{"id":25336,"date":"2026-05-30T09:00:00","date_gmt":"2026-05-30T13:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=25336"},"modified":"2026-05-28T23:52:43","modified_gmt":"2026-05-29T03:52:43","slug":"%ec%9a%b0%eb%b2%84%c2%b7%eb%a6%ac%ed%94%84%ed%8a%b8-%ec%82%ac%ea%b3%a0-%ec%9a%b4%ed%96%89-%eb%8b%a8%ea%b3%84%ec%97%90-%eb%94%b0%eb%9d%bc-%eb%b3%b4%ec%83%81%ec%9d%b4-60%eb%b0%b0-%ec%b0%a8%ec%9d%b4","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ec%9a%b0%eb%b2%84%c2%b7%eb%a6%ac%ed%94%84%ed%8a%b8-%ec%82%ac%ea%b3%a0-%ec%9a%b4%ed%96%89-%eb%8b%a8%ea%b3%84%ec%97%90-%eb%94%b0%eb%9d%bc-%eb%b3%b4%ec%83%81%ec%9d%b4-60%eb%b0%b0-%ec%b0%a8%ec%9d%b4\/","title":{"rendered":"\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \uc0ac\uace0, \uc6b4\ud589 \ub2e8\uacc4\uc5d0 \ub530\ub77c \ubcf4\uc0c1\uc774 60\ubc30 \ucc28\uc774\ub098\ub294 \uc774\uc720"},"content":{"rendered":"\n<!-- \uc1a1\ub85c\ud38c \uce7c\ub7fc #3 \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; color: #222; line-height: 1.8; max-width: 820px; margin: 0 auto; padding: 0 20px; word-break: keep-all; }\n.slf-pi * { box-sizing: border-box; }\n.slf-pi h1.slf-col-h1 { font-size: 32px; font-weight: 800; color: #1a3a5c; line-height: 1.3; margin: 0 0 18px; }\n.slf-pi .slf-byline { display: flex; flex-wrap: wrap; gap: 12px 18px; padding: 14px 18px; background: #f7f5f0; border-left: 3px solid #b8860b; margin: 0 0 32px; font-size: 13px; color: #666; }\n.slf-pi .slf-byline strong { color: #1a3a5c; }\n.slf-pi .slf-key-answer { background: linear-gradient(135deg, #fff8e7 0%, #faf3e0 100%); border: 1px solid #b8860b; padding: 22px 26px; border-radius: 6px; margin: 0 0 36px; }\n.slf-pi .slf-key-answer .slf-ka-label { font-size: 12px; font-weight: 700; color: #b8860b; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 8px; }\n.slf-pi .slf-key-answer p { font-size: 16px; 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: #1a3a5c; }\n.slf-pi table { width: 100%; border-collapse: collapse; margin: 18px 0 26px; font-size: 15px; }\n.slf-pi th { background: #1a3a5c; color: #fff; padding: 10px 12px; text-align: left; font-weight: 600; }\n.slf-pi td { padding: 10px 12px; border-bottom: 1px solid #e8e4dc; vertical-align: top; }\n.slf-pi .slf-callout { background: #f0f5fa; border-left: 4px solid #1a3a5c; padding: 16px 20px; margin: 20px 0; font-size: 15px; color: #333; border-radius: 0 4px 4px 0; }\n.slf-pi .slf-callout strong { color: #1a3a5c; }\n.slf-pi .slf-faq-section { margin-top: 48px; padding-top: 36px; border-top: 2px solid #e8e4dc; }\n.slf-pi .slf-q { background: #fff; border: 1px solid #e8e4dc; margin-bottom: 12px; border-radius: 4px; overflow: hidden; }\n.slf-pi .slf-q[open] { box-shadow: 0 4px 16px rgba(26,58,92,.08); }\n.slf-pi .slf-q summary { padding: 16px 48px 16px 20px; cursor: pointer; font-weight: 600; font-size: 16px; color: #1a3a5c; position: relative; list-style: none; }\n.slf-pi .slf-q 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\">\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \uc0ac\uace0, \uc6b4\ud589 \ub2e8\uacc4\uc5d0 \ub530\ub77c \ubcf4\uc0c1\uc774 60\ubc30 \ucc28\uc774\ub098\ub294 \uc774\uc720<\/h1>\n  <div class=\"slf-key-answer\">\n    <div class=\"slf-ka-label\">\ud55c \uc904 \ub2f5\ubcc0<\/div>\n    <p>\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \uc0ac\uace0\ub294 <strong>\uc6b4\uc804\uc790\uac00 \uc571\uc744 \uc5b4\ub5a4 \uc0c1\ud0dc\ub85c \ucf1c\uace0 \uc788\uc5c8\ub290\ub0d0<\/strong>\uc5d0 \ub530\ub77c \ubcf4\uc7a5 \ud55c\ub3c4\uac00 <strong>$25,000(\uac1c\uc778 \ubcf4\ud5d8)\uc5d0\uc11c $1.5M(\ud68c\uc0ac \ubcf4\ud5d8)\uae4c\uc9c0 60\ubc30 \ucc28\uc774<\/strong>\uac00 \ub0a9\ub2c8\ub2e4. \ubcf8\uc778\uc774 \uc6b0\ubc84 \ub3d9\uc2b9\uc790, \ubcf4\ud589\uc790, \ub610\ub294 \uc6b0\ubc84 \uc6b4\uc804\uc790\uc600\ub294\uc9c0\uc5d0 \ub530\ub77c \uccad\uad6c \ud750\ub984\uc774 \uc644\uc804\ud788 \ub2ec\ub77c\uc9c0\ubbc0\ub85c \uc0ac\uace0 \uc9c1\ud6c4 \uc6b0\ubc84 \uc601\uc218\uc99d\u00b7\uc571 \ud654\uba74\u00b7\ucc28\ub7c9\ubc88\ud638\ub97c \ubc18\ub4dc\uc2dc \ubcf4\uc874\ud558\uace0 \ubcc0\ud638\uc0ac \uc0c1\ub2f4\uc744 \ubc1b\uc73c\uc154\uc57c \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\">\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8\uac00 NJ\uc5d0\uc11c \uac00\uc785 \uc758\ubb34\uc778 3\ub2e8\uacc4 \ubcf4\ud5d8<\/a><\/li>\n      <li><a href=\"#sec-2\">Period 0 \u2014 \uc571 \uaebc\uc9d0 \uc0c1\ud0dc\uc5d0\uc11c\uc758 \uc0ac\uace0<\/a><\/li>\n      <li><a href=\"#sec-3\">Period 1 \u2014 \uc571 \ucf1c\uace0 \uc2b9\uac1d \ub300\uae30 \uc911<\/a><\/li>\n      <li><a href=\"#sec-4\">Period 2 &amp; 3 \u2014 \ucf5c \uc218\ub77d \ud6c4 \/ \uc2b9\uac1d \ud0d1\uc2b9 \uc911<\/a><\/li>\n      <li><a href=\"#sec-5\">\uc0ac\uace0 \uc9c1\ud6c4 5\ubd84 \uace8\ub4e0\ud0c0\uc784 \u2014 \ubcf4\uc874\ud574\uc57c \ud560 5\uac00\uc9c0<\/a><\/li>\n      <li><a href=\"#sec-6\">\uc6b0\ubc84 \ud68c\uc0ac vs \uc6b4\uc804\uc790 \u2014 \ub204\uad6c\ub97c \uc0c1\ub300\ub85c \uc18c\uc1a1\ud558\ub098<\/a><\/li>\n    <\/ol>\n  <\/div>\n  <h2 id=\"sec-1\" class=\"slf-col-h2\">\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8\uac00 NJ\uc5d0\uc11c \uac00\uc785 \uc758\ubb34\uc778 3\ub2e8\uacc4 \ubcf4\ud5d8<\/h2>\n  <p>NJ\ub294 &quot;TNC\ubc95(Transportation Network Company Safety and Regulatory Act, 2017)&quot;\uc5d0 \ub530\ub77c \uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \uac19\uc740 \ud50c\ub7ab\ud3fc \ud68c\uc0ac\uac00 \uc6b4\uc804\uc790\uc5d0\uac8c <strong>3\ub2e8\uacc4 \ubcf4\ud5d8<\/strong>\uc744 \uc758\ubb34 \uc81c\uacf5\ud558\ub3c4\ub85d \uaddc\uc815\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7f0\ub370 \uc5b4\ub290 \ub2e8\uacc4\uc5d0 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\ub290\ub0d0\uc5d0 \ub530\ub77c \ubcf4\uc7a5 \ud55c\ub3c4\uac00 \uadf9\ub2e8\uc801\uc73c\ub85c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n  <table>\n    <thead><tr>\n      <th>Period<\/th>\n      <th>\uc6b4\uc804\uc790 \uc571 \uc0c1\ud0dc<\/th>\n      <th>\ubcf4\uc7a5 \ud55c\ub3c4<\/th>\n      <th>\ucc45\uc784 \ubcf4\ud5d8\uc0ac<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>Period 0<\/td>\n        <td>\uc571 \uaebc\uc9d0 (\uac1c\uc778 \uc6b4\ud589)<\/td>\n        <td>\uc6b4\uc804\uc790 \uac1c\uc778 \ubcf4\ud5d8\ub9cc<\/td>\n        <td>\uc6b4\uc804\uc790 \ubcf8\uc778 \ubcf4\ud5d8<\/td>\n      <\/tr>\n      <tr>\n        <td>Period 1<\/td>\n        <td>\uc571 \ucf1c\uace0 \ucf5c \ub300\uae30 \uc911<\/td>\n        <td>$50K\/$100K BI + $25K PD<\/td>\n        <td>\uc6b0\ubc84\/\ub9ac\ud504\ud2b8 \ubcf8\uc778<\/td>\n      <\/tr>\n      <tr>\n        <td>Period 2<\/td>\n        <td>\ucf5c \uc218\ub77d \ud6c4 \ud53d\uc5c5 \uac00\ub294 \uc911<\/td>\n        <td><strong>$1,500,000<\/strong> \ud1b5\ud569 \ud55c\ub3c4<\/td>\n        <td>\uc6b0\ubc84\/\ub9ac\ud504\ud2b8 \ubcf8\uc778<\/td>\n      <\/tr>\n      <tr>\n        <td>Period 3<\/td>\n        <td>\uc2b9\uac1d \ud0d1\uc2b9 \uc911<\/td>\n        <td><strong>$1,500,000<\/strong> \ud1b5\ud569 \ud55c\ub3c4<\/td>\n        <td>\uc6b0\ubc84\/\ub9ac\ud504\ud2b8 \ubcf8\uc778<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <div class=\"slf-callout\">\n    <strong>\ud575\uc2ec:<\/strong> \uac19\uc740 \uc0ac\uace0\ub77c\ub3c4 \uc6b4\uc804\uc790\uac00 \uc571\uc744 \ub044\uace0 \uc788\uc5c8\ub2e4\uba74 \ubcf8\uc778 \uac1c\uc778 \ubcf4\ud5d8(\ubcf4\ud1b5 $25K~$50K)\ub9cc \uc801\uc6a9\ub418\uc9c0\ub9cc, \uc571 \ucf1c\uace0 \ucf5c \uc218\ub77d \uc911\uc774\uc5c8\ub2e4\uba74 <strong>\uc6b0\ubc84 \ubcf4\ud5d8 $1.5M\uc774 \ubc1c\ub3d9<\/strong>\ub429\ub2c8\ub2e4. \uc601\uc218\uc99d\u00b7\uc571 \uc2a4\ud06c\ub9b0\uc0f7\uc774 \uacb0\uc815\uc801 \uc99d\uac70\uc785\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-2\" class=\"slf-col-h2\">Period 0 \u2014 \uc571 \uaebc\uc9d0 \uc0c1\ud0dc\uc5d0\uc11c\uc758 \uc0ac\uace0<\/h2>\n  <p>\uc6b0\ubc84 \uc6b4\uc804\uc790\uac00 <strong>\uc571\uc744 \ub048 \uc0c1\ud0dc\ub85c \uac1c\uc778 \uc6a9\ubb34\ub85c \uc6b4\ud589\ud558\ub2e4\uac00 \uc0ac\uace0<\/strong>\uac00 \ubc1c\uc0dd\ud55c \uacbd\uc6b0, \uc6b0\ubc84 \ud68c\uc0ac \ubcf4\ud5d8\uc740 \uc77c\uc808 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc624\ub85c\uc9c0 \uc6b4\uc804\uc790 \ubcf8\uc778\uc758 \uac1c\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\ub9cc \ucc45\uc784\uc9d1\ub2c8\ub2e4.<\/p>\n  <p>\ubb38\uc81c\ub294 \ub9ce\uc740 \uc6b0\ubc84 \uc6b4\uc804\uc790\uac00 <strong>\uac1c\uc778 \ubcf4\ud5d8\uc744 \uc77c\ubc18 \uc0ac\uc6a9 \ud55c\ub3c4\ub85c\ub9cc \uac00\uc785<\/strong>\ud558\uae30 \ub54c\ubb38\uc5d0, \uac00\ud574\uc790 \ubcf4\ud5d8 \ud55c\ub3c4\uac00 NJ \ucd5c\uc18c \uc758\ubb34 $35K\ubc16\uc5d0 \uc548 \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \ubcf8\uc778\uc758 UM\/UIM\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-3\" class=\"slf-col-h2\">Period 1 \u2014 \uc571 \ucf1c\uace0 \uc2b9\uac1d \ub300\uae30 \uc911<\/h2>\n  <p>\uc6b0\ubc84 \uc6b4\uc804\uc790\uac00 \uc571\uc744 \ucf1c\uace0 \ucf5c\uc744 \uae30\ub2e4\ub9ac\uace0 \uc788\ub294 \ub2e8\uacc4\uc785\ub2c8\ub2e4. \uc774\ub54c \ubc1c\uc0dd\ud55c \uc0ac\uace0\ub294 \uc6b0\ubc84\uac00 <strong>\uc778\ub2f9 $50,000 \/ \uc0ac\uace0\ub2f9 $100,000 BI + $25,000 \uc7ac\uc0b0\uc190\ud574<\/strong>\ub97c \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc77c\ubc18 NJ \ucd5c\uc18c \ud55c\ub3c4\ubcf4\ub2e4\ub294 \ud6e8\uc52c \ub192\uc9c0\ub9cc, \ud070 \ubd80\uc0c1\uc5d0\ub294 \uc5ec\uc804\ud788 \ubd80\uc871\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n  <p>\ub610\ud55c Period 1\uc5d0\uc11c\ub294 <strong>\uc6b4\uc804\uc790 \uac1c\uc778 \ubcf4\ud5d8\uc774 1\ucc28\ub85c \ucc45\uc784<\/strong>\uc9c0\uace0, \ud55c\ub3c4 \ucd08\uacfc\ubd84\ub9cc \uc6b0\ubc84 \ubcf4\ud5d8\uc774 \ubcf4\ucda9\ud558\ub294 \uad6c\uc870\uc778 \uc810\uc5d0 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \uccad\uad6c \uc808\ucc28\uac00 \ubcf5\uc7a1\ud574\uc9c0\ubbc0\ub85c \ubcc0\ud638\uc0ac \uc9c4\ud589\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-4\" class=\"slf-col-h2\">Period 2 &amp; 3 \u2014 \ucf5c \uc218\ub77d \ud6c4 \/ \uc2b9\uac1d \ud0d1\uc2b9 \uc911<\/h2>\n  <p>\uc6b4\uc804\uc790\uac00 \ucf5c\uc744 \uc218\ub77d\ud55c \uc21c\uac04\ubd80\ud130 \uc2b9\uac1d\uc744 \ubaa9\uc801\uc9c0\uc5d0 \ub0b4\ub824\uc904 \ub54c\uae4c\uc9c0, \uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8\ub294 <strong>\ud1b5\ud569 $1,500,000 \ucc45\uc784 \ubcf4\ud5d8<\/strong>\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774 \uae30\uac04\uc5d0 \ubc1c\uc0dd\ud55c \uc0ac\uace0\ub294 \ubcf4\uc7a5 \uaddc\ubaa8\uac00 \uc0ac\uc2e4\uc0c1 \uac70\uc758 \ubaa8\ub4e0 \ubd80\uc0c1\uc744 \ucee4\ubc84\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n  <ul>\n    <li>\ubcf8\uc778\uc774 <strong>\uc6b0\ubc84 \uc2b9\uac1d\uc73c\ub85c \ud0d1\uc2b9 \uc911\uc774\uc5c8\ub358 \uacbd\uc6b0<\/strong> \u2192 \uc6b0\ubc84 $1.5M \ubcf4\ud5d8 + UM\/UIM \uc790\ub3d9 \uc801\uc6a9<\/li>\n    <li>\ubcf8\uc778\uc774 <strong>\ub2e4\ub978 \ucc28\ub7c9 \uc6b4\uc804\uc790\uc600\uace0 \uc6b0\ubc84 \ucc28\ub7c9\uacfc \uc0ac\uace0<\/strong> \u2192 \uc6b0\ubc84 $1.5M \ubcf4\ud5d8\uc5d0 \uc9c1\uc811 \uccad\uad6c \uac00\ub2a5<\/li>\n    <li>\ubcf8\uc778\uc774 <strong>\ubcf4\ud589\uc790\uc600\uace0 \uc6b0\ubc84 \ucc28\ub7c9\uc5d0 \uce58\uc784<\/strong> \u2192 \uc6b0\ubc84 $1.5M \ubcf4\ud5d8 + \ubcf8\uc778 \uac00\uc871 PIP<\/li>\n  <\/ul>\n  <div class=\"slf-callout\">\n    <strong>\uc6b0\ubc84 \uce21\uc774 \uac00\uc7a5 \uc790\uc8fc \uc4f0\ub294 \ud68c\ud53c \uc804\ub7b5:<\/strong> &quot;\uc6b4\uc804\uc790\uac00 \uc571\uc744 \uc548 \ucf1c\uace0 \uc788\uc5c8\ub2e4&quot;\uace0 \uc8fc\uc7a5\ud558\uc5ec \ud68c\uc0ac \ubcf4\ud5d8\uc744 \uba74\ucc45\uc2dc\ud0a4\ub824 \ud569\ub2c8\ub2e4. \uc774 \ub54c\ubb38\uc5d0 \uc0ac\uace0 \uc9c1\ud6c4 <strong>\uc2b9\uac1d\uc740 \uc571\uc758 \uc601\uc218\uc99d \ud654\uba74 \ucea1\ucc98, \ubcf4\ud589\uc790\/\ud0c0 \uc6b4\uc804\uc790\ub294 \ucc28\ub7c9 \ub4f1\ub85d\ubc88\ud638 + \uc6b4\uc804\uc790 \uc774\ub984\uc744 \ud655\ubcf4<\/strong>\ud558\ub294 \uac83\uc774 \uacb0\uc815\uc801\uc785\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-5\" class=\"slf-col-h2\">\uc0ac\uace0 \uc9c1\ud6c4 5\ubd84 \uace8\ub4e0\ud0c0\uc784 \u2014 \ubcf4\uc874\ud574\uc57c \ud560 5\uac00\uc9c0<\/h2>\n  <ol>\n    <li><strong>\uc6b0\ubc84\/\ub9ac\ud504\ud2b8 \uc571 \uc601\uc218\uc99d \uc2a4\ud06c\ub9b0\uc0f7<\/strong> (\uc6b4\uc804\uc790 \uc774\ub984, \uc2dc\uac04, \uacbd\ub85c \ud3ec\ud568)<\/li>\n    <li><strong>\ucc28\ub7c9 \ub4f1\ub85d\ubc88\ud638(\ubc88\ud638\ud310) \uc0ac\uc9c4<\/strong><\/li>\n    <li><strong>\uc6b0\ubc84 \ucc28\ub7c9\uc758 \ud68c\uc0ac \ub9c8\ud06c\/\uc2a4\ud2f0\ucee4<\/strong> \uc0ac\uc9c4 (Period \uc785\uc99d)<\/li>\n    <li><strong>\uacbd\ucc30 \uc2e0\uace0 + \uacbd\ucc30 \ub9ac\ud3ec\ud2b8 \ubc88\ud638<\/strong><\/li>\n    <li><strong>\ud604\uc7a5 \uc0ac\uc9c4<\/strong> (\ucc28\ub7c9 \uc704\uce58, \uc2e0\ud638\ub4f1, \ub3c4\ub85c \uc0c1\ud0dc)<\/li>\n  <\/ol>\n  <h2 id=\"sec-6\" class=\"slf-col-h2\">\uc6b0\ubc84 \ud68c\uc0ac vs \uc6b4\uc804\uc790 \u2014 \ub204\uad6c\ub97c \uc0c1\ub300\ub85c \uc18c\uc1a1\ud558\ub098<\/h2>\n  <p>\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8\ub294 \uc6b4\uc804\uc790\ub97c <strong>&quot;\ub3c5\ub9bd \uacc4\uc57d\uc790(independent contractor)&quot;<\/strong> \ub85c \ubd84\ub958\ud558\uace0 \uc788\uc5b4, \ud68c\uc0ac\ub97c \uc9c1\uc811 \uc0c1\ub300\ub85c \uc18c\uc1a1\ud558\uba74 &quot;\uc6b4\uc804\uc790 \ucc45\uc784&quot;\uc73c\ub85c \ub5a0\ubc00\ub824\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc704\uc5d0\uc11c \uc124\uba85\ud55c 3\ub2e8\uacc4 \ubcf4\ud5d8\uc740 <strong>\ud68c\uc0ac\uac00 \uc81c\uacf5\ud558\ub294 \ubcf4\ud5d8\uc774\ubbc0\ub85c \uc6b4\uc804\uc790\ub97c \ud1b5\ud574 \ud68c\uc0ac \ubcf4\ud5d8\uc5d0 \uccad\uad6c<\/strong>\ud558\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n  <p>\uc2e4\ubb34\uc801\uc73c\ub85c\ub294 <strong>\uc6b4\uc804\uc790\uc640 \ud68c\uc0ac \ub458 \ub2e4 \ud53c\uace0\ub85c \uc9c0\uc815<\/strong>\ud558\uc5ec \uc18c\uc1a1\uc744 \uc9c4\ud589\ud558\uba74\uc11c, \ubcf4\ud5d8 \uccad\uad6c\ub294 \ud68c\uc0ac \uce21 \ubcf4\ud5d8\uc0ac(\uc6b0\ubc84\ub294 \ubcf4\ud1b5 Progressive, \ub9ac\ud504\ud2b8\ub294 \ubcf4\ud1b5 York Risk)\ub85c \uc9c4\ud589\ud569\ub2c8\ub2e4.<\/p>\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>\uc6b0\ubc84\uac00 &quot;\uc6b4\uc804\uc790\uac00 \uc571 \uaebc\uc838 \uc788\uc5c8\ub2e4&quot;\uace0 \uc8fc\uc7a5\ud558\uba70 \ubcf4\ud5d8\uc744 \uac70\uc808\ud558\uba74?<\/summary>\n    <div class=\"slf-a\">\uc571 \uc601\uc218\uc99d \ub610\ub294 \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c \ub0b4\uc5ed(\uc6b0\ubc84 \uacb0\uc81c\ub294 \ubaa8\ub450 \uc2dc\uac04 \uae30\ub85d\ub428)\uc73c\ub85c \uc785\uc99d \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud544\uc694\uc2dc \uc1a1\ub85c\ud38c\uc774 \uc6b0\ubc84 \ubcf8\uc0ac\uc5d0 <strong>\uc11c\uba74 \uc601\uc7a5(subpoena)<\/strong>\uc744 \ubc1c\ubd80\ud558\uc5ec \uc6b4\uc804\uc790\uc758 \uc571 \uc0c1\ud0dc \ub85c\uadf8\ub97c \uc9c1\uc811 \ud655\ubcf4\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uc6b0\ubc84 \uc601\uc218\uc99d\uc744 \ubabb \ubc1b\uc558\ub294\ub370 \uc5b4\ub5bb\uac8c \ud558\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\ubcf8\uc778 \uc6b0\ubc84 \uc571 \u2192 \uba54\ub274 \u2192 \uc6b4\ud589 \uae30\ub85d\uc5d0\uc11c \ud574\ub2f9 \uc6b4\ud589\uc744 \ucc3e\uc544 PDF\ub85c \ubc1c\uae09 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc774\uba54\uc77c\ub85c\ub3c4 \uc790\ub3d9 \ubc1c\uc1a1\ub418\ubbc0\ub85c \ubc1b\uc740\ud3b8\uc9c0\ud568\uc744 \ud655\uc778\ud558\uc2dc\uace0, \ubaa8\ub450 \uc0ac\ub77c\uc84c\ub2e4\uba74 \uc6b0\ubc84 \uace0\uac1d\uc13c\ud130\uc5d0 \uc6b4\ud589 \uae30\ub85d\uc744 \uc694\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ubcf8\uc778\uc774 \uc6b0\ubc84 \uc6b4\uc804\uc790\uc600\ub294\ub370 \uc0ac\uace0 \ub0ac\ub2e4\uba74?<\/summary>\n    <div class=\"slf-a\">\uc6b4\uc804\uc790 \ubcf8\uc778\uc774 \ubd80\uc0c1\ub2f9\ud55c \uacbd\uc6b0 \uc6b0\ubc84\ub294 <strong>\uc6b4\uc804\uc790\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc740 \ub9e4\uc6b0 \uc81c\ud55c\uc801<\/strong>\uc785\ub2c8\ub2e4. \ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 PIP, UM\/UIM, \uadf8\ub9ac\uace0 \uc6b0\ubc84\uac00 \uac00\uc785\ud55c \uc6b4\uc804\uc790 \uc0c1\ud574\ubcf4\ud5d8(Occupational Accident)\uc744 \uc870\ud569\ud574\uc57c \ud569\ub2c8\ub2e4. \uccad\uad6c \uad6c\uc870\uac00 \ubcf5\uc7a1\ud558\ubbc0\ub85c \ubc18\ub4dc\uc2dc \ubcc0\ud638\uc0ac \uc9c4\ud589\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ud55c\uad6d \uba74\ud5c8\ub85c \uc6b0\ubc84 \uc6b4\uc804\uc744 \ud558\ub2e4\uac00 \uc0ac\uace0\uac00 \ub0ac\ub2e4\uba74?<\/summary>\n    <div class=\"slf-a\">NJ\uc5d0\uc11c\ub294 \uc6b0\ubc84 \ub4f1\ub85d\uc744 \uc704\ud574 NJ \uc6b4\uc804\uba74\ud5c8\uac00 \ud544\uc218\uc785\ub2c8\ub2e4. \ud55c\uad6d \uba74\ud5c8\ub85c\ub9cc \uc6b4\ud589 \uc911 \uc0ac\uace0\uac00 \ub0ac\ub2e4\uba74 <strong>\ubb34\uba74\ud5c8 \uc6b4\ud589\uc73c\ub85c \uac04\uc8fc\ub418\uc5b4 \uc6b0\ubc84 \ubcf4\ud5d8\uacfc \uac1c\uc778 \ubcf4\ud5d8 \ubaa8\ub450 \uac70\uc808\ub420 \uc704\ud5d8<\/strong>\uc774 \ud07d\ub2c8\ub2e4. \uc989\uc2dc \ubcc0\ud638\uc0ac \uc0c1\ub2f4\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uc6b0\ubc84 \uce21 \ubcf4\ud5d8\uc0ac\uac00 \ud569\uc758\ub97c \uc81c\uc548\ud558\uba74 \ubc1b\uc544\ub3c4 \ub418\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\ucd08\uae30 \uc81c\uc548\uc740 \ud1b5\uc0c1 \uc815\ub2f9\ud55c \ubcf4\uc0c1\uae08\uc758 30~40% \uc218\uc900\uc785\ub2c8\ub2e4. \ubd80\uc0c1 \uc815\ub3c4\uac00 \ud655\uc815\ub418\uae30 \uc804(MMI \ub3c4\ub2ec \uc804)\uc5d0 \ud569\uc758\ud558\uba74 \ucd94\uac00 \uccad\uad6c\uac00 \uc601\uad6c \ubd88\uac00\ub2a5\ud574\uc9c0\ubbc0\ub85c, <strong>\ud569\uc758 \uc0ac\uc778 \uc804 \ubc18\ub4dc\uc2dc \ubcc0\ud638\uc0ac \uac80\ud1a0<\/strong>\ub97c \ubc1b\uc73c\uc154\uc57c \ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <div class=\"slf-cta\">\n    <h3>\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \uc0ac\uace0 \u2014 \ubb34\ub8cc \uc0c1\ub2f4\ubc1b\uc73c\uc138\uc694<\/h3>\n    <p>\uc6b4\ud589 \ub2e8\uacc4 \uc785\uc99d\uc774 \ubcf4\uc0c1 \uaddc\ubaa8\ub97c 60\ubc30 \ubc14\uafc9\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\": \"\uc6b0\ubc84\u00b7\ub9ac\ud504\ud2b8 \uc0ac\uace0, \uc6b4\ud589 \ub2e8\uacc4\uc5d0 \ub530\ub77c \ubcf4\uc0c1\uc774 60\ubc30 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