{"id":25335,"date":"2026-05-29T09:00:00","date_gmt":"2026-05-29T13:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=25335"},"modified":"2026-05-28T23:52:27","modified_gmt":"2026-05-29T03:52:27","slug":"nj-pip-%ed%95%9c%eb%8f%84-15000-vs-250000-%ed%95%9c%ec%9d%b8-%ea%b0%80%ec%a0%95%ec%9d%b4-%ea%bc%ad-%ec%95%8c%ec%95%84%ec%95%bc-%ed%95%a0-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/nj-pip-%ed%95%9c%eb%8f%84-15000-vs-250000-%ed%95%9c%ec%9d%b8-%ea%b0%80%ec%a0%95%ec%9d%b4-%ea%bc%ad-%ec%95%8c%ec%95%84%ec%95%bc-%ed%95%a0-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80\/","title":{"rendered":"NJ PIP \ud55c\ub3c4 $15,000 vs $250,000 \u2014 \ud55c\uc778 \uac00\uc815\uc774 \uaf2d \uc54c\uc544\uc57c \ud560 \uc120\ud0dd \uae30\uc900"},"content":{"rendered":"\n<!-- \uc1a1\ub85c\ud38c \uce7c\ub7fc #2 \u2014 \ud55c\uad6d\uc5b4 -->\n<style>\n.slf-pi { font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, \"Noto Sans KR\", \"Apple SD Gothic Neo\", sans-serif; 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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\">NJ PIP \ud55c\ub3c4 $15,000 vs $250,000 \u2014 \ud55c\uc778 \uac00\uc815\uc774 \uaf2d \uc54c\uc544\uc57c \ud560 \uc120\ud0dd \uae30\uc900<\/h1>\n  <div class=\"slf-key-answer\">\n    <div class=\"slf-ka-label\">\ud55c \uc904 \ub2f5\ubcc0<\/div>\n    <p>NJ \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 PIP(\uac1c\uc778\uc0c1\ud574\ubcf4\ud638) \uae30\ubcf8 \ud55c\ub3c4 <strong>$15,000\uc740 ER \ud55c \ubc88\uc774\uba74 \uac70\uc758 \ub2e4 \uc18c\uc9c4<\/strong>\ub429\ub2c8\ub2e4. \ud55c\uc778 \uac00\uc815\uc740 \ucd5c\uc18c <strong>$75,000<\/strong>, \uac00\ub2a5\ud558\uba74 <strong>$250,000<\/strong>\uc73c\ub85c \uc99d\uc561\ud558\uc2dc\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc6d4 \ubcf4\ud5d8\ub8cc \ucc28\uc774\ub294 \ubcf4\ud1b5 $5~$15\uc5d0 \ubd88\uacfc\ud558\uc9c0\ub9cc, \ud070 \uc0ac\uace0 \uc2dc \ud68c\uc218\uc561 \ucc28\uc774\ub294 \uc218\ub9cc~\uc218\uc2ed\ub9cc \ub2ec\ub7ec\uc5d0 \ub2ec\ud569\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\">PIP\uac00 \ubb34\uc5c7\uc774\uace0 \uc65c \uc911\uc694\ud55c\uac00<\/a><\/li>\n      <li><a href=\"#sec-2\">NJ\uac00 \uc81c\uacf5\ud558\ub294 5\uac00\uc9c0 PIP \ud55c\ub3c4 \uc635\uc158<\/a><\/li>\n      <li><a href=\"#sec-3\">$15,000\uc774 \uc65c \ubd80\uc871\ud55c\uac00 \u2014 \uc2e4\uc81c \ube44\uc6a9 \uc0ac\ub840<\/a><\/li>\n      <li><a href=\"#sec-4\">Health Primary vs PIP Primary \u2014 \uc758\ub8cc\ubcf4\ud5d8\uacfc\uc758 \uc21c\uc704 \uc120\ud0dd<\/a><\/li>\n      <li><a href=\"#sec-5\">&quot;Basic Policy&quot; \uc808\ub300 \uac00\uc785 \uae08\uc9c0<\/a><\/li>\n      <li><a href=\"#sec-6\">\ud55c\ub3c4\ub97c \uc62c\ub9ac\ub294 \ubc29\ubc95<\/a><\/li>\n    <\/ol>\n  <\/div>\n  <h2 id=\"sec-1\" class=\"slf-col-h2\">PIP\uac00 \ubb34\uc5c7\uc774\uace0 \uc65c \uc911\uc694\ud55c\uac00<\/h2>\n  <p>PIP(Personal Injury Protection)\ub294 NJ\uc758 \ubb34\uacfc\uc2e4(no-fault) \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc81c\ub3c4\uc758 \ud575\uc2ec\uc73c\ub85c, <strong>\ub204\uad6c \uc798\ubabb\uc774\ub4e0 \ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0\uc11c \uc758\ub8cc\ube44\u00b7\uc77c\uc2e4\uc218\uc785\uc744 \uc6b0\uc120 \uc9c0\uae09<\/strong>\ud574\uc8fc\ub294 \ubcf4\uc7a5\uc785\ub2c8\ub2e4. \uac00\ud574\uc790 \ubcf4\ud5d8\uc0ac\uac00 \ucc45\uc784\uc744 \uc778\uc815\ud558\uc9c0 \uc54a\uac70\ub098 \ubd84\uc7c1 \uc911\uc774\uc5b4\ub3c4 PIP\ub294 \uc989\uc2dc \uac00\ub3d9\ub429\ub2c8\ub2e4.<\/p>\n  <p>NJ\uc5d0 \ub4f1\ub85d\ub41c \ubaa8\ub4e0 \uc790\uac00\uc6a9\uc740 PIP \uac00\uc785\uc774 <strong>\ubc95\uc801 \uc758\ubb34<\/strong>\uc774\uba70, \ubcf8\uc778\ubfd0 \uc544\ub2c8\ub77c \ub3d9\uac70 \uac00\uc871, \ucc28\ub7c9 \ub3d9\uc2b9\uc790, \uc2ec\uc9c0\uc5b4 \ubcf8\uc778 \ucc28\uc5d0 \uce58\uc778 \ubcf4\ud589\uc790\uae4c\uc9c0 \ubcf4\uc7a5 \ubc94\uc704\uc5d0 \ub4e4\uc5b4\uac11\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-2\" class=\"slf-col-h2\">NJ\uac00 \uc81c\uacf5\ud558\ub294 5\uac00\uc9c0 PIP \ud55c\ub3c4 \uc635\uc158<\/h2>\n  <table>\n    <thead><tr>\n      <th>\ud55c\ub3c4<\/th>\n      <th>\uc6d4 \ubcf4\ud5d8\ub8cc \ucd94\uac00 (\ud3c9\uade0)<\/th>\n      <th>\ucd94\ucc9c \ub300\uc0c1<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>$15,000 (\uae30\ubcf8)<\/td>\n        <td>$0<\/td>\n        <td>\uad8c\uc7a5\ud558\uc9c0 \uc54a\uc74c<\/td>\n      <\/tr>\n      <tr>\n        <td>$50,000<\/td>\n        <td>\uc57d $3~$6<\/td>\n        <td>\ub3c5\uc2e0\u00b7\uccad\ub144<\/td>\n      <\/tr>\n      <tr>\n        <td>$75,000<\/td>\n        <td>\uc57d $5~$9<\/td>\n        <td><strong>\ud55c\uc778 \uac00\uc815 \ud45c\uc900 \uad8c\uc7a5<\/strong><\/td>\n      <\/tr>\n      <tr>\n        <td>$150,000<\/td>\n        <td>\uc57d $9~$14<\/td>\n        <td>\uc790\ub140\u00b7\ub178\ubd80\ubaa8 \ub3d9\uc2b9 \uac00\uc871<\/td>\n      <\/tr>\n      <tr>\n        <td>$250,000 (\ucd5c\ub300)<\/td>\n        <td>\uc57d $12~$20<\/td>\n        <td><strong>\uc1a1\ub85c\ud38c \uac15\ub825 \uad8c\uc7a5<\/strong><\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <p>\uc6d4 \ubcf4\ud5d8\ub8cc \ucc28\uc774\uac00 \ud06c\uc9c0 \uc54a\uc740 \uc774\uc720\ub294 PIP\uac00 \uc758\ub8cc\ubcf4\ud5d8\uacfc \ub2ec\ub9ac <strong>\uc0ac\uace0 \uc2dc\uc5d0\ub9cc \ubc1c\ub3d9<\/strong>\ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud3c9\uc18c\uc5d0\ub294 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc73c\ubbc0\ub85c \ubcf4\ud5d8\uc0ac \uc785\uc7a5\uc5d0\uc11c \ud55c\ub3c4\ub97c \uc62c\ub824\ub3c4 \ubd80\ub2f4\uc774 \uc801\uc2b5\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-3\" class=\"slf-col-h2\">$15,000\uc774 \uc65c \ubd80\uc871\ud55c\uac00 \u2014 \uc2e4\uc81c \ube44\uc6a9 \uc0ac\ub840<\/h2>\n  <p>\ud55c\uc778 \uc758\ub8b0\uc778\uc774 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\uc774 &quot;$15,000\uc774\uba74 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub0d0&quot;\ub294 \uac83\uc785\ub2c8\ub2e4. NJ ER \ud3c9\uade0 \ube44\uc6a9\uc744 \ub300\uc785\ud574\ubcf4\uba74 \ub2f5\uc774 \ub098\uc635\ub2c8\ub2e4.<\/p>\n  <table>\n    <thead><tr>\n      <th>\ud56d\ubaa9<\/th>\n      <th>\ud3c9\uade0 \ube44\uc6a9 (NJ)<\/th>\n      <th>$15K \uc794\uc5ec<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>\uc570\ubdf8\ub7f0\uc2a4<\/td>\n        <td>$1,200 ~ $2,500<\/td>\n        <td>$12,500<\/td>\n      <\/tr>\n      <tr>\n        <td>ER \uc9c4\ub8cc + \uc601\uc0c1\uac80\uc0ac<\/td>\n        <td>$3,500 ~ $8,000<\/td>\n        <td>$4,500<\/td>\n      <\/tr>\n      <tr>\n        <td>CT \ub610\ub294 MRI 1\ud68c<\/td>\n        <td>$2,500 ~ $4,500<\/td>\n        <td>$0 ~ $2,000<\/td>\n      <\/tr>\n      <tr>\n        <td>\uc785\uc6d0 1\ubc15 + \ubaa8\ub2c8\ud130\ub9c1<\/td>\n        <td>$3,000 ~ $6,000<\/td>\n        <td><strong>\uc989\uc2dc \ud55c\ub3c4 \ucd08\uacfc<\/strong><\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <div class=\"slf-callout\">\n    <strong>PIP $15,000 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\uba74<\/strong>, \ucd08\uacfc\ubd84\uc740 \ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8\uc5d0\uc11c \uccad\uad6c\ud574\uc57c \ud558\uba70 \uc758\ub8cc\ubcf4\ud5d8\uc774 \uc5c6\uc73c\uba74 \ubcf8\uc778 \ubd80\ub2f4\uc774 \ub429\ub2c8\ub2e4. \ud6c4\uc18d \uc7ac\ud65c\u00b7\ub3c4\uc218\uce58\ub8cc\u00b7\ud1b5\uc99d\uc8fc\uc0ac \ube44\uc6a9\uc774 \ud569\uc0b0\ub418\uba74 \ud070 \uc0ac\uace0\uc5d0\uc11c\ub294 \ud55c \ub2ec\ub3c4 \uc548 \ub418\uc5b4 \ud55c\ub3c4\uac00 \uc18c\uc9c4\ub429\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-4\" class=\"slf-col-h2\">Health Primary vs PIP Primary \u2014 \uc758\ub8cc\ubcf4\ud5d8\uacfc\uc758 \uc21c\uc704 \uc120\ud0dd<\/h2>\n  <p>NJ\uc5d0\uc11c\ub294 \ubcf8\uc778\uc774 \ubcc4\ub3c4 \uc758\ub8cc\ubcf4\ud5d8(\uc9c1\uc7a5\ubcf4\ud5d8\u00b7Marketplace \ub4f1)\uc744 \uac00\uc9c0\uace0 \uc788\uc744 \ub54c <strong>&quot;Health Primary&quot; \uc635\uc158\uc744 \uc120\ud0dd<\/strong>\ud558\uba74 PIP \ubcf4\ud5d8\ub8cc\ub97c \ub354 \ub0ae\ucd9c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774 \uc120\ud0dd\uc740 \ud568\uc815\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n  <ul>\n    <li>Health Primary \uc120\ud0dd \uc2dc \u2192 \uc758\ub8cc\ube44\ub97c <strong>\ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8\uc774 \uba3c\uc800 \uc9c0\uae09<\/strong><\/li>\n    <li>\ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8\uc758 deductible\u00b7copay\u00b7\ub124\ud2b8\uc6cc\ud06c \uc81c\ud55c\uc774 \uadf8\ub300\ub85c \uc801\uc6a9\ub428<\/li>\n    <li>\ub098\uc911\uc5d0 \uac00\ud574\uc790 \uce21\uc5d0 \uccad\uad6c \uc2dc \ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8\uc0ac\uac00 <strong>\ubcf4\uc804\uad8c(subrogation)<\/strong>\uc73c\ub85c \ud68c\uc218\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uace0, <strong>\ubcf4\ud5d8 \uc815\ucc45\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4<\/strong><\/li>\n    <li>PIP Primary \uc120\ud0dd \uc2dc \u2192 PIP\uac00 \uba3c\uc800 \uc9c0\uae09\ud558\ubbc0\ub85c \ubcf8\uc778 \ubd80\ub2f4 \ucd5c\uc18c\ud654<\/li>\n  <\/ul>\n  <div class=\"slf-callout\">\n    <strong>\uc1a1\ub85c\ud38c \uad8c\uc7a5:<\/strong> Medicare \uac00\uc785\uc790 \ub4f1 \ud2b9\uc218\ud55c \uacbd\uc6b0\ub97c \uc81c\uc678\ud558\uba74 \ud55c\uc778 \uac00\uc815\uc740 <strong>PIP Primary \uc720\uc9c0<\/strong>\uac00 \uc548\uc804\ud569\ub2c8\ub2e4. \uc758\ub8cc\ubcf4\ud5d8\uc0ac\uc758 \ubcf4\uc804\uad8c \uccad\uad6c\ub294 \ud569\uc758\uae08\uc5d0\uc11c \uc9c1\uc811 \ucc28\uac10\ub418\ubbc0\ub85c \uacb0\uad6d \ubcf8\uc778 \ud68c\uc218\uc561\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-5\" class=\"slf-col-h2\">&quot;Basic Policy&quot; \uc808\ub300 \uac00\uc785 \uae08\uc9c0<\/h2>\n  <p>NJ\ub294 \ubcf4\ud5d8\ub8cc\uac00 \ube44\uc2f8\uae30\ub85c \uc720\uba85\ud55c \uc8fc\uc774\uae30 \ub54c\ubb38\uc5d0, \uac00\uaca9\uc744 \ub0b4\uc138\uc6b4 \uad11\uace0 \uc911\uc5d0 &quot;Basic Policy&quot;\ub77c\ub294 \uc635\uc158\uc774 \uc788\uc2b5\ub2c8\ub2e4. PIP\uac00 \ub2e8 <strong>$15,000<\/strong>\uc774\uace0, <strong>\uc18c\uc1a1\uad8c(Right to Sue)<\/strong> \ub3c4 \uc0ac\uc2e4\uc0c1 \uc81c\ud55c\ub418\ub294 \uc815\ucc45\uc785\ub2c8\ub2e4.<\/p>\n  <ul>\n    <li>\uc81c\ub300\ub85c \ub41c \ubd80\uc0c1\uc5d0 \ub300\ud55c \ud1b5\uc99d\u00b7\uc815\uc2e0\uc801 \uc190\ud574 \uccad\uad6c\uac00 \uac70\uc758 \ubd88\uac00\ub2a5<\/li>\n    <li>UM\/UIM \ubcf4\uc7a5\uc774 \uc57d\ud558\uac70\ub098 \uc5c6\uc74c<\/li>\n    <li>\ub2e8\uae30\uc801 \uc808\uac10\uc561 \uc6d4 $30~$50 vs \ud070 \uc0ac\uace0 \uc2dc \uc190\uc2e4 \uc218\uc2ed\ub9cc \ub2ec\ub7ec<\/li>\n  <\/ul>\n  <div class=\"slf-callout\">\n    <strong>Basic Policy\ub294 NJ\uc5d0\uc11c \uac00\uc7a5 \uc704\ud5d8\ud55c \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc120\ud0dd<\/strong>\uc785\ub2c8\ub2e4. \ud55c\uc778 \uc758\ub8b0\uc778 \uc911 \uc0ac\uace0 \ud6c4 &quot;\ubcf4\ud5d8\ub8cc \uc808\uc57d\ud558\ub824\uace0 Basic \uac00\uc785\ud588\ub294\ub370 \ubcf4\uc0c1\uc774 \uac70\uc758 \uc5c6\ub2e4&quot;\ub294 \uc0ac\ub840\uac00 \ub9e4\ub144 \ub2e4\uc218 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. <strong>\ubc18\ub4dc\uc2dc &quot;Standard Policy&quot;\ub97c \uc120\ud0dd<\/strong>\ud558\uc138\uc694.\n  <\/div>\n  <h2 id=\"sec-6\" class=\"slf-col-h2\">\ud55c\ub3c4\ub97c \uc62c\ub9ac\ub294 \ubc29\ubc95<\/h2>\n  <ol>\n    <li>\ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc99d\uc11c(Declarations Page) \ud655\uc778 \u2014 &quot;PIP&quot; \ud56d\ubaa9 \ucc3e\uae30<\/li>\n    <li>\ubcf4\ud5d8 \uc5d0\uc774\uc804\ud2b8\uc5d0 \uc804\ud654\ud558\uc5ec &quot;PIP \ud55c\ub3c4\ub97c $250,000\uc73c\ub85c \uc99d\uc561, UM\/UIM\ub3c4 \ud568\uaed8 $100,000\/$300,000 \uc99d\uc561&quot;<\/li>\n    <li>\uc2e0\uaddc \uc99d\uc11c \uc218\ub839 \ud6c4 \ubcf4\uad00<\/li>\n    <li>\uc6d4 \ubcf4\ud5d8\ub8cc \ucc28\uc774 \ud655\uc778 (\ubcf4\ud1b5 $15~$30 \uc778\uc0c1 \uc218\uc900)<\/li>\n  <\/ol>\n  <div class=\"slf-callout\">\n    <strong>\uc99d\uc561\uc740 \uc0ac\uace0 \ubc1c\uc0dd \ud6c4\uc5d0\ub294 \ubd88\uac00\ub2a5<\/strong>\ud569\ub2c8\ub2e4. \uc774 \uce7c\ub7fc\uc744 \uc77d\uc73c\uc2e0 \uae40\uc5d0 \uc624\ub298 \ubcf8\uc778 \ubcf4\ud5d8 \uc99d\uc11c\ub97c \uaebc\ub0b4 \ud655\uc778\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\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>PIP $15,000\uc774 \ub2e4 \ub5a8\uc5b4\uc9c0\uba74 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\ucd08\uacfc \uc758\ub8cc\ube44\ub294 \ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8\uc5d0\uc11c \uccad\uad6c\ub418\uba70, \uc758\ub8cc\ubcf4\ud5d8\uc774 \uc5c6\uac70\ub098 \ud55c\ub3c4 \ucd08\uacfc \uc2dc\uc5d0\ub294 \ubcf8\uc778 \ubd80\ub2f4\uc785\ub2c8\ub2e4. \ub098\uc911\uc5d0 \uac00\ud574\uc790 \uce21\uc5d0 \uccad\uad6c \uc2dc \uc758\ub8cc\ubcf4\ud5d8\uc0ac\uc758 \ubcf4\uc804\uad8c \uccad\uad6c\uac00 \ud569\uc758\uae08\uc5d0\uc11c \ucc28\uac10\ub418\uc5b4 <strong>\uacb0\uad6d \ubcf8\uc778 \ud68c\uc218\uc561\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4<\/strong>.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uc758\ub8cc\ubcf4\ud5d8\uc774 \uc788\uc73c\uba74 PIP \ud55c\ub3c4\ub97c \ub0ae\ucdb0\ub3c4 \ub418\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\uad8c\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc758\ub8cc\ubcf4\ud5d8\uc758 deductible\u00b7copay\u00b7\ub124\ud2b8\uc6cc\ud06c \uc81c\ud55c\uc774 \uc801\uc6a9\ub418\uba70, \ucd94\ud6c4 \ubcf4\uc804\uad8c \uccad\uad6c\ub85c \ud569\uc758\uae08\uc5d0\uc11c \ucc28\uac10\ub429\ub2c8\ub2e4. PIP Primary \uc720\uc9c0\uac00 \ud55c\uc778 \uac00\uc815\uc5d0 \uac00\uc7a5 \uc548\uc804\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ud55c\uad6d \uc758\ub8cc\ubcf4\ud5d8\uc740 NJ PIP\uc5d0 \uc601\ud5a5\uc744 \uc8fc\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\uc544\ub2c8\uc694. \ud55c\uad6d \uc758\ub8cc\ubcf4\ud5d8\uc740 NJ PIP\uc640 \ubb34\uad00\ud558\uba70, \ud55c\uad6d\uc5d0\uc11c \ubc1b\uc740 \uce58\ub8cc\ube44\ub294 \ubcc4\ub3c4 \uccad\uad6c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\uace0 \ud6c4 \ud55c\uad6d \uc77c\uc2dc \uadc0\uad6d \uc911 \ubc1b\uc740 \uce58\ub8cc\ub294 \uc601\ubb38 \uc9c4\ub8cc\uae30\ub85d\uc73c\ub85c \ubc88\uc5ed\u00b7\uc99d\ube59\ud574\uc57c PIP \ub610\ub294 \ud569\uc758\uae08\uc5d0 \ubc18\uc601 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>PIP\uac00 \ud55c\uc778 \ud55c\uc758\uc6d0\u00b7\uce68\uc220\ub3c4 \ubcf4\uc7a5\ud558\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\ub124. NJ PIP\ub294 \uc758\ud559\uc801 \ud544\uc694\uc131\uc774 \uc778\uc815\ub418\ub294 \ud55c\uc758\uc6d0 \uc9c4\ub8cc\u00b7\uce68\uc220\u00b7\ub3c4\uc218\uce58\ub8cc\ub97c \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \ub2e8, <strong>NJ \ub77c\uc774\uc120\uc2a4\uac00 \uc788\ub294 \uc758\ub8cc\uc9c4<\/strong>\uc774\uc5b4\uc57c \ud558\uba70, \uce58\ub8cc \uacc4\ud68d\uc11c(treatment plan)\uc640 \uc815\uae30 \uc9c4\ub8cc\uae30\ub85d\uc774 \uc815\ud655\ud788 \uc791\uc131\ub418\uc5b4\uc57c \ubcf4\ud5d8\uc0ac\uac00 \uac70\uc808\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uac00\uc871 \ud55c\ub3c4\uc640 \ubcf8\uc778 \ud55c\ub3c4 \uc911 \uc5b4\ub290 \uac8c \uba3c\uc800 \ubc1c\ub3d9\ub418\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\ubcf8\uc778\uc774 \uc6b4\uc804 \uc911\uc774\uc5c8\ub2e4\uba74 <strong>\ubcf8\uc778 \ucc28\ub7c9 \ubcf4\ud5d8 PIP\uac00 \uc6b0\uc120<\/strong>, \ub3d9\uc2b9\uc790\/\ubcf4\ud589\uc790\uc600\ub2e4\uba74 \ub2e4\ub978 \ucc28\ub7c9 \ub610\ub294 \uac00\uc871 \ucc28\ub7c9 PIP\uac00 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc21c\uc704\ub294 \uc0ac\uace0 \ud615\ud0dc\uc640 \uac70\uc8fc\uad00\uacc4\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ubbc0\ub85c \ubcc0\ud638\uc0ac \uc0c1\ub2f4 \uc2dc \uc815\ud655\ud788 \uc548\ub0b4\ubc1b\uc73c\uc2dc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <div class=\"slf-cta\">\n    <h3>\ubcf8\uc778 PIP \ud55c\ub3c4 \uac80\ud1a0 \u2014 \ubb34\ub8cc \uc0c1\ub2f4\ubc1b\uc73c\uc138\uc694<\/h3>\n    <p>\ubcf4\ud5d8 \uc99d\uc11c \ud55c \uc7a5\uc73c\ub85c \uc0ac\uace0 \uc2dc \ud68c\uc218\uc561\uc774 \uacb0\uc815\ub429\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\": \"NJ PIP \ud55c\ub3c4 $15,000 vs $250,000 \u2014 \ud55c\uc778 \uac00\uc815\uc774 \uaf2d \uc54c\uc544\uc57c \ud560 \uc120\ud0dd \uae30\uc900\",\n      \"description\": \"NJ \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 PIP(\uac1c\uc778\uc0c1\ud574\ubcf4\ud638) \uae30\ubcf8 \ud55c\ub3c4 $15,000\uc740 ER \ud55c \ubc88\uc774\uba74 \uac70\uc758 \ub2e4 \uc18c\uc9c4\ub429\ub2c8\ub2e4. \ud55c\uc778 \uac00\uc815\uc740 \ucd5c\uc18c $75,000, \uac00\ub2a5\ud558\uba74 $250,000\uc73c\ub85c \uc99d\uc561\ud558\uc2dc\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc6d4 \ubcf4\ud5d8\ub8cc \ucc28\uc774\ub294 \ubcf4\ud1b5 $5~$15\uc5d0 \ubd88\uacfc\ud558\uc9c0\ub9cc, \ud070 \uc0ac\uace0 \uc2dc \ud68c\uc218\uc561 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PIP Primary \uc720\uc9c0\uac00 \ud55c\uc778 \uac00\uc815\uc5d0 \uac00\uc7a5 \uc548\uc804\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"\ud55c\uad6d \uc758\ub8cc\ubcf4\ud5d8\uc740 NJ PIP\uc5d0 \uc601\ud5a5\uc744 \uc8fc\ub098\uc694?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"\uc544\ub2c8\uc694. \ud55c\uad6d \uc758\ub8cc\ubcf4\ud5d8\uc740 NJ PIP\uc640 \ubb34\uad00\ud558\uba70, \ud55c\uad6d\uc5d0\uc11c \ubc1b\uc740 \uce58\ub8cc\ube44\ub294 \ubcc4\ub3c4 \uccad\uad6c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\uace0 \ud6c4 \ud55c\uad6d \uc77c\uc2dc \uadc0\uad6d \uc911 \ubc1b\uc740 \uce58\ub8cc\ub294 \uc601\ubb38 \uc9c4\ub8cc\uae30\ub85d\uc73c\ub85c \ubc88\uc5ed\u00b7\uc99d\ube59\ud574\uc57c PIP \ub610\ub294 \ud569\uc758\uae08\uc5d0 \ubc18\uc601 \uac00\ub2a5\ud569\ub2c8\ub2e4.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"PIP\uac00 \ud55c\uc778 \ud55c\uc758\uc6d0\u00b7\uce68\uc220\ub3c4 \ubcf4\uc7a5\ud558\ub098\uc694?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"\ub124. 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[&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":25358,"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":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","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":[196,224],"tags":[3786,2816,3788,3152,3787],"class_list":["post-25335","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-columns","category-personal-injury-legal-columns","tag-nj-","tag-pip","tag-3788","tag-3152","tag-3787"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>NJ PIP \ud55c\ub3c4 $15,000 vs $250,000 \u2014 \ud55c\uc778 \uac00\uc815\uc774 \uaf2d \uc54c\uc544\uc57c \ud560 \uc120\ud0dd \uae30\uc900 - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"description\" content=\"NJ \uc790\ub3d9\ucc28 \ubcf4\ud5d8 PIP \ud55c\ub3c4 5,000\uc740 ER \ud55c \ubc88\uc774\uba74 \ub05d\ub0a9\ub2c8\ub2e4. \ud55c\uc778 \uac00\uc815\uc5d0 \uad8c\uc7a5\ud558\ub294 5,000~50,000 \ud55c\ub3c4\uc640 \uc6d4\ubcf4\ud5d8\ub8cc \ucc28\uc774, \uc758\ub8cc\ubcf4\ud5d8 \uc6b0\uc120\uc21c\uc704\uae4c\uc9c0 \uc1a1\ub85c\ud38c \uc0ac\uace0\uc0c1\ud574\ud300\uc758 \uc2e4\ubb34 \uac00\uc774\ub4dc.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/songlawfirm.com\/ko\/nj-pip-%ed%95%9c%eb%8f%84-15000-vs-250000-%ed%95%9c%ec%9d%b8-%ea%b0%80%ec%a0%95%ec%9d%b4-%ea%bc%ad-%ec%95%8c%ec%95%84%ec%95%bc-%ed%95%a0-%ec%84%a0%ed%83%9d-%ea%b8%b0%ec%a4%80\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NJ PIP \ud55c\ub3c4 $15,000 vs $250,000 \u2014 \ud55c\uc778 \uac00\uc815\uc774 \uaf2d \uc54c\uc544\uc57c \ud560 \uc120\ud0dd \uae30\uc900\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. 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