{"id":26044,"date":"2026-06-10T17:19:17","date_gmt":"2026-06-10T21:19:17","guid":{"rendered":"https:\/\/songlawfirm.com\/60k-gwb-rear-end-pre-existing-ko\/"},"modified":"2026-06-10T17:20:37","modified_gmt":"2026-06-10T21:20:37","slug":"60k-gwb-rear-end-pre-existing-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/60k-gwb-rear-end-pre-existing-ko\/","title":{"rendered":"$60,000 \u2014 GWB \uc9c4\uc785 \uc815\uccb4 \ud6c4\ubc29\ucd94\ub3cc, \uacbd\ucc30\ub9ac\ud3ec\ud2b8\ub3c4 \uc5c6\uace0 \uae30\uc655\uc99d\uae4c\uc9c0 \uc788\uc5c8\uc9c0\ub9cc \ub05d\uae4c\uc9c0 \uc785\uc99d\ud574\ub0b8 \uc0ac\ub840"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\ub274\uc800\uc9c0 \uc870\uc9c0 \uc6cc\uc2f1\ud134 \ube0c\ub9ac\uc9c0(GWB) \uc9c4\uc785 \uc815\uccb4 \uad6c\uac04\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ud6c4\ubc29 \ucd94\ub3cc \uc0ac\uace0. \uacbd\ucc30 \ub9ac\ud3ec\ud2b8\ub3c4, \uc678\uad00\uc0c1 \ud070 \ucc28\ub7c9 \uc190\uc0c1\ub3c4, \ubb34\uc0ac\uace0 \uc758\ub8cc \uc774\ub825\ub3c4 \uc5c6\uc5c8\uc9c0\ub9cc, \uc1a1\ub85c\ud38c\uc740 \uac1d\uad00\uc801 \uc758\ub8cc \uc790\ub8cc\uc640 \ub048\uc9c8\uae34 \ud611\uc0c1\uc744 \ud1b5\ud574 \uc0c1\ub300 \ubcf4\ud5d8\uc0ac\uc640 UIM \ubcf4\ud5d8\uc0ac\ub85c\ubd80\ud130 \ucd1d $60,000\uc758 \ubcf4\uc0c1\uc744 \ubc1b\uc544\ub0c8\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc0ac\uac74 \uac1c\uc694<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uace0\uac1d\ub2d8\uc740 \ub274\uc800\uc9c0\uc5d0\uc11c \ub9e8\ud574\ud2bc\uc73c\ub85c \ud5a5\ud558\ub294 <strong>\uc870\uc9c0 \uc6cc\uc2f1\ud134 \ube0c\ub9ac\uc9c0(GWB)<\/strong> \uc9c4\uc785 \uad6c\uac04\uc758 \uadf9\uc2ec\ud55c \uc815\uccb4 \uc0c1\ud669\uc5d0\uc11c \ud6c4\ubc29 \ucd94\ub3cc \uc0ac\uace0\ub97c \ub2f9\ud558\uc168\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \uc9c1\ud6c4 \ub2e4\ub9ac \uc704 \uad50\ud1b5 \uc0c1\ud669\uc774 \ub9e4\uc6b0 \ud63c\uc7a1\ud558\uc5ec \uacbd\ucc30\uc740 \ud604\uc7a5\uc5d0 \ucd9c\ub3d9\ud558\uc9c0 \ubabb\ud558\uc600\uace0, \uace0\uac1d\ub2d8\uc740 \ucc28\ub7c9 \uc0ac\uc9c4\uacfc \uc0c1\ub300\ubc29 \uc6b4\uc804\uba74\ud5c8\u00b7\ubcf4\ud5d8 \uc815\ubcf4\ub9cc \ud655\ubcf4\ud55c \ub4a4 \ud604\uc7a5\uc744 \ubc97\uc5b4\ub098\uc154\uc57c \ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac89\uc73c\ub85c\ub294 \ucc28\ub7c9 \uc190\uc0c1\uc774 \ud06c\uc9c0 \uc54a\uc740 \uacbd\ubbf8\ud55c \uc0ac\uace0\uc600\uace0 <strong>\uacbd\ucc30 \ub9ac\ud3ec\ud2b8(Police Report) \uc870\ucc28 \uc874\uc7ac\ud558\uc9c0 \uc54a\uc740<\/strong> \uc0ac\uac74\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \ub354\uc6b1\uc774 \uace0\uac1d\ub2d8\uaed8\ub294 \uc774\uc804\uc5d0\ub3c4 \ubaa9\u00b7\ud5c8\ub9ac \uc0ac\uace0 \uc774\ub825\uc774 \uc788\uc5b4, \ubcf4\ud5d8\ud68c\uc0ac\uac00 <em>&#8220;\uae30\uc874 \uc9c8\ud658(Pre-existing Condition)&#8221;<\/em> \ub610\ub294 <em>&#8220;\uae30\uc655\uc99d&#8221;<\/em>\uc744 \uc774\uc720\ub85c \ubcf4\uc0c1\uc744 \ub300\ud3ed \ucd95\uc18c\ud560 \uac00\ub2a5\uc131\uc774 \ub9e4\uc6b0 \ub192\uc740 \uc27d\uc9c0 \uc54a\uc740 \ucf00\uc774\uc2a4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub7ec\ub098 \uc0ac\uace0 \uc774\ud6c4 \uace0\uac1d\ub2d8\uc740 \uc9c0\uc18d\uc801\uc778 \ubaa9\u00b7\ud5c8\ub9ac \ud1b5\uc99d\uacfc \ubc29\uc0ac\ud1b5(Radiating Pain)\uc744 \ud638\uc18c\ud558\uc168\uace0, <strong>MRI \uac80\uc0ac \uacb0\uacfc \ub2e4\uc218\uc758 \ub514\uc2a4\ud06c \uc190\uc0c1 \ubc0f \uc2e0\uacbd \uc555\ubc15 \uc18c\uacac<\/strong>\uc774 \ud655\uc778\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ubcf4\uc874\uc801 \uce58\ub8cc\uc5d0\ub3c4 \uc99d\uc0c1\uc774 \uc9c0\uc18d\ub418\uc5b4 \uacb0\uad6d \uacbd\ucd94\u00b7\uc694\ucd94 \ubd80\uc704\uc5d0 <strong>\ucc99\ucd94 \uacbd\ub9c9\uc678 \uc2a4\ud14c\ub85c\uc774\ub4dc \uc8fc\uc0ac(Epidural Steroid Injection, ESI)<\/strong> \uce58\ub8cc\uae4c\uc9c0 \uc9c4\ud589\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc774\ubc88 \uc0ac\uac74\uc758 3\uac00\uc9c0 \ud575\uc2ec \ub3c4\uc804 \uacfc\uc81c<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\uacbd\ucc30 \ub9ac\ud3ec\ud2b8 \ubd80\uc7ac<\/strong> \u2014 \uc0ac\uace0 \uacbd\uc704\u00b7\uacfc\uc2e4 \ube44\uc728 \uc785\uc99d\uc744 \uc704\ud55c \uac00\uc7a5 \uae30\ubcf8\uc801\uc778 \uacf5\uc2dd \ubb38\uc11c\uac00 \uc5c6\ub294 \uc0c1\ud669<\/li>\n<li><strong>\uc678\uad00\uc0c1 \uacbd\ubbf8\ud55c \ucc28\ub7c9 \uc190\uc0c1<\/strong> \u2014 \ubcf4\ud5d8\uc0ac\uac00 \uc989\uc2dc &#8220;Minor Impact, Soft Tissue(MIST)&#8221; \ud504\ub808\uc784\uc73c\ub85c \ubcf4\uc0c1\uc744 \ucd95\uc18c \uc2dc\ub3c4<\/li>\n<li><strong>\uace0\uac1d\uc758 \uae30\uc655\uc99d<\/strong> \u2014 \uc774\uc804 \ubaa9\u00b7\ud5c8\ub9ac \uc0ac\uace0 \uc774\ub825\uc73c\ub85c \uc778\ud55c &#8220;Pre-existing Condition&#8221; \uc8fc\uc7a5\uc5d0 \ub300\uc751 \ud544\uc694<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\uc1a1\ub85c\ud38c\uc758 \uc785\uc99d \uc804\ub7b5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc1a1\ub85c\ud38c\uc740 \ub2e8\uc21c\ud788 &#8220;\uacbd\ubbf8\ud55c \uc811\ucd09\uc0ac\uace0&#8221;\ub77c\ub294 \ubcf4\ud5d8\uc0ac\uc758 \ud504\ub808\uc784\uc5d0 \ub300\uc751\ud558\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \uc9c1\ud6c4 \ud655\ubcf4\ud55c <strong>\ud604\uc7a5 \uc0ac\uc9c4, \uc0c1\ub300 \uc6b4\uc804\uc790 \uc815\ubcf4, \uc815\uccb4 \uad6c\uac04 \uc704\uce58 \uc815\ubcf4<\/strong>\ub97c \uc2dc\uac04 \uc21c\uc73c\ub85c \uc815\ub9ac\ud574 \uc0ac\uace0 \uacbd\uc704\ub97c \uac1d\uad00\ud654\ud558\uace0, <strong>MRI \uc601\uc0c1, \ud1b5\uc99d \uad00\ub9ac(Pain Management) \uae30\ub85d, \ucc99\ucd94 \uc8fc\uc0ac(ESI) \uce58\ub8cc \uae30\ub85d<\/strong>\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc815\ub9ac\ud574 \uc774\ubc88 \uc0ac\uace0\ub85c \uc778\ud574 <strong>\uae30\uc874 \uc99d\uc0c1\uc774 \uba85\ubc31\ud788 \uc545\ud654(Aggravation of Pre-existing Condition)<\/strong>\ub418\uc5c8\ub2e4\ub294 \uc810\uc744 \ub048\uc9c8\uae30\uac8c \uc785\uc99d\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b9\ud788 \ub274\uc800\uc9c0 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\ubc95(<strong>N.J.S.A. 39:6A-8<\/strong>) \ud558\uc758 Verbal Threshold(\uc5b8\uc5b4\uc801 \ud55c\ub3c4\uc81c)\ub294 &#8220;permanent injury&#8221; \ub4f1 6\uac00\uc9c0 \uc694\uac74 \uc911 \ud558\ub098\ub97c \ucda9\uc871\ud574\uc57c \ube44\uacbd\uc81c\uc801 \uc190\ud574\ub97c \uccad\uad6c\ud560 \uc218 \uc788\ub294\ub370, \uc1a1\ub85c\ud38c\uc740 \ub2e4\uc218\uc758 \ub514\uc2a4\ud06c \uc190\uc0c1\u00b7ESI \uce58\ub8cc \uae30\ub85d\uc744 \ud1b5\ud574 \uc601\uad6c\uc801 \uc190\uc0c1 \uc694\uac74\uc744 \uba85\ud655\ud788 \uc785\uc99d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uacb0\uacfc \u2014 \ucd1d $60,000 \ud569\uc758<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table>\n<thead>\n<tr><th>\ucd9c\ucc98<\/th><th>\uae08\uc561<\/th><th>\ube44\uace0<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>\uc0c1\ub300\ubc29 \ubcf4\ud5d8\uc0ac (BI)<\/td><td><strong>$25,000<\/strong><\/td><td>\uc815\ucc45 \ud55c\ub3c4 \uc804\uc561 \uc9c0\uae09<\/td><\/tr>\n<tr><td>UIM \ubcf4\ud5d8\uc0ac (State Farm)<\/td><td><strong>$35,000<\/strong><\/td><td>\ucd94\uac00 \ubcf4\uc0c1<\/td><\/tr>\n<tr><td><strong>\ucd1d \ud569\uacc4<\/strong><\/td><td><strong>$60,000<\/strong><\/td><td>\uacbd\ucc30 \ub9ac\ud3ec\ud2b8 \uc5c6\uc774\ub3c4 \ub2ec\uc131<\/td><\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\uacbd\ucc30 \ub9ac\ud3ec\ud2b8\uac00 \uc5c6\ub294 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \ud604\uc7a5 \uc0ac\uc9c4, \uc0ac\uace0 \uacbd\uc704, \uce58\ub8cc \uacbd\uacfc\ub97c \ub17c\ub9ac\uc801\uc73c\ub85c \uc815\ub9ac\ud558\uc5ec \uc0c1\ub300 \ubcf4\ud5d8\uc0ac \ubc0f <strong>UIM(Underinsured Motorist) \ubcf4\ud5d8\uc0ac\uc778 State Farm<\/strong>\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc124\ub4dd\ud55c \uacb0\uacfc\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">UIM(Underinsured Motorist)\uc774\ub780?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">UIM \ubcf4\ud5d8\uc740 \uc0c1\ub300\ubc29\uc758 \ucc45\uc784\ubcf4\ud5d8 \ud55c\ub3c4($25,000 \ub4f1)\uac00 \ud53c\ud574\uc790\uc758 \uc2e4\uc81c \uc190\ud574\ubcf4\ub2e4 \uc791\uc744 \ub54c, \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uac00 \uadf8 \ucc28\uc561\uc744 \ubcf4\uc0c1\ud558\ub294 \ubcf4\ud5d8\uc785\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 \uc0c1\ub300 BI \uc815\ucc45 \ud55c\ub3c4 \uc9c0\uae09 \ud6c4 \ubcf8\uc778 \ubcf4\ud5d8\uc778 State Farm\uc744 \uc0c1\ub300\ub85c UIM \uccad\uad6c\ub97c \ubcc4\ub3c4 \uc9c4\ud589\ud558\uc5ec \ucd94\uac00 $35,000\uc744 \ud655\ubcf4\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uace0\uac1d\ub2d8\uc758 \uac10\uc0ac \uc778\uc0ac<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>&#8220;\uacbd\ucc30 \ub9ac\ud3ec\ud2b8\ub3c4 \uc5c6\uace0 \uc608\uc804 \uc0ac\uace0 \uc774\ub825\uae4c\uc9c0 \uc788\uc5b4\uc11c \uac71\uc815\uc774 \ub9ce\uc558\ub294\ub370, \ub05d\uae4c\uc9c0 \ud3ec\uae30\ud558\uc9c0 \uc54a\uace0 \ubcf4\ud5d8\ud68c\uc0ac\uc640 \uc2f8\uc6cc\uc8fc\uc154\uc11c \uc88b\uc740 \uacb0\uacfc\ub97c \ubc1b\uc744 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc815\ub9d0 \uac10\uc0ac\ub4dc\ub9bd\ub2c8\ub2e4.&#8221;<\/em><\/p>\n<cite>\u2014 \uc1a1\ub85c\ud38c \uc758\ub8b0\uc778<\/cite>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">\uc1a1\ub85c\ud38c\uc774 \ud2b9\ubcc4\ud55c \uc774\uc720 5\uac00\uc9c0<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uacbd\ubbf8\ud55c \uc0ac\uace0\uc5d0\uc11c\ub3c4 \ub193\uce58\uc9c0 \uc54a\ub294 \uc138\ubc00\ud55c \uc0ac\uac74 \ubd84\uc11d<\/strong> \u2014 MIST \ud504\ub808\uc784\uc5d0 \ube60\uc9c0\uc9c0 \uc54a\uace0 \ubaa8\ub4e0 \uc758\ub8cc \uc99d\uac70\ub97c \uac1d\uad00\ud654<\/li>\n<li><strong>\uae30\uc655\uc99d(Pre-existing Condition) \uc0ac\uac74\uc5d0 \ub300\ud55c \uc804\ub7b5\uc801 \ub300\uc751<\/strong> \u2014 Aggravation Theory\ub85c \uc815\uba74 \ub3cc\ud30c<\/li>\n<li><strong>MRI \ubc0f \ucc99\ucd94 \uc8fc\uc0ac(ESI) \uce58\ub8cc \uc911\uc2ec\uc758 \uac1d\uad00\uc801 \uc785\uc99d<\/strong> \u2014 \uc601\uc0c1\u00b7\uae30\ub85d \uae30\ubc18 \uc601\uad6c \uc190\uc0c1 \uc694\uac74 \ucda9\uc871<\/li>\n<li><strong>\ubcf4\ud5d8\uc0ac\uc758 \uc800\ud3c9\uac00 \uc804\ub7b5\uc744 \ub3cc\ud30c\ud558\ub294 \ub048\uc9c8\uae34 \ud611\uc0c1\ub825<\/strong> \u2014 Verbal Threshold \ucda9\uc871 \uc785\uc99d\uc73c\ub85c \ube44\uacbd\uc81c\uc801 \uc190\ud574 \uccad\uad6c<\/li>\n<li><strong>UIM \uccad\uad6c\uae4c\uc9c0 \uccb4\uacc4\uc801 \uc9c4\ud589<\/strong> \u2014 \ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ubcc4\ub3c4 \uccad\uad6c\ub85c \ucd94\uac00 \ubcf4\uc0c1 \ud655\ubcf4<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\uc1a1\ub85c\ud38c\uc758 \uc57d\uc18d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc1a1\ub85c\ud38c\uc740 \uc0ac\uace0 \uaddc\ubaa8\uac00 \uc791\uc544 \ubcf4\uc778\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \uace0\uac1d\ub2d8\uc758 \uace0\ud1b5\uc774 \uac00\ubccd\uac8c \ucde8\uae09\ub418\uc9c0 \uc54a\ub3c4\ub85d \ub05d\uae4c\uc9c0 \uc2f8\uc6c1\ub2c8\ub2e4. \ubcf4\ud5d8\ud68c\uc0ac\uac00 \uae30\uc655\uc99d\uc774\ub098 \uacbd\ubbf8\ud55c \ucc28\ub7c9 \uc190\uc0c1\uc744 \uc774\uc720\ub85c \ucc45\uc784\uc744 \ucd95\uc18c\ud558\ub824 \ud560 \ub54c\uc5d0\ub3c4, \uac1d\uad00\uc801 \uc758\ub8cc \uae30\ub85d\uacfc \uc804\ub7b5\uc801\uc778 \ud611\uc0c1\uc744 \ud1b5\ud574 \uace0\uac1d\ub2d8\uc758 \uc815\ub2f9\ud55c \uad8c\ub9ac\ub97c \uc9c0\ucf1c\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. <strong>\ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc804\uc5ed\uc758 \ud55c\uc778 \uc758\ub8b0\uc778<\/strong>\uaed8 \ud55c\uad6d\uc5b4 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ubaa8\ub4e0 \uc808\ucc28\ub97c \uc548\ub0b4\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ubb34\ub8cc \uc0c1\ub2f4 \uc548\ub0b4<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcde <strong>(201) 461-0031<\/strong> (\uc6d4~\uae08 09:00~18:00)<\/li>\n<li>\u2709\ufe0f <strong>mail@songlawfirm.com<\/strong><\/li>\n<li>\ud83d\udcac \uce74\uce74\uc624\ud1a1 <strong>Song Law Firm<\/strong><\/li>\n<li>\ud83c\udf10 <strong>www.songlawfirm.com<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ubcf8 \uc0ac\ub840\uc5d0 \uc0ac\uc6a9\ub41c \ud569\uc758\uae08\uc740 \ud2b9\uc815 \uc0ac\uac74\uc758 \uc0ac\uc2e4\uad00\uacc4\uc5d0 \ub530\ub978 \uacb0\uacfc\uc774\uba70, \ubaa8\ub4e0 \uc0ac\uac74\uc5d0\uc11c \ub3d9\uc77c\ud55c \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801 \ubc95\ub960 \uc0c1\ub2f4\uc740 \uc790\uaca9 \uc788\ub294 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc9c4\ud589\ud558\uc2dc\uae30 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