4\uc218\ub85d \ud68c\uc218\uc561\uc774 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n    <div class=\"slf-cta-contacts\">\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udcde<\/span> \uc804\ud654: <a href=\"tel:+12014610031\"><strong>201-461-0031<\/strong><\/a><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udcac<\/span> \uce74\uce74\uc624\ud1a1 \ucc44\ub110: <strong>Song Law Firm<\/strong><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udce7<\/span> \uc774\uba54\uc77c: <a href=\"mailto:mail@songlawfirm.com\">mail@songlawfirm.com<\/a><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83c\udf10<\/span> \uc6f9\uc0ac\uc774\ud2b8: <a href=\"https:\/\/www.songlawfirm.com\">www.songlawfirm.com<\/a><\/div>\n    <\/div>\n    <a href=\"tel:+12014610031\" class=\"slf-btn\">\ud83d\udcde \uc9c0\uae08 \uc804\ud654\ud558\uae30<\/a>\n  <\/div>\n  <div class=\"slf-disclaimer-block\">\n    <div class=\"slf-disclaimer-label\">\u2696\ufe0f \uba74\ucc45\uc870\ud56d (Disclaimer)<\/div>\n    <p>\ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70, \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubcf8 \uce7c\ub7fc\uc744 \uc77d\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ubcc0\ud638\uc0ac-\uc758\ub8b0\uc778 \uad00\uacc4\uac00 \uc131\ub9bd\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubaa8\ub4e0 \uc0ac\uace0\uc0c1\ud574 \uc0ac\uac74\uc740 \uc0ac\uc2e4\uad00\uacc4, \ubd80\uc0c1 \uc815\ub3c4, \ubcf4\ud5d8 \ud55c\ub3c4 \ub4f1 \uac1c\ubcc4 \uc0ac\uc815\uc5d0 \ub530\ub77c \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c0\uba70, \ubcf8 \uce7c\ub7fc\uc5d0 \uc5b8\uae09\ub41c \uc0ac\ub840\ub098 \uacb0\uacfc\uac00 \ub3d9\uc77c\ud55c \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc815\ud655\ud55c \ubc95\ub960 \uc790\ubb38\uc740 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n    <p>\ubcf8 \uce7c\ub7fc\uc740 \uc1a1\ub85c\ud38c(Song Law Firm, \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc8fc \ub4f1\ub85d \ub85c\ud38c)\uc758 \ubc95\ub960 \uad11\uace0\uc774\uba70, NJ\u00b7NY Rules of Professional Conduct\ub97c \uc900\uc218\ud569\ub2c8\ub2e4.<\/p>\n    <p class=\"slf-disclaimer-firm\"><strong>Song Law Firm<\/strong> | Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024 | 201-461-0031 | mail@songlawfirm.com<\/p>\n  <\/div>\n<\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"Article\",\n      \"headline\": \"\ub274\uc800\uc9c0\uc5d0\uc11c \ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\uc5d0\uac8c \uc0ac\uace0\ub2f9\ud588\uc744 \ub54c \ubcf4\uc0c1\ubc1b\ub294 5\uac00\uc9c0 \ubc29\ubc95\",\n      \"description\": \"\ub274\uc800\uc9c0\uc5d0\uc11c \ubb34\ubcf4\ud5d8 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