{"id":26347,"date":"2026-06-25T11:00:00","date_gmt":"2026-06-25T15:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/5%ed%8e%b8-%eb%89%b4%ec%a0%80%ec%a7%80-vs-%eb%89%b4%ec%9a%95-%ec%82%ac%ea%b3%a0-%eb%b3%b4%ec%83%81%ec%9d%98-%ea%b2%b0%ec%a0%95%ec%a0%81-%ec%b0%a8%ec%9d%b4\/"},"modified":"2026-06-20T01:37:09","modified_gmt":"2026-06-20T05:37:09","slug":"pi-ko-05-nj-vs-ny-injury-claim-compared","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/pi-ko-05-nj-vs-ny-injury-claim-compared\/","title":{"rendered":"5\ud3b8 \u2014 \ub274\uc800\uc9c0 vs \ub274\uc695 \uc0ac\uace0 \ubcf4\uc0c1\uc758 \uacb0\uc815\uc801 \ucc28\uc774"},"content":{"rendered":"<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-style:italic;color:#666;font-size:0.95em;\">Personal Injury \u00b7 NJ No-Fault vs NY No-Fault \u00b7 Threshold \u00b7 \uccad\uad6c \uae30\ud55c<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\uba38\ub9ac\ub9d0<\/h2>\n<p class=\"wp-block-paragraph\">\ub274\uc800\uc9c0\uc640 \ub274\uc695\uc740 \uac15 \ud558\ub098\ub85c \uc5f0\uacb0\ub418\uc5b4 \uc788\uc9c0\ub9cc \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubc95\uc740 \uacb0\uc815\uc801\uc73c\ub85c \ub2e4\ub985\ub2c8\ub2e4. \ub450 \uc8fc \ubaa8\ub450 No-Fault \uc8fc\uc774\uc9c0\ub9cc \uccad\uad6c \uae30\uc900\u00b7\uc784\uae08 \uc190\uc2e4 \ubcf4\uc0c1\u00b7\ud1b5\uc99d\u00b7\uace0\ud1b5 \uccad\uad6c \uae30\uc900\uc774 \ubaa8\ub450 \ub2e4\ub985\ub2c8\ub2e4. Fort Lee\u00b7Palisades Park\u00b7Cliffside Park \ub4f1 \ud55c\uc778 \uac70\uc8fc\ubbfc\uc740 GWB\u00b7Lincoln Tunnel\uc744 \uc790\uc8fc \uac74\ub108\uae30 \ub54c\ubb38\uc5d0 \uc591 \uc8fc\uc758 \ucc28\uc774\ub97c \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">1. No-Fault \uc2dc\uc2a4\ud15c \ube44\uad50<\/h3>\n<ul class=\"wp-block-list\"><li>NJ \u2014 PIP \ubcf4\uc7a5 $15,000~$250,000 (\uc120\ud0dd \uac00\ub2a5)<\/li><li>NY \u2014 No-Fault \ubcf4\uc7a5 $50,000 (\uace0\uc815)<\/li><li>NJ \u2014 \uc784\uae08 \uc190\uc2e4 \uc8fc\ub2f9 $100, \ucd1d $5,200<\/li><li>NY \u2014 \uc784\uae08 \uc190\uc2e4 \uc6d4 \ucd5c\ub300 $2,000, \ucd1d $50,000<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">2. Threshold \u2014 \ud1b5\uc99d\u00b7\uace0\ud1b5 \uccad\uad6c \uac00\ub2a5 \uae30\uc900<\/h3>\n<p class=\"wp-block-paragraph\">NJ \u2014 Verbal Threshold<\/p>\n<ul class=\"wp-block-list\"><li>6\uac00\uc9c0 Threshold Injury \uc911 \ud558\ub098 \ucda9\uc871 \ud544\uc694<\/li><li>\uc601\uad6c\uc801 \uc190\uc0c1\u00b7\uace8\uc808\u00b7\uc0ac\ub9dd \ub4f1<\/li><\/ul>\n<p class=\"wp-block-paragraph\">NY \u2014 Serious Injury Threshold (NY Insurance Law \u00a75102(d))<\/p>\n<ul class=\"wp-block-list\"><li>9\uac00\uc9c0 Serious Injury \uc911 \ud558\ub098 \ucda9\uc871 \ud544\uc694<\/li><li>NJ\ubcf4\ub2e4 \uc57d\uac04 \ub354 \ub113\uc74c \u2014 90\/180 Rule \ud3ec\ud568 (\uc0ac\uace0 \ud6c4 180\uc77c \uc911 90\uc77c \uc774\uc0c1 \ud1b5\uc0c1 \ud65c\ub3d9 \uc81c\ud55c)<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">3. \uccad\uad6c \uae30\ud55c<\/h3>\n<ul class=\"wp-block-list\"><li>NJ \u2014 2\ub144 (N.J.S.A. 2A:14-2)<\/li><li>NY \u2014 3\ub144 (CPLR 214)<\/li><li>\uc815\ubd80 \uae30\uad00 \uc0c1\ub300 \u2014 \uc591 \uc8fc \ubaa8\ub450 \ub2e8\ucd95 \uae30\ud55c (NJ 90\uc77c \/ NY 90\uc77c Notice of Claim)<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">4. \ube44\uad50\uacfc\uc2e4 \uaddc\uc815<\/h3>\n<ul class=\"wp-block-list\"><li>NJ \u2014 Modified Comparative (51% \uc774\uc0c1 \ubcf8\uc778 \uacfc\uc2e4 \uc2dc \uccad\uad6c \ubd88\uac00)<\/li><li>NY \u2014 Pure Comparative (99%\uae4c\uc9c0 \uccad\uad6c \uac00\ub2a5, \ube44\uc728\ub9cc\ud07c \uac10\uc561)<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">5. \ubcc0\ud638\uc0ac \ubcf4\uc218<\/h3>\n<ul class=\"wp-block-list\"><li>NJ \u2014 \ud1b5\uc0c1 33% \ud569\uc758, 40% \uc18c\uc1a1 (Rules of Court)<\/li><li>NY \u2014 Sliding scale (\ud68c\uc218\uc561\uc5d0 \ub530\ub77c \ucc28\ub4f1, 33%~40%)<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">6. \uc0ac\uace0\uac00 \ub450 \uc8fc \uacbd\uacc4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uacbd\uc6b0<\/h3>\n<p class=\"wp-block-paragraph\">GWB\u00b7Lincoln Tunnel\u00b7Holland Tunnel \ub4f1\uc5d0\uc11c \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud558\uba74 \uc5b4\ub290 \uc8fc\uc758 \ubc95\uc744 \uc801\uc6a9\ud560\uc9c0 \ubd84\uc7c1\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uc77c\ubc18 \uc6d0\uce59:<\/p>\n<ul class=\"wp-block-list\"><li>\uc0ac\uace0 \ubc1c\uc0dd \uc704\uce58\uc758 \uc8fc\ubc95 \uc801\uc6a9 (Lex Loci Delicti)<\/li><li>\ub2e8, \ubcf4\ud5d8 \uacc4\uc57d\uc740 \uac00\uc785 \uc8fc\uc758 \ubc95 \uc801\uc6a9<\/li><li>\ub450 \uc8fc \ubc95\uc774 \ucda9\ub3cc\ud558\ub294 \uacbd\uc6b0 forum non conveniens \uc6d0\uce59\uc73c\ub85c \ubc95\uc6d0 \uacb0\uc815<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">7. \uac00\uc871\uc774 \ud55c\ucabd \uc8fc\uc5d0 \uac70\uc8fc, \uc0ac\uace0\ub294 \ub2e4\ub978 \uc8fc\uc5d0\uc11c<\/h3>\n<p class=\"wp-block-paragraph\">NJ \uac70\uc8fc\uc790\uac00 NY\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud55c \uacbd\uc6b0, NJ PIP\uac00 \uc6b0\uc120 \uc801\uc6a9\ub418\uace0 \ucd94\uac00 \ubcf4\uc0c1\uc740 NY \ubc95\uc73c\ub85c \uc9c4\ud589\ud569\ub2c8\ub2e4. \ubcc0\ud638\uc0ac\uac00 \uc591 \uc8fc \ubc95\ub839\uc744 \ubaa8\ub450 \uac80\ud1a0\ud558\uc5ec \ucd5c\uc801 \uc804\ub7b5\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n<h3 class=\"wp-block-heading\" style=\"color:#98344A;margin-top:20px;font-size:1.05em;\">Q1. NY\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud588\ub294\ub370 NJ \ubcc0\ud638\uc0ac\uc5d0\uac8c \ub9e1\uaca8\ub3c4 \ub418\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">A. NJ \ubcc0\ud638\uc0ac\uac00 NY Bar\uc5d0\ub3c4 \uac00\uc785\ub418\uc5b4 \uc788\uac70\ub098, NY \ubcc0\ud638\uc0ac\uc640 \ud611\uc5c5\ud558\uba74 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 \uc591 \uc8fc Bar \uc790\uaca9\uc744 \uac00\uc9c4 \ubcc0\ud638\uc0ac\uac00 \ub2e4\uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#98344A;margin-top:20px;font-size:1.05em;\">Q2. NY\uac00 \uccad\uad6c \uae30\ud55c\uc774 \uae38\uc5b4\uc11c NJ \uc0ac\uace0\ub3c4 NY \ubc95\uc6d0\uc5d0 \uccad\uad6c\ud560 \uc218 \uc788\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">A. \uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uace0 \ubc1c\uc0dd \uc8fc\uc758 \ubc95\uc774 \uc801\uc6a9\ub418\ubbc0\ub85c \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#98344A;margin-top:20px;font-size:1.05em;\">Q3. NJ\uc5d0\uc11c \uac00\uc785\ud55c \ubcf4\ud5d8\uc73c\ub85c NY \uc0ac\uace0\ub3c4 \ucc98\ub9ac\ub418\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">A. NJ \ubcf4\ud5d8\uc758 PIP\ub294 NY\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc0ac\uace0\uc5d0\ub3c4 \uc801\uc6a9\ub429\ub2c8\ub2e4. \ub2e8 NY No-Fault\uc640 \uc911\ubcf5 \uc2dc \uc5b4\ub290 \ucabd\uc744 \uc0ac\uc6a9\ud560\uc9c0 \uacb0\uc815 \ud544\uc694.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#98344A;margin-top:20px;font-size:1.05em;\">Q4. NY\uc758 &#8220;90\/180 Rule&#8221;\uc774 \ubb34\uc5c7\uc778\uac00\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">A. \uc0ac\uace0 \ud6c4 180\uc77c \uc911 90\uc77c \uc774\uc0c1 \ud1b5\uc0c1 \ud65c\ub3d9(\uc9c1\uc7a5\u00b7\uac00\uc0ac\u00b7\ucde8\ubbf8)\uc5d0 \uc911\ub300\ud55c \uc81c\ud55c\uc744 \ubc1b\uc558\uc73c\uba74 Threshold \ucda9\uc871\uc73c\ub85c \uc778\uc815. NJ\ubcf4\ub2e4 \uccad\uad6c \uac00\ub2a5\uc131\uc774 \ub192\uc74c.<\/p>\n<p class=\"wp-block-paragraph\">\ube44\uad50 \ud45c<\/p>\n<p class=\"wp-block-paragraph\">\uc790\uc138\ud55c \ube44\uad50\ub294 \ubcf8 \uce7c\ub7fc\uc758 \ubcc4\ud45c\ub97c \ucc38\uc870 (\uc6cc\ub4dc \ud30c\uc77c \ubcc4\ub3c4 \ucca8\ubd80 \uc608\uc815). \ub450 \uc8fc \ubaa8\ub450 \ubcf4\uc7a5 \ud56d\ubaa9\u00b7\uccad\uad6c \uae30\ud55c\u00b7Threshold \uae30\uc900\uc774 \ub2e4\ub974\ubbc0\ub85c \uc0ac\uace0 \ubc1c\uc0dd \uc8fc\uc758 \ubc95\uc744 \uc815\ud655\ud788 \ud655\uc778\ud558\uace0 \ubcc0\ud638\uc0ac \uc0c1\ub2f4\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\uc0c1\ub2f4 \ubb38\uc758<\/h2>\n<p class=\"wp-block-paragraph\">\uc1a1\ub85c\ud38c\uc740 \ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc77c\ub300\uc5d0\uc11c \uc0ac\uace0\uc0c1\ud574(Personal Injury) \uc0ac\uac74\uc744 \ub2e4\ub144\uac04 \ucc98\ub9ac\ud574 \uc628 \uc885\ud569 \ub85c\ud38c\uc785\ub2c8\ub2e4.<\/p>\n<ul class=\"wp-block-list\"><li>\uc804\ud654: (201) 461-0031<\/li><li>\uc774\uba54\uc77c: mail@songlawfirm.com<\/li><li>\uc6f9\uc0ac\uc774\ud2b8: songlawfirm.com<\/li><li>\uc8fc\uc18c: Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024<\/li><li>\uc0c1\ub2f4 \uc5b8\uc5b4: \ud55c\uad6d\uc5b4\u00b7\uc601\uc5b4\u00b7\uc911\uad6d\uc5b4 \uc9c1\uc811 \uc0c1\ub2f4<\/li><li>\uc0c1\ub2f4 \ube44\uc6a9: \ucd08\uae30 \ubb34\ub8cc, \uc0ac\uac74 \uc218\uc784 \uc2dc \uc131\uacf5\ubcf4\uc218(Contingency Fee)<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\uba74\ucc45\uc870\ud56d<\/h2>\n<p class=\"wp-block-paragraph\">\ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18\uc801 \ubc95\ub960 \uc815\ubcf4 \uc81c\uacf5 \ubaa9\uc801\uc774\uba70, \uad6c\uccb4\uc801 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uac1c\ubcc4 \uc0ac\uac74\uc758 \uc0ac\uc2e4\uad00\uacc4\u00b7\uac70\uc8fc \uc8fc\u00b7\uc0ac\uace0 \uc2dc\uc810\u00b7\ud53c\ud574\uc790 \uc2e0\ubd84\u00b7\ubc95\ub839 \uac1c\uc815 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uacb0\ub860\uc740 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc778\uc6a9\ub41c \uc0ac\ub840\uc640 \ubcf4\uc0c1 \uae08\uc561\uc740 \uc77c\ubc18 \ud1b5\uacc4\uc5d0 \uae30\ubc18\ud55c \ucd94\uc815\uce58\uc774\uba70 \ud2b9\uc815 \uacb0\uacfc\ub97c \ubcf4\uc99d\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc870\uce58\ub97c \ucde8\ud558\uae30 \uc804 \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac\uc640 1:1 \uc0c1\ub2f4\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uacfc\uc758 \ubcc0\ud638\uc0ac\u00b7\uc758\ub8b0\uc778 \uad00\uacc4\ub294 \uc815\uc2dd \uc704\uc784 \uacc4\uc57d \uccb4\uacb0 \uc2dc\uc5d0\ub9cc \uc131\ub9bd\ud569\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>Personal Injury \u00b7 NJ No-Fault vs NY No-Fault \u00b7 Threshold \u00b7 \uccad\uad6c \uae30\ud55c \uba38\ub9ac\ub9d0 \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc740 \uac15 \ud558\ub098\ub85c \uc5f0\uacb0\ub418\uc5b4 \uc788\uc9c0\ub9cc \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubc95\uc740 \uacb0\uc815\uc801\uc73c\ub85c \ub2e4\ub985\ub2c8\ub2e4. \ub450 \uc8fc \ubaa8\ub450 No-Fault \uc8fc\uc774\uc9c0\ub9cc [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26367,"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 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