{"id":25343,"date":"2026-06-04T09:00:00","date_gmt":"2026-06-04T13:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=25343"},"modified":"2026-06-02T08:13:06","modified_gmt":"2026-06-02T12:13:06","slug":"%eb%b3%b4%ed%97%98%ec%82%ac-%eb%85%b9%ec%b7%a8-%eb%8f%99%ec%9d%98%ec%84%9crecorded-statement%ec%97%90-%ec%82%ac%ec%9d%b8%ed%95%98%eb%a9%b4-%ec%95%88-%eb%90%98%eb%8a%94-%ec%9d%b4%ec%9c%a0","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%b3%b4%ed%97%98%ec%82%ac-%eb%85%b9%ec%b7%a8-%eb%8f%99%ec%9d%98%ec%84%9crecorded-statement%ec%97%90-%ec%82%ac%ec%9d%b8%ed%95%98%eb%a9%b4-%ec%95%88-%eb%90%98%eb%8a%94-%ec%9d%b4%ec%9c%a0\/","title":{"rendered":"\ubcf4\ud5d8\uc0ac &#8216;\ub179\ucde8 \ub3d9\uc758\uc11c(Recorded Statement)&#8217;\uc5d0 \uc0ac\uc778\ud558\uba74 \uc548 \ub418\ub294 \uc774\uc720"},"content":{"rendered":"\n<!-- \uc1a1\ub85c\ud38c \uce7c\ub7fc #8 \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 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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\">\ubcf4\ud5d8\uc0ac &quot;\ub179\ucde8 \ub3d9\uc758\uc11c(Recorded Statement)&quot;\uc5d0 \uc0ac\uc778\ud558\uba74 \uc548 \ub418\ub294 \uc774\uc720<\/h1>\n  <div class=\"slf-key-answer\">\n    <div class=\"slf-ka-label\">\ud55c \uc904 \ub2f5\ubcc0<\/div>\n    <p>\uc0ac\uace0 \ud6c4 \ubcf4\ud5d8\uc0ac(\ud2b9\ud788 \uc0c1\ub300\ud3b8)\uac00 \uc694\uad6c\ud558\ub294 <strong>\ub179\ucde8 \uc9c4\uc220\uc740 \ubc95\uc801 \uc758\ubb34\uac00 \uc544\ub2d9\ub2c8\ub2e4<\/strong>. \ub2f5\ubcc0 \ud55c\ub9c8\ub514\uac00 <strong>\ud569\uc758\uae08\uc744 30~70% \uae4e\ub294 \uacb0\uc815\uc801 \uc99d\uac70<\/strong>\uac00 \ub418\uba70, \ud55c \ubc88 \ub179\ucde8\ub41c \ub0b4\uc6a9\uc740 \uc218\uc815\uc774 \uac70\uc758 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. <strong>\ubcc0\ud638\uc0ac \uc785\ud68c \uc5c6\uc774\ub294 \uc808\ub300 \uc751\ud558\uc9c0 \ub9c8\uc138\uc694<\/strong>. \ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ub179\ucde8\ub3c4 \ubcc0\ud638\uc0ac \uac80\ud1a0 \ud6c4 \uc9c4\ud589\uc774 \uc548\uc804\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\">\ub179\ucde8 \ub3d9\uc758\uc11c\uac00 \ubb50\uace0 \ubcf4\ud5d8\uc0ac\ub294 \uc65c \uc694\uad6c\ud558\ub098<\/a><\/li>\n      <li><a href=\"#sec-2\">\ub179\ucde8\uac00 \ud569\uc758\uae08\uc744 \uae4e\ub294 4\uac00\uc9c0 \uba54\ucee4\ub2c8\uc998<\/a><\/li>\n      <li><a href=\"#sec-3\">\ubcf8\uc778 \ubcf4\ud5d8\uc0ac vs \uc0c1\ub300 \ubcf4\ud5d8\uc0ac \u2014 \uc758\ubb34 \ucc28\uc774<\/a><\/li>\n      <li><a href=\"#sec-4\">\uac70\uc808\ud558\ub294 \uc815\ud655\ud55c \ud45c\ud604 \u2014 \ud55c\uad6d\uc5b4 + \uc601\uc5b4 \uc2a4\ud06c\ub9bd\ud2b8<\/a><\/li>\n      <li><a href=\"#sec-5\">\uc5b4\uca54 \uc218 \uc5c6\uc774 \uc751\ud574\uc57c \ud55c\ub2e4\uba74 \u2014 6\uac00\uc9c0 \uc900\ube44\uc0ac\ud56d<\/a><\/li>\n      <li><a href=\"#sec-6\">\uc774\ubbf8 \ub179\ucde8\ub97c \ud588\ub2e4\uba74 \u2014 \uc0ac\ud6c4 \ub300\uc751<\/a><\/li>\n      <li><a href=\"#sec-7\">\uc11c\uba74 \uc9c4\uc220\uc11c(Written Statement)\ub294 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00<\/a><\/li>\n    <\/ol>\n  <\/div>\n  <h2 id=\"sec-1\" class=\"slf-col-h2\">\ub179\ucde8 \ub3d9\uc758\uc11c\uac00 \ubb50\uace0 \ubcf4\ud5d8\uc0ac\ub294 \uc65c \uc694\uad6c\ud558\ub098<\/h2>\n  <p>\ub179\ucde8 \ub3d9\uc758\uc11c(Recorded Statement)\ub294 \ubcf4\ud5d8\uc0ac \uc870\uc0ac\uad00(claims adjuster)\uc774 \ud53c\ud574\uc790\uc640 \ud1b5\ud654\ud558\uba74\uc11c <strong>\uc0ac\uace0 \uacbd\uc704\uc640 \ubd80\uc0c1 \uc0c1\ud0dc\ub97c \ub179\uc74c\ud558\uc5ec \ubcf4\uad00<\/strong>\ud558\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \ud45c\uba74\uc801\uc73c\ub85c\ub294 &quot;\uac1d\uad00\uc801 \uc0ac\uc2e4 \uc815\ub9ac&quot;\ub77c\uace0 \ud558\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 <strong>\ucd94\ud6c4 \ud569\uc758\u00b7\uc18c\uc1a1\uc5d0\uc11c \ubcf8\uc778\uc5d0\uac8c \ubd88\ub9ac\ud558\uac8c \uc4f8 \uc99d\uac70 \ud655\ubcf4<\/strong>\uac00 \ubaa9\uc801\uc785\ub2c8\ub2e4.<\/p>\n  <p>\ubcf4\ud5d8\uc0ac\ub294 \uc0ac\uace0 \ud6c4 \ube60\ub974\uba74 <strong>24\uc2dc\uac04, \ub2a6\uc5b4\ub3c4 1\uc8fc\uc77c \uc548\uc5d0<\/strong> \ub179\ucde8 \uc694\uccad\uc744 \ud569\ub2c8\ub2e4. \uc774 \uc2dc\uc810\uc740 \ud53c\ud574\uc790\uac00 \ubd80\uc0c1 \uc815\ub3c4\ub97c \uc815\ud655\ud788 \ubaa8\ub974\uace0, \uc0ac\uace0 \ucda9\uaca9\uc73c\ub85c \uae30\uc5b5\uc774 \ud750\ub9bf\ud558\uba70, \ubc95\uc801 \uc9c0\uc2dd\uc774 \uc5c6\ub294 \uac00\uc7a5 \ucde8\uc57d\ud55c \uc2dc\uae30\uc785\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-2\" class=\"slf-col-h2\">\ub179\ucde8\uac00 \ud569\uc758\uae08\uc744 \uae4e\ub294 4\uac00\uc9c0 \uba54\ucee4\ub2c8\uc998<\/h2>\n  <ol>\n    <li><strong>\ubd80\uc0c1 \ubd80\uc815 \ubc1c\uc5b8 \ucc44\uc99d<\/strong> \u2014 &quot;\uad1c\ucc2e\ub2e4&quot;, &quot;\ubcc4\ub85c \uc548 \uc544\ud504\ub2e4&quot;\uac00 \uc9c4\ub8cc\ube44 \uccad\uad6c \uac70\uc808 \uadfc\uac70<\/li>\n    <li><strong>\uacfc\uc2e4 \uc778\uc815 \ucc44\uc99d<\/strong> \u2014 &quot;\ub0b4\uac00 \uc880 \ube68\ub790\ub2e4&quot;, &quot;\uc8fc\ubcc0\uc744 \uc798 \ubabb \ubd24\ub2e4&quot;\uac00 \ubcf8\uc778 \uacfc\uc2e4 \ube44\uc728\ub85c \ud658\uc0b0<\/li>\n    <li><strong>\uae30\uc5b5 \ubd88\uc77c\uce58 \uc785\uc99d<\/strong> \u2014 \uccab \ub179\ucde8\uc640 \ud5a5\ud6c4 \uc99d\uc5b8\uc758 \uc791\uc740 \ucc28\uc774\ub97c \uc2e0\ub8b0\uc131 \uacf5\uaca9\uc5d0 \uc0ac\uc6a9<\/li>\n    <li><strong>\ud569\uc758 \ud55c\ub3c4 \uc0ac\uc804 \uacb0\uc815<\/strong> \u2014 \ub179\ucde8 \ub0b4\uc6a9 \uae30\ubc18\uc73c\ub85c \ubcf4\ud5d8\uc0ac \ub0b4\ubd80 \ud55c\ub3c4\ub97c \ubbf8\ub9ac \ucc45\uc815<\/li>\n  <\/ol>\n  <div class=\"slf-callout\">\n    <strong>\uc2e4\uc81c \uc0ac\ub840:<\/strong> \ud55c\uc778 \uc758\ub8b0\uc778\uc774 \uc0ac\uace0 \uc9c1\ud6c4 &quot;\ud5c8\ub9ac\uac00 \uc880 \ubed0\uadfc\ud55c \uac83 \uac19\uc740\ub370 \uadf8 \uc815\ub3c4\uc608\uc694&quot;\ub77c\uace0 \ub179\ucde8. \ud55c \ub2ec \ub4a4 MRI\uc5d0\uc11c \ucd94\uac04\ud310 \ud0c8\ucd9c \uc9c4\ub2e8. \ubcf4\ud5d8\uc0ac: &quot;\ubcf8\uc778\uc774 \ucc98\uc74c\uc5d0 \ubed0\uadfc\ud558\ub2e4\uace0\ub9cc \ud588\uc73c\ub2c8 \ub514\uc2a4\ud06c\ub294 \uc0ac\uace0\uc640 \ubb34\uad00&quot; \u2192 \ud569\uc758\uae08 70% \uc0ad\uac10 \uc2dc\ub3c4. \uc1a1\ub85c\ud38c\uc774 \uc0ac\ud6c4 \uc758\ud559\uc801 \uc778\uacfc\uad00\uacc4 \uc785\uc99d\uc73c\ub85c \ud68c\ubcf5\ud588\uc73c\ub098, <strong>\ub179\ucde8\uac00 \uc5c6\uc5c8\ub2e4\uba74 \ub354 \uc26c\uc6e0\uc744 \uc0ac\uac74<\/strong>.\n  <\/div>\n  <h2 id=\"sec-3\" class=\"slf-col-h2\">\ubcf8\uc778 \ubcf4\ud5d8\uc0ac vs \uc0c1\ub300 \ubcf4\ud5d8\uc0ac \u2014 \uc758\ubb34 \ucc28\uc774<\/h2>\n  <table>\n    <thead><tr>\n      <th>\uad6c\ubd84<\/th>\n      <th>\ubcf8\uc778 \ubcf4\ud5d8\uc0ac<\/th>\n      <th>\uc0c1\ub300 \ubcf4\ud5d8\uc0ac<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>\ub179\ucde8 \uc751\ud560 \uc758\ubb34<\/td>\n        <td>\uacc4\uc57d\uc0c1 &quot;\ud611\uc870 \uc758\ubb34&quot; \uc788\uc74c<\/td>\n        <td><strong>\uc644\uc804\ud788 \uc5c6\uc74c<\/strong><\/td>\n      <\/tr>\n      <tr>\n        <td>\uac70\uc808 \uc2dc \uacb0\uacfc<\/td>\n        <td>PIP\u00b7UM \uccad\uad6c \uc601\ud5a5 \uac00\ub2a5<\/td>\n        <td><strong>\uc804\ud600 \uc5c6\uc74c<\/strong><\/td>\n      <\/tr>\n      <tr>\n        <td>\ubcc0\ud638\uc0ac \uc785\ud68c<\/td>\n        <td>\uac00\ub2a5<\/td>\n        <td>\uac00\ub2a5 (\uac15\ub825 \uad8c\uc7a5)<\/td>\n      <\/tr>\n      <tr>\n        <td>\uac70\uc808 \ucd94\ucc9c\ub3c4<\/td>\n        <td>\ubcc0\ud638\uc0ac \uac80\ud1a0 \ud6c4 \uacb0\uc815<\/td>\n        <td><strong>\ud56d\uc0c1 \uac70\uc808<\/strong><\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <h2 id=\"sec-4\" class=\"slf-col-h2\">\uac70\uc808\ud558\ub294 \uc815\ud655\ud55c \ud45c\ud604 \u2014 \ud55c\uad6d\uc5b4 + \uc601\uc5b4 \uc2a4\ud06c\ub9bd\ud2b8<\/h2>\n  <h3 class=\"slf-col-h3\">\ud55c\uad6d\uc5b4 (\ud55c\uad6d\uc5b4 \ud1b5\uc5ed \uc694\uccad \ud6c4)<\/h3>\n  <p>&quot;\ub179\ucde8 \uc9c4\uc220\uc740 \ub3d9\uc758\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc81c \ubcc0\ud638\uc0ac \uc1a1\ub85c\ud38c 201-461-0031\ub85c \uc5f0\ub77d\uc8fc\uc2ed\uc2dc\uc624.&quot;<\/p>\n  <h3 class=\"slf-col-h3\">\uc601\uc5b4<\/h3>\n  <p>&quot;I do not consent to a recorded statement. Please contact my attorney at Song Law Firm, 201-461-0031. I will not answer any further questions at this time.&quot;<\/p>\n  <div class=\"slf-callout\">\n    <strong>\uc0c1\ub300 \ubcf4\ud5d8\uc0ac\ub294 \uc774 \ubb38\uc7a5 \ud55c\ub9c8\ub514\ub9cc\uc73c\ub85c \ub354 \uc774\uc0c1 \ubcf8\uc778\uc5d0\uac8c \uc9c1\uc811 \uc5f0\ub77d\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4<\/strong>. \ubcf4\ud5d8\uc0ac \uc870\uc0ac\uad00\uc740 \ubcc0\ud638\uc0ac \uc120\uc784\ub41c \uc758\ub8b0\uc778\uacfc \uc9c1\uc811 \uc811\ucd09\uc774 \uae08\uc9c0(NJ Rules of Professional Conduct)\ub418\uc5b4 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-5\" class=\"slf-col-h2\">\uc5b4\uca54 \uc218 \uc5c6\uc774 \uc751\ud574\uc57c \ud55c\ub2e4\uba74 \u2014 6\uac00\uc9c0 \uc900\ube44\uc0ac\ud56d<\/h2>\n  <p>\ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ub179\ucde8\uac00 \uc815\ub9d0 \ubd88\uac00\ud53c\ud55c \uacbd\uc6b0(\uc608: PIP\u00b7UM \uccad\uad6c\uc758 \uc77c\ud658), \ub2e4\uc74c 6\uac00\uc9c0\ub97c \ubc18\ub4dc\uc2dc \uc900\ube44\ud558\uc138\uc694.<\/p>\n  <ol>\n    <li><strong>\ubcc0\ud638\uc0ac \uc785\ud68c<\/strong> \u2014 \ubcf8\uc778 \ubcc0\ud638\uc0ac\uac00 \ud568\uaed8 \ub179\ucde8\uc5d0 \ucc38\uc5ec<\/li>\n    <li><strong>\ud55c\uad6d\uc5b4 \ud1b5\uc5ed<\/strong> \u2014 \ubcf8\uc778\uc774 \uc601\uc5b4\ub85c \ubbf8\uc138\ud55c \ub258\uc559\uc2a4\ub97c \uc798\ubabb \ud45c\ud604\ud558\uc9c0 \uc54a\ub3c4\ub85d<\/li>\n    <li><strong>\uacbd\ucc30 \ub9ac\ud3ec\ud2b8 + \uc758\ubb34\uae30\ub85d \uc0ac\uc804 \uc815\ub9ac<\/strong> \u2014 \ub2f5\ubcc0 \ub0b4\uc6a9 \uc77c\uad00\uc131 \ud655\ubcf4<\/li>\n    <li><strong>&quot;\uc798 \ubaa8\ub974\uaca0\ub2e4&quot;\ub294 \ub2f5 \ud68c\ud53c<\/strong> \u2014 &quot;\ud655\uc778 \ud6c4 \ub2f5\ubcc0\ub4dc\ub9ac\uaca0\ub2e4&quot;\ub85c \ub300\uccb4<\/li>\n    <li><strong>\ubd80\uc0c1 \uc815\ub3c4\ub294 &quot;\ud604\uc7ac \uc9c4\ub8cc \uc911&quot;\uc73c\ub85c \ub2f5\ubcc0<\/strong> \u2014 \ud655\uc815\uc801 \ud45c\ud604 \ud68c\ud53c<\/li>\n    <li><strong>\ubaa8\ub4e0 \uc9c8\ubb38\uc5d0 \ub2e8\ub2f5<\/strong>\uc73c\ub85c \u2014 \ucd94\uac00 \uc124\uba85 \ud68c\ud53c<\/li>\n  <\/ol>\n  <h2 id=\"sec-6\" class=\"slf-col-h2\">\uc774\ubbf8 \ub179\ucde8\ub97c \ud588\ub2e4\uba74 \u2014 \uc0ac\ud6c4 \ub300\uc751<\/h2>\n  <p>\ubcf8\uc778\uc774 \uc774\ubbf8 \ub179\ucde8\uc5d0 \uc751\ud588\ub2e4\uba74 \uac00\ub2a5\ud55c \ube68\ub9ac \ub2e4\uc74c \uc870\uce58\ub97c \ucde8\ud558\uc138\uc694.<\/p>\n  <ol>\n    <li>\ubcc0\ud638\uc0ac\uc5d0\uac8c \uc989\uc2dc \uc54c\ub9ac\uace0 <strong>\ub179\ucde8 \ub0b4\uc6a9 \uc0ac\ubcf8\uc744 \uc694\uccad<\/strong><\/li>\n    <li>\ub179\ucde8 \ub0b4\uc6a9 \uc911 \ubd80\uc815\ud655\ud55c \ubd80\ubd84 \uc2dd\ubcc4<\/li>\n    <li>\ud544\uc694 \uc2dc <strong>\ubcf4\ucda9 \uc9c4\uc220\uc11c(supplemental statement)<\/strong> \uc791\uc131\ud558\uc5ec \uc815\uc815<\/li>\n    <li>\uc758\ud559\uc801 \uc778\uacfc\uad00\uacc4 \uc785\uc99d\uc744 \uc704\ud55c \uc758\uc0ac \uc18c\uacac\uc11c \ucd94\uac00 \ud655\ubcf4<\/li>\n  <\/ol>\n  <div class=\"slf-callout\">\n    \ub179\ucde8 \uc790\uccb4\ub97c \ubb34\ud6a8\ud654\ud558\uae30\ub294 \uc5b4\ub835\uc9c0\ub9cc, <strong>\uc0ac\ud6c4 \ubcf4\ucda9 \uc9c4\uc220 + \uc758\ud559\uc801 \uc99d\uac70<\/strong>\ub85c \ubcf4\ud5d8\uc0ac\uc758 \uae4e\uae30 \uc2dc\ub3c4\ub97c \uc0c1\ub2f9 \ubd80\ubd84 \ubb34\ub825\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2a6\uc5b4\ub3c4 \ud55c \ub2ec \uc548\uc5d0 \ubcc0\ud638\uc0ac\uc640 \ub300\uc751\ud558\uc138\uc694.\n  <\/div>\n  <h2 id=\"sec-7\" class=\"slf-col-h2\">\uc11c\uba74 \uc9c4\uc220\uc11c(Written Statement)\ub294 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00<\/h2>\n  <p>\uc11c\uba74 \uc9c4\uc220\uc11c\ub294 \ubcf8\uc778\uc774 \uc791\uc131\ud558\uc5ec \ubcf4\ud5d8\uc0ac\uc5d0 \uc81c\ucd9c\ud558\ub294 \ubb38\uc11c\uc785\ub2c8\ub2e4. <strong>\ub179\ucde8\ubcf4\ub2e4 \uc548\uc804\ud55c \ud3b8\uc774\uc9c0\ub9cc \uc5ec\uc804\ud788 \uc704\ud5d8<\/strong>\ud569\ub2c8\ub2e4.<\/p>\n  <ul>\n    <li>\ubcc0\ud638\uc0ac\uac00 \uc791\uc131\u00b7\uac80\ud1a0\ud558\uc5ec \ubcf4\ub0b4\ub294 \uac83\uc774 \uc548\uc804<\/li>\n    <li>\ubcf8\uc778\uc774 \uc9c1\uc811 \uc190\uae00\uc528\/\uc774\uba54\uc77c\ub85c \ubcf4\ub0b4\uc9c0 \ub9d0 \uac83<\/li>\n    <li>\uacbd\ucc30 \ub9ac\ud3ec\ud2b8 + \uc758\ubb34\uae30\ub85d\uc744 \ucca8\ubd80\ud558\ub294 \uac83\uc73c\ub85c \ucda9\ubd84\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc74c<\/li>\n  <\/ul>\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 \ub179\ucde8\ub3c4 \uac70\uc808\ud574\ub3c4 \ub418\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\uac70\uc808 \uc790\uccb4\ub294 \uac00\ub2a5\ud558\uc9c0\ub9cc \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\ub294 &quot;\uacc4\uc57d\uc0c1 \ud611\uc870 \uc758\ubb34&quot;\ub97c \uadfc\uac70\ub85c PIP\u00b7UM \uccad\uad6c\ub97c \uc9c0\uc5f0\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. <strong>\ubcc0\ud638\uc0ac \uc785\ud68c \ud6c4 \uc9c4\ud589<\/strong>\uc774 \uac00\uc7a5 \uc548\uc804\ud569\ub2c8\ub2e4. \uac70\uc808 vs \uc751\ub300\ub294 \ubcc0\ud638\uc0ac\uc640 \uc0c1\uc758\ud574 \uacb0\uc815\ud558\uc138\uc694.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ud55c\uad6d\uc5b4\ub85c \ub179\ucde8 \uc9c4\ud589\ud574 \ub2ec\ub77c\uace0 \uc694\uccad\ud560 \uc218 \uc788\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\ub124. NJ \uc8fc\ubc95\uc0c1 \uc758\ub8b0\uc778\uc774 \ud55c\uad6d\uc5b4\uac00 \ubaa8\uad6d\uc5b4\uc774\uba74 \ud1b5\uc5ed \uc81c\uacf5\uc774 \ud45c\uc900\uc785\ub2c8\ub2e4. \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\ub294 \ud1b5\uc5ed \ube44\uc6a9 \ubd80\ub2f4 \uc758\ubb34\uac00 \uc788\uc73c\uba70, \uc0c1\ub300 \ubcf4\ud5d8\uc0ac\ub3c4 \ud1b5\uc5ed \uc5c6\uc774\ub294 \ub179\ucde8\uac00 \ubb34\ud6a8\ud654 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ub179\ucde8 \ud6c4 \ubcf8\uc778 \ub2f5\ubcc0\uc744 \uc218\uc815\ud560 \uc218 \uc788\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\ub179\ucde8 \uc790\uccb4\ub294 \uc218\uc815 \ubd88\uac00\ud558\uc9c0\ub9cc, <strong>\ubcf4\ucda9 \uc9c4\uc220\uc11c(supplemental statement)<\/strong>\ub85c \uc798\ubabb\ub41c \ubd80\ubd84\uc744 \uc815\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, &quot;\uc65c \ucc98\uc74c\uc5d0\ub294 \ub2e4\ub974\uac8c \ub9d0\ud588\ub098&quot;\ub77c\ub294 \uc2e0\ub8b0\uc131 \uacf5\uaca9 \uc5ec\uc9c0\uac00 \ub0a8\uc73c\ubbc0\ub85c \ucc98\uc74c\ubd80\ud130 \uc2e0\uc911\ud55c \uc751\ub300\uac00 \uc911\uc694\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ub179\ucde8\ub97c \uac70\uc808\ud588\ub2e4\uace0 \ubcf4\ud5d8\uc0ac\uac00 \uccad\uad6c\ub97c \uac70\uc808\ud558\uba74?<\/summary>\n    <div class=\"slf-a\">\ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uac00 \uadf8\ub7f0 \uc774\uc720\ub85c PIP\u00b7UM\uc744 \uac70\uc808\ud558\uba74 <strong>\uc545\uc758\uc801 \uccad\uad6c \uac70\uc808(bad faith)<\/strong>\ub85c \ucd94\uac00 \uccad\uad6c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc0c1\ub300 \ubcf4\ud5d8\uc0ac\ub294 \ub179\ucde8 \uac70\uc808\uc744 \uc774\uc720\ub85c \uccad\uad6c\ub97c \ub9c9\uc744 \uc218 \uc5c6\uc73c\uba70, \ub9c9\uc73c\ub824 \ud55c\ub2e4\uba74 \uc989\uc2dc \ubcc0\ud638\uc0ac \uc9c4\ud589\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ubcc0\ud638\uc0ac \uc5c6\uc774 \ub179\ucde8\uc5d0 \uc751\ud574\ubc84\ub9b0 \ud6c4 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\uac00\ub2a5\ud55c \ube68\ub9ac \ubcc0\ud638\uc0ac\uc5d0\uac8c \uc5f0\ub77d\ud558\uc2dc\uace0, \ub179\ucde8 \uc0ac\ubcf8\uc744 \ubcf4\ud5d8\uc0ac\ub85c\ubd80\ud130 \ubc1b\uc544 \uac80\ud1a0\ubc1b\uc73c\uc138\uc694. <strong>\uc0ac\ud6c4 \ubcf4\ucda9 \uc9c4\uc220 + \uc758\ud559\uc801 \uc99d\uac70 \uac15\ud654<\/strong>\ub85c \uc0c1\ub2f9 \ubd80\ubd84 \ud68c\ubcf5 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc808\ub9dd\uc801\uc778 \uc0c1\ud669\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <div class=\"slf-cta\">\n    <h3>\ub179\ucde8 \uac70\uc808 \u2014 \ubb34\ub8cc \uc0c1\ub2f4\ubc1b\uc73c\uc138\uc694<\/h3>\n    <p>\ub9d0 \ud55c\ub9c8\ub514\ub85c \ud569\uc758\uae08\uc774 \uc808\ubc18\uc774 \ub429\ub2c8\ub2e4. \uc751\ub300 \uc804 \uac80\ud1a0\ubc1b\uc73c\uc138\uc694.<\/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\": \"\ubcf4\ud5d8\uc0ac \"\ub179\ucde8 \ub3d9\uc758\uc11c(Recorded Statement)\"\uc5d0 \uc0ac\uc778\ud558\uba74 \uc548 \ub418\ub294 \uc774\uc720\",\n      \"description\": \"\uc0ac\uace0 \ud6c4 \ubcf4\ud5d8\uc0ac(\ud2b9\ud788 \uc0c1\ub300\ud3b8)\uac00 \uc694\uad6c\ud558\ub294 \ub179\ucde8 \uc9c4\uc220\uc740 \ubc95\uc801 \uc758\ubb34\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ub2f5\ubcc0 \ud55c\ub9c8\ub514\uac00 \ud569\uc758\uae08\uc744 30~70% \uae4e\ub294 \uacb0\uc815\uc801 \uc99d\uac70\uac00 \ub418\uba70, \ud55c \ubc88 \ub179\ucde8\ub41c \ub0b4\uc6a9\uc740 \uc218\uc815\uc774 \uac70\uc758 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \ubcc0\ud638\uc0ac \uc785\ud68c \uc5c6\uc774\ub294 \uc808\ub300 \uc751\ud558\uc9c0 \ub9c8\uc138\uc694. \ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ub179\ucde8\ub3c4 \ubcc0\ud638\uc0ac \uac80\ud1a0 \ud6c4 \uc9c4\ud589\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.\",\n      \"author\": {\n        \"@type\": \"Organization\",\n        \"name\": \"\uc1a1\ub85c\ud38c \uc0ac\uace0\uc0c1\ud574\ud300\",\n        \"url\": \"https:\/\/songlawfirm.com\/ko\/\uc5c5\ubb34\ubd84\uc57c\/\uc0ac\uace0\uc0c1\ud574\/\"\n      },\n      \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"\uc1a1\ub85c\ud38c (Song Law Firm)\",\n        \"logo\": {\n          \"@type\": \"ImageObject\",\n          \"url\": \"https:\/\/songlawfirm.com\/wp-content\/uploads\/logo.png\"\n        }\n      },\n      \"datePublished\": \"2026-06-10\",\n      \"dateModified\": \"2026-06-10\",\n      \"inLanguage\": \"ko\",\n      \"articleSection\": \"\uc0ac\uace0 \uc0c1\ud574\",\n      \"keywords\": \"\ub179\ucde8 \ub3d9\uc758\uc11c, Recorded Statement, \ubcf4\ud5d8\uc0ac \uc9c4\uc220\uc11c, NJ \uc0ac\uace0\uc0c1\ud574, \ud55c\uc778 \ubcc0\ud638\uc0ac\",\n      \"mainEntityOfPage\": {\n        \"@type\": \"WebPage\",\n        \"@id\": \"https:\/\/songlawfirm.com\/ko\/\uce74\ud14c\uace0\ub9ac\/\ubc95\ub960\uce7c\ub7fc\/\uc0ac\uace0-\uc0c1\ud574-columns\/\"\n      }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"\ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ub179\ucde8\ub3c4 \uac70\uc808\ud574\ub3c4 \ub418\ub098\uc694?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"\uac70\uc808 \uc790\uccb4\ub294 \uac00\ub2a5\ud558\uc9c0\ub9cc \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\ub294 \"\uacc4\uc57d\uc0c1 \ud611\uc870 \uc758\ubb34\"\ub97c \uadfc\uac70\ub85c PIP\u00b7UM \uccad\uad6c\ub97c \uc9c0\uc5f0\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcc0\ud638\uc0ac \uc785\ud68c \ud6c4 \uc9c4\ud589\uc774 \uac00\uc7a5 \uc548\uc804\ud569\ub2c8\ub2e4. \uac70\uc808 vs \uc751\ub300\ub294 \ubcc0\ud638\uc0ac\uc640 \uc0c1\uc758\ud574 \uacb0\uc815\ud558\uc138\uc694.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"\ud55c\uad6d\uc5b4\ub85c \ub179\ucde8 \uc9c4\ud589\ud574 \ub2ec\ub77c\uace0 \uc694\uccad\ud560 \uc218 \uc788\ub098\uc694?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"\ub124. NJ \uc8fc\ubc95\uc0c1 \uc758\ub8b0\uc778\uc774 \ud55c\uad6d\uc5b4\uac00 \ubaa8\uad6d\uc5b4\uc774\uba74 \ud1b5\uc5ed \uc81c\uacf5\uc774 \ud45c\uc900\uc785\ub2c8\ub2e4. \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\ub294 \ud1b5\uc5ed \ube44\uc6a9 \ubd80\ub2f4 \uc758\ubb34\uac00 \uc788\uc73c\uba70, \uc0c1\ub300 \ubcf4\ud5d8\uc0ac\ub3c4 \ud1b5\uc5ed \uc5c6\uc774\ub294 \ub179\ucde8\uac00 \ubb34\ud6a8\ud654 \uac00\ub2a5\ud569\ub2c8\ub2e4.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"\ub179\ucde8 \ud6c4 \ubcf8\uc778 \ub2f5\ubcc0\uc744 \uc218\uc815\ud560 \uc218 \uc788\ub098\uc694?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"\ub179\ucde8 \uc790\uccb4\ub294 \uc218\uc815 \ubd88\uac00\ud558\uc9c0\ub9cc, \ubcf4\ucda9 \uc9c4\uc220\uc11c(supplemental statement)\ub85c \uc798\ubabb\ub41c \ubd80\ubd84\uc744 \uc815\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \"\uc65c \ucc98\uc74c\uc5d0\ub294 \ub2e4\ub974\uac8c \ub9d0\ud588\ub098\"\ub77c\ub294 \uc2e0\ub8b0\uc131 \uacf5\uaca9 \uc5ec\uc9c0\uac00 \ub0a8\uc73c\ubbc0\ub85c \ucc98\uc74c\ubd80\ud130 \uc2e0\uc911\ud55c \uc751\ub300\uac00 \uc911\uc694\ud569\ub2c8\ub2e4.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"\ub179\ucde8\ub97c \uac70\uc808\ud588\ub2e4\uace0 \ubcf4\ud5d8\uc0ac\uac00 \uccad\uad6c\ub97c \uac70\uc808\ud558\uba74?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"\ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uac00 \uadf8\ub7f0 \uc774\uc720\ub85c PIP\u00b7UM\uc744 \uac70\uc808\ud558\uba74 \uc545\uc758\uc801 \uccad\uad6c \uac70\uc808(bad faith)\ub85c \ucd94\uac00 \uccad\uad6c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc0c1\ub300 \ubcf4\ud5d8\uc0ac\ub294 \ub179\ucde8 \uac70\uc808\uc744 \uc774\uc720\ub85c \uccad\uad6c\ub97c \ub9c9\uc744 \uc218 \uc5c6\uc73c\uba70, \ub9c9\uc73c\ub824 \ud55c\ub2e4\uba74 \uc989\uc2dc \ubcc0\ud638\uc0ac \uc9c4\ud589\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ub179\ucde8\uc5d0 \uc751\ud574\ubc84\ub9b0 \ud6c4 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"\uac00\ub2a5\ud55c \ube68\ub9ac \ubcc0\ud638\uc0ac\uc5d0\uac8c \uc5f0\ub77d\ud558\uc2dc\uace0, \ub179\ucde8 \uc0ac\ubcf8\uc744 \ubcf4\ud5d8\uc0ac\ub85c\ubd80\ud130 \ubc1b\uc544 \uac80\ud1a0\ubc1b\uc73c\uc138\uc694. \uc0ac\ud6c4 \ubcf4\ucda9 \uc9c4\uc220 + \uc758\ud559\uc801 \uc99d\uac70 \uac15\ud654\ub85c \uc0c1\ub2f9 \ubd80\ubd84 \ud68c\ubcf5 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc808\ub9dd\uc801\uc778 \uc0c1\ud669\uc740 \uc544\ub2d9\ub2c8\ub2e4.\"\n          }\n        }\n      ]\n    }\n  ]\n}\n<\/script>\n\n\n\n\n<!-- \uc1a1\ub85c\ud38c FAQ Schema \u2014 \uce7c\ub7fc #8 -->\n<script 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\ud6c4 \uc9c4\ud589\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\ub179\ucde8 \ub3d9\uc758\uc11c\uac00 \ubb50\uace0 \ubcf4\ud5d8\uc0ac\ub294 \uc65c \uc694\uad6c\ud558\ub098?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\ub179\ucde8 \ub3d9\uc758\uc11c(Recorded Statement)\ub294 \ubcf4\ud5d8\uc0ac \uc870\uc0ac\uad00(claims adjuster)\uc774 \ud53c\ud574\uc790\uc640 \ud1b5\ud654\ud558\uba74\uc11c \uc0ac\uace0 \uacbd\uc704\uc640 \ubd80\uc0c1 \uc0c1\ud0dc\ub97c \ub179\uc74c\ud558\uc5ec \ubcf4\uad00\ud558\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \ud45c\uba74\uc801\uc73c\ub85c\ub294 \"\uac1d\uad00\uc801 \uc0ac\uc2e4 \uc815\ub9ac\"\ub77c\uace0 \ud558\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \ucd94\ud6c4 \ud569\uc758\u00b7\uc18c\uc1a1\uc5d0\uc11c \ubcf8\uc778\uc5d0\uac8c \ubd88\ub9ac\ud558\uac8c \uc4f8 \uc99d\uac70 \ud655\ubcf4\uac00 \ubaa9\uc801\uc785\ub2c8\ub2e4.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\ub179\ucde8\uac00 \ud569\uc758\uae08\uc744 \uae4e\ub294 4\uac00\uc9c0 \uba54\ucee4\ub2c8\uc998\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"1. \ubd80\uc0c1 \ubd80\uc815 \ubc1c\uc5b8 \ucc44\uc99d \u2014 \"\uad1c\ucc2e\ub2e4\", \"\ubcc4\ub85c \uc548 \uc544\ud504\ub2e4\"\uac00 \uc9c4\ub8cc\ube44 \uccad\uad6c \uac70\uc808 \uadfc\uac70 2. \uacfc\uc2e4 \uc778\uc815 \ucc44\uc99d \u2014 \"\ub0b4\uac00 \uc880 \ube68\ub790\ub2e4\", \"\uc8fc\ubcc0\uc744 \uc798 \ubabb \ubd24\ub2e4\"\uac00 \ubcf8\uc778 \uacfc\uc2e4 \ube44\uc728\ub85c \ud658\uc0b0 3. \uae30\uc5b5 \ubd88\uc77c\uce58 \uc785\uc99d \u2014 \uccab \ub179\ucde8\uc640 \ud5a5\ud6c4 \uc99d\uc5b8\uc758 \uc791\uc740 \ucc28\uc774\ub97c \uc2e0\ub8b0\uc131 \uacf5\uaca9\uc5d0 \uc0ac\uc6a9 4. \ud569\uc758 \ud55c\ub3c4 \uc0ac\uc804 \uacb0\uc815 \u2014 \ub179\ucde8 \ub0b4\uc6a9 \uae30\ubc18\uc73c\ub85c \ubcf4\ud5d8\uc0ac \ub0b4\ubd80 \ud55c\ub3c4\ub97c \ubbf8\ub9ac \ucc45\uc815\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\ubcf8\uc778 \ubcf4\ud5d8\uc0ac vs \uc0c1\ub300 \ubcf4\ud5d8\uc0ac \u2014 \uc758\ubb34 \ucc28\uc774\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\uad6c\ubd84 | \ubcf8\uc778 \ubcf4\ud5d8\uc0ac | \uc0c1\ub300 \ubcf4\ud5d8\uc0ac. \ub179\ucde8 \uc751\ud560 \uc758\ubb34 | \uacc4\uc57d\uc0c1 \"\ud611\uc870 \uc758\ubb34\" \uc788\uc74c | \uc644\uc804\ud788 \uc5c6\uc74c. \uac70\uc808 \uc2dc \uacb0\uacfc | PIP\u00b7UM \uccad\uad6c \uc601\ud5a5 \uac00\ub2a5 | \uc804\ud600 \uc5c6\uc74c. \ubcc0\ud638\uc0ac \uc785\ud68c | \uac00\ub2a5 | \uac00\ub2a5 (\uac15\ub825 \uad8c\uc7a5).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\uac70\uc808\ud558\ub294 \uc815\ud655\ud55c \ud45c\ud604 \u2014 \ud55c\uad6d\uc5b4 + \uc601\uc5b4 \uc2a4\ud06c\ub9bd\ud2b8\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\"\ub179\ucde8 \uc9c4\uc220\uc740 \ub3d9\uc758\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc81c \ubcc0\ud638\uc0ac \uc1a1\ub85c\ud38c 201-461-0031\ub85c \uc5f0\ub77d\uc8fc\uc2ed\uc2dc\uc624.\" \"I do not consent to a recorded statement. Please contact my attorney at Song Law Firm, 201-461-0031. I will not answer any further questions at this time.\"\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\uc5b4\uca54 \uc218 \uc5c6\uc774 \uc751\ud574\uc57c \ud55c\ub2e4\uba74 \u2014 6\uac00\uc9c0 \uc900\ube44\uc0ac\ud56d\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ub179\ucde8\uac00 \uc815\ub9d0 \ubd88\uac00\ud53c\ud55c \uacbd\uc6b0(\uc608: PIP\u00b7UM \uccad\uad6c\uc758 \uc77c\ud658), \ub2e4\uc74c 6\uac00\uc9c0\ub97c \ubc18\ub4dc\uc2dc \uc900\ube44\ud558\uc138\uc694. 1. \ubcc0\ud638\uc0ac \uc785\ud68c \u2014 \ubcf8\uc778 \ubcc0\ud638\uc0ac\uac00 \ud568\uaed8 \ub179\ucde8\uc5d0 \ucc38\uc5ec 2. \ud55c\uad6d\uc5b4 \ud1b5\uc5ed \u2014 \ubcf8\uc778\uc774 \uc601\uc5b4\ub85c \ubbf8\uc138\ud55c \ub258\uc559\uc2a4\ub97c \uc798\ubabb \ud45c\ud604\ud558\uc9c0 \uc54a\ub3c4\ub85d 3. \uacbd\ucc30 \ub9ac\ud3ec\ud2b8 + \uc758\ubb34\uae30\ub85d \uc0ac\uc804 \uc815\ub9ac \u2014 \ub2f5\ubcc0 \ub0b4\uc6a9 \uc77c\uad00\uc131 \ud655\ubcf4 4. \"\uc798 \ubaa8\ub974\uaca0\ub2e4\"\ub294 \ub2f5 \ud68c\ud53c \u2014 \"\ud655\uc778 \ud6c4 \ub2f5\ubcc0\ub4dc\ub9ac\uaca0\ub2e4\"\ub85c \ub300\uccb4 5. \ubd80\uc0c1 \uc815\ub3c4\ub294 \"\ud604\uc7ac \uc9c4\ub8cc \uc911\"\uc73c\ub85c \ub2f5\ubcc0 \u2014 \ud655\uc815\uc801 \ud45c\ud604 \ud68c\ud53c 6. \ubaa8\ub4e0 \uc9c8\ubb38\uc5d0 \ub2e8\ub2f5\uc73c\ub85c \u2014 \ucd94\uac00 \uc124\uba85 \ud68c\ud53c\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\uc774\ubbf8 \ub179\ucde8\ub97c \ud588\ub2e4\uba74 \u2014 \uc0ac\ud6c4 \ub300\uc751\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\ubcf8\uc778\uc774 \uc774\ubbf8 \ub179\ucde8\uc5d0 \uc751\ud588\ub2e4\uba74 \uac00\ub2a5\ud55c \ube68\ub9ac \ub2e4\uc74c \uc870\uce58\ub97c \ucde8\ud558\uc138\uc694. 1. \ubcc0\ud638\uc0ac\uc5d0\uac8c \uc989\uc2dc \uc54c\ub9ac\uace0 \ub179\ucde8 \ub0b4\uc6a9 \uc0ac\ubcf8\uc744 \uc694\uccad 2. \ub179\ucde8 \ub0b4\uc6a9 \uc911 \ubd80\uc815\ud655\ud55c \ubd80\ubd84 \uc2dd\ubcc4 3. \ud544\uc694 \uc2dc \ubcf4\ucda9 \uc9c4\uc220\uc11c(supplemental statement) \uc791\uc131\ud558\uc5ec \uc815\uc815 4. \uc758\ud559\uc801 \uc778\uacfc\uad00\uacc4 \uc785\uc99d\uc744 \uc704\ud55c \uc758\uc0ac \uc18c\uacac\uc11c \ucd94\uac00 \ud655\ubcf4\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\uc11c\uba74 \uc9c4\uc220\uc11c(Written Statement)\ub294 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\uc11c\uba74 \uc9c4\uc220\uc11c\ub294 \ubcf8\uc778\uc774 \uc791\uc131\ud558\uc5ec \ubcf4\ud5d8\uc0ac\uc5d0 \uc81c\ucd9c\ud558\ub294 \ubb38\uc11c\uc785\ub2c8\ub2e4. \ub179\ucde8\ubcf4\ub2e4 \uc548\uc804\ud55c \ud3b8\uc774\uc9c0\ub9cc \uc5ec\uc804\ud788 \uc704\ud5d8\ud569\ub2c8\ub2e4. \ubcc0\ud638\uc0ac\uac00 \uc791\uc131\u00b7\uac80\ud1a0\ud558\uc5ec \ubcf4\ub0b4\ub294 \uac83\uc774 \uc548\uc804 \ubcf8\uc778\uc774 \uc9c1\uc811 \uc190\uae00\uc528\/\uc774\uba54\uc77c\ub85c \ubcf4\ub0b4\uc9c0 \ub9d0 \uac83 \uacbd\ucc30 \ub9ac\ud3ec\ud2b8 + \uc758\ubb34\uae30\ub85d\uc744 \ucca8\ubd80\ud558\ub294 \uac83\uc73c\ub85c \ucda9\ubd84\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc74c\"\n      }\n    }\n  ]\n}\n<\/script>\n\n\n","protected":false},"excerpt":{"rendered":"<p>\ubcf4\ud5d8\uc0ac &quot;\ub179\ucde8 \ub3d9\uc758\uc11c(Recorded Statement)&quot;\uc5d0 \uc0ac\uc778\ud558\uba74 \uc548 \ub418\ub294 \uc774\uc720 \ud55c \uc904 \ub2f5\ubcc0 \uc0ac\uace0 \ud6c4 \ubcf4\ud5d8\uc0ac(\ud2b9\ud788 \uc0c1\ub300\ud3b8)\uac00 \uc694\uad6c\ud558\ub294 \ub179\ucde8 \uc9c4\uc220\uc740 \ubc95\uc801 \uc758\ubb34\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ub2f5\ubcc0 \ud55c\ub9c8\ub514\uac00 \ud569\uc758\uae08\uc744 30~70% \uae4e\ub294 \uacb0\uc815\uc801 \uc99d\uac70\uac00 \ub418\uba70, \ud55c [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":25364,"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 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