{"id":26349,"date":"2026-06-27T11:00:00","date_gmt":"2026-06-27T15:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/7%ed%8e%b8-%eb%b3%b4%ed%97%98%ec%82%ac-%ed%98%91%ec%83%81-%ec%a0%84%eb%9e%b5-%eb%b3%80%ed%98%b8%ec%82%ac-%ec%97%86%ec%9d%b4-%ec%a0%88%eb%8c%80-%ed%95%a9%ec%9d%98%ed%95%98%eb%a9%b4-%ec%95%88\/"},"modified":"2026-06-20T01:37:15","modified_gmt":"2026-06-20T05:37:15","slug":"pi-ko-07-insurance-negotiation-7-reasons","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/pi-ko-07-insurance-negotiation-7-reasons\/","title":{"rendered":"7\ud3b8 \u2014 \ubcf4\ud5d8\uc0ac \ud611\uc0c1 \uc804\ub7b5: \ubcc0\ud638\uc0ac \uc5c6\uc774 \uc808\ub300 \ud569\uc758\ud558\uba74 \uc548 \ub418\ub294 7\uac00\uc9c0 \uc774\uc720"},"content":{"rendered":"<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-style:italic;color:#666;font-size:0.95em;\">Personal Injury \u00b7 \ud569\uc758 \uc804\ub7b5 \u00b7 Demand Letter \u00b7 Settlement vs Litigation<\/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\">\ubcf4\ud5d8\uc0ac \ud074\ub808\uc784 \uc870\uc0ac\uad00(claims adjuster)\uc740 \ud68c\uc0ac\ub97c \uc704\ud574 \uc77c\ud558\uc9c0 \ud53c\ud574\uc790\ub97c \uc704\ud574 \uc77c\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uadf8\ub4e4\uc758 \uc784\ubb34\ub294 \ud68c\uc0ac \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uac83\uc774\uba70, \ud53c\ud574\uc790\uc5d0\uac8c \uac00\ub2a5\ud55c \ud55c \uc801\uac8c \uc9c0\uae09\ud558\ub3c4\ub85d \ud6c8\ub828\ubc1b\uc558\uc2b5\ub2c8\ub2e4. \uc774 \uce7c\ub7fc\uc740 \ubcf4\ud5d8\uc0ac \ud611\uc0c1\uc758 \uc9c4\uc2e4, \uadf8\ub9ac\uace0 \ubcc0\ud638\uc0ac \uc5c6\uc774 \ud569\uc758\ud558\uba74 \uc548 \ub418\ub294 7\uac00\uc9c0 \uc774\uc720\ub97c \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">1. \ubcf4\ud5d8\uc0ac \ud611\uc0c1\uc758 \uc9c4\uc2e4<\/h3>\n<ul class=\"wp-block-list\"><li>\ucd08\uae30 \uc81c\uc2dc\ub294 \ud1b5\uc0c1 \uc2e4\uc81c \uc190\ud574\uc758 30~50%<\/li><li>\ud53c\ud574\uc790\uac00 \ubcc0\ud638\uc0ac \uc5c6\uc774 \ud611\uc0c1 \uc2dc \ud3c9\uade0 \ud569\uc758\uae08\uc740 \ubcc0\ud638\uc0ac \ub300\ub9ac \uc2dc\uc758 \uc57d 40~50% \uc218\uc900<\/li><li>\ubcc0\ud638\uc0ac \ub300\ub9ac \uc2dc \ud569\uc758\uae08\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 3.5\ubc30 \ub354 \ub192\uc74c(\ubcf4\ud5d8 \uc5c5\uacc4 \uc790\uccb4 \ud1b5\uacc4)<\/li><li>\ubcf4\ud5d8\uc0ac\ub294 &#8220;\uace0\ub9c8\uc6b4 \ud45c\uc815\uc758 \ube60\ub978 \ud569\uc758&#8221;\ub97c \uac00\uc7a5 \uc120\ud638 \u2014 \ud53c\ud574\uc790\uac00 \uc190\ud574\ub97c \ub2e4 \uc54c\uae30 \uc804 \uacb0\uc81c<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">2. \ubcc0\ud638\uc0ac \uc5c6\uc774 \ud569\uc758\ud558\uba74 \uc548 \ub418\ub294 7\uac00\uc9c0 \uc774\uc720<\/h3>\n<p class=\"wp-block-paragraph\">\uc774\uc720 \u2460 \u2014 \ubd80\uc0c1\uc758 \uc804\uccb4 \ubc94\uc704\ub97c \ubaa8\ub984<\/p>\n<p class=\"wp-block-paragraph\">\uc0ac\uace0 \ud6c4 6\uc8fc \uc774\ub0b4\uc5d0 \ubaa8\ub4e0 \ubd80\uc0c1\uc774 \ub4dc\ub7ec\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ucc44\ucc0d\uc9c8\u00b7\ub514\uc2a4\ud06c\u00b7\ub1cc\uc9c4\ud0d5\u00b7\uc5f0\ubd80\uc870\uc9c1 \uc190\uc0c1\uc740 \uc218\uac1c\uc6d4 \ud6c4 \ubcf8\uaca9\uc801\uc73c\ub85c \ud1b5\uc99d\uc774 \ub098\ud0c0\ub0a9\ub2c8\ub2e4. \ube60\ub978 \ud569\uc758\ub294 \ud5a5\ud6c4 \uc758\ub8cc\ube44\ub97c \ud3ec\uae30\ud558\ub294 \uacb0\uacfc\ub97c \ub0b3\uc2b5\ub2c8\ub2e4.<\/p>\n<p class=\"wp-block-paragraph\">\uc774\uc720 \u2461 \u2014 \uc784\uae08 \uc190\uc2e4\uc758 \uc9c4\uc815\ud55c \uac00\uce58\ub97c \ubaa8\ub984<\/p>\n<p class=\"wp-block-paragraph\">\ud604\uc7ac \uc784\uae08 \uc190\uc2e4\ubfd0 \uc544\ub2c8\ub77c \ud5a5\ud6c4 \ub178\ub3d9\ub825 \uac10\uc18c, \uc2b9\uc9c4 \uae30\ud68c \uc190\uc2e4, \uc9c1\uc5c5 \ubcc0\uacbd \ud544\uc694\uc131 \ub4f1\uc774 \ud3c9\uac00 \ub300\uc0c1. \uc77c\ubc18\uc778\uc740 \uc774\ub97c \uacc4\uc0b0\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/p>\n<p class=\"wp-block-paragraph\">\uc774\uc720 \u2462 \u2014 \ube44\uacbd\uc81c\uc801 \uc190\ud574\uc758 \uc0b0\uc815 \ubc29\ubc95\uc744 \ubaa8\ub984<\/p>\n<p class=\"wp-block-paragraph\">Multiplier method, per diem method \ub4f1 \uc0b0\uc815 \ubc29\ubc95\uc774 \ub2e4\uc591. \ubd80\uc0c1 \uc911\uc99d\ub3c4\u00b7\uc601\uad6c\uc131\u00b7\uc678\ud615 \uc190\uc0c1\u00b7\uc0b6\uc758 \uc9c8 \uc800\ud558 \ub4f1 \ub2e4\uc591\ud55c \uc694\uc18c\ub97c \ud3c9\uac00\ud574\uc57c \ud568.<\/p>\n<p class=\"wp-block-paragraph\">\uc774\uc720 \u2463 \u2014 Lien \ucc98\ub9ac\ub97c \ubaa8\ub984<\/p>\n<p class=\"wp-block-paragraph\">\uc758\ub8cc\ubcf4\ud5d8\u00b7Medicare\u00b7Medicaid\uc758 Lien\uc744 \ud611\uc0c1\uc73c\ub85c \uac10\uc561\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \ubaa8\ub984. \uacb0\uacfc\uc801\uc73c\ub85c \ud569\uc758\uae08 \ub300\ubd80\ubd84\uc774 \uc758\ub8cc\ubcf4\ud5d8\uc0ac\ub85c \ud658\uc218\ub418\uc5b4 \uc2e4\uc81c \uc218\ub839\uc561\uc774 \uc801\uc74c.<\/p>\n<p class=\"wp-block-paragraph\">\uc774\uc720 \u2464 \u2014 Threshold \ucda9\uc871 \uc785\uc99d\uc744 \ubabb \ud568<\/p>\n<p class=\"wp-block-paragraph\">NJ Verbal Threshold \uac00\uc785\uc790\ub294 \uc758\uc0ac \uc9c4\uc220\uc11c\ub97c \ud1b5\ud55c Threshold \ucda9\uc871 \uc785\uc99d\uc774 \ud544\uc694. \uc77c\ubc18\uc778\uc740 \uc774 \uc808\ucc28\ub97c \ubaa8\ub984.<\/p>\n<p class=\"wp-block-paragraph\">\uc774\uc720 \u2465 \u2014 Release(\ud569\uc758\uc11c) \ud568\uc815<\/p>\n<p class=\"wp-block-paragraph\">\ud569\uc758\uc11c\ub294 &#8220;\ubaa8\ub4e0 \uccad\uad6c\ub97c \ud3ec\uae30\ud55c\ub2e4&#8221;\ub294 \uad11\ubc94\uc704\ud55c \uba74\uc81c \uc870\ud56d\uc774 \ud3ec\ud568. \ubcc0\ud638\uc0ac\uac00 \uac80\ud1a0 \uc548 \ud558\uba74 \ud5a5\ud6c4 \ucd94\uac00 \uccad\uad6c\uac00 \ubd88\uac00\ub2a5.<\/p>\n<p class=\"wp-block-paragraph\">\uc774\uc720 \u2466 \u2014 \ubcf4\ud5d8\uc0ac\uc758 \uc9c0\uc5f0 \uc804\uc220\uc5d0 \ub300\uc751 \ubabb \ud568<\/p>\n<p class=\"wp-block-paragraph\">\ubcf4\ud5d8\uc0ac\ub294 \uc758\ub3c4\uc801\uc73c\ub85c \ub2f5\uc2e0\uc744 \uc9c0\uc5f0\ud558\uac70\ub098 \ucd94\uac00 \uc790\ub8cc\ub97c \ubc18\ubcf5 \uc694\uad6c. \uccad\uad6c \uae30\ud55c\uc774 \uc9c0\ub098\ub3c4\ub85d \uc720\ub3c4. \ubcc0\ud638\uc0ac\uac00 \uc788\uc5b4\uc57c \uc77c\uc815 \uad00\ub9ac \uac00\ub2a5.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">3. Demand Letter \uc791\uc131 \uc804\ub7b5<\/h3>\n<p class=\"wp-block-paragraph\">\ubcc0\ud638\uc0ac\uac00 \ubcf4\ub0b4\ub294 Demand Letter\ub294 \ub2e4\uc74c\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n<ul class=\"wp-block-list\"><li>\uc0ac\uace0 \uc0ac\uc2e4\uad00\uacc4 \uc694\uc57d<\/li><li>\uc0c1\ub300\ubc29 \ucc45\uc784 \uc785\uc99d (\uacbd\ucc30 \ubcf4\uace0\uc11c\u00b7\uc99d\uc778 \uc9c4\uc220 \ub4f1)<\/li><li>\uc758\ub8cc \ucc98\uce58 \ub0b4\uc5ed (\uc2dc\uac04 \uc21c\uc11c\ub300\ub85c \uba85\ud655\ud788)<\/li><li>\ud604\uc7ac \ubc0f \ud5a5\ud6c4 \uc758\ub8cc\ube44 \uc608\uc0c1<\/li><li>\uc784\uae08 \uc190\uc2e4 \ubc0f \ub178\ub3d9\ub825 \uac10\uc18c<\/li><li>\ube44\uacbd\uc81c\uc801 \uc190\ud574 \uc0b0\uc815<\/li><li>\ucd1d \uc694\uad6c \uae08\uc561 (\ud611\uc0c1 \uc2dc\uc791\uc810)<\/li><li>\ub2f5\uc2e0 \uae30\ud55c \uc124\uc815<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">4. \ud611\uc0c1 \uacfc\uc815 \u2014 \uc77c\ubc18 \ud750\ub984<\/h3>\n<ul class=\"wp-block-list\"><li>\u2460 Demand Letter \ubc1c\uc1a1 (\ubcc0\ud638\uc0ac \u2192 \ubcf4\ud5d8\uc0ac)<\/li><li>\u2461 \ubcf4\ud5d8\uc0ac \ub2f5\uc2e0 (2~4\uc8fc, \ud1b5\uc0c1 30~50% \uc81c\uc2dc)<\/li><li>\u2462 \ubcc0\ud638\uc0ac \ubc18\ubc15 \u2014 \uc758\ub8cc\ube44\u00b7\uc784\uae08 \uc190\uc2e4 \uba85\uc138 \uc81c\ucd9c, \uc758\ub8cc \uc804\ubb38\uac00 \uc758\uacac \ucd94\uac00<\/li><li>\u2463 \ubcf4\ud5d8\uc0ac 2\ucc28 \uc81c\uc2dc<\/li><li>\u2464 \ubcc0\ud638\uc0ac \ud611\uc0c1 \u2014 \ubcf4\ud1b5 3~5\ub77c\uc6b4\ub4dc<\/li><li>\u2465 \ud569\uc758 \ub610\ub294 \uc18c\uc1a1 \uacb0\uc815<\/li><\/ul>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">5. \uc18c\uc1a1\uc73c\ub85c \uac00\uc57c \ud560 \ub54c<\/h3>\n<ul class=\"wp-block-list\"><li>\ubcf4\ud5d8\uc0ac\uac00 \ucc45\uc784\uc744 \ubd80\uc778<\/li><li>\ud569\uc758 \uae08\uc561\uc774 \uc2e4\uc81c \uc190\ud574\uc758 50% \ubbf8\ub9cc<\/li><li>Punitive Damages \uccad\uad6c \uac00\ub2a5<\/li><li>\ubcf4\ud5d8 \ud55c\ub3c4 \ucd08\uacfc \uc2dc \ud53c\uace0 \uac1c\uc778 \uc7ac\uc0b0 \ud68c\uc218 \ud544\uc694<\/li><\/ul>\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. \ubcc0\ud638\uc0ac \uc218\uc218\ub8cc(33%)\ub97c \ube7c\uace0 \ub098\uba74 \uc9c1\uc811 \ud611\uc0c1\uc774 \ub354 \uc774\ub4dd \uc544\ub2cc\uac00\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">A. \ud1b5\uacc4\uc0c1 \ubcc0\ud638\uc0ac \ub300\ub9ac \uc2dc \ud569\uc758\uae08\uc774 3.5\ubc30 \ub192\uc2b5\ub2c8\ub2e4. 33% \uc81c\uc678\ud574\ub3c4 \uc2e4\uc218\ub839\uc561\uc740 \ubcc0\ud638\uc0ac \ub300\ub9ac\uac00 \ud6e8\uc52c \ud07d\ub2c8\ub2e4.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#98344A;margin-top:20px;font-size:1.05em;\">Q2. \ubcf4\ud5d8\uc0ac\uac00 \ucc98\uc74c \uc81c\uc2dc\ud55c \uae08\uc561\uc744 \uc77c\ub2e8 \ubc1b\uace0 \ubd80\uc871\ubd84\ub9cc \ucd94\uac00\ub85c \uccad\uad6c\ud560 \uc218 \uc788\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">A. \ubd88\uac00\ub2a5. Release\uc5d0 \uc0ac\uc778\ud558\uba74 \ubaa8\ub4e0 \uccad\uad6c\uad8c\uc774 \uc18c\uba78.<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#98344A;margin-top:20px;font-size:1.05em;\">Q3. \uc18c\uc1a1\uc5d0 \uac00\uba74 \uc2dc\uac04\uc774 \uc624\ub798 \uac78\ub9ac\uc9c0 \uc54a\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">A. \uc18c\uc1a1 \ud6c4\uc5d0\ub3c4 \ub300\ubd80\ubd84 \ud569\uc758\ub85c \ud574\uacb0\ub429\ub2c8\ub2e4. \uc18c\uc1a1 \uc81c\uae30 \uc790\uccb4\uac00 \ubcf4\ud5d8\uc0ac\uc5d0 \uc555\ub825\uc73c\ub85c \uc791\uc6a9\ud558\uc5ec \ud569\uc758 \uae08\uc561\uc744 \ub192\uc785\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 \uc0ac\uac74\uc744 \ub2e4\ub144\uac04 \ucc98\ub9ac\ud574 \uc654\uc2b5\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\uc5d0 \ub530\ub77c \uacb0\ub860\uc740 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc778\uc6a9\ub41c \uc0ac\ub840\u00b7\uae08\uc561\uc740 \uc77c\ubc18 \ud1b5\uacc4\uc774\uba70 \ud2b9\uc815 \uacb0\uacfc\ub97c \ubcf4\uc99d\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc870\uce58 \uc804 \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac \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 \ud569\uc758 \uc804\ub7b5 \u00b7 Demand Letter \u00b7 Settlement vs Litigation \uba38\ub9ac\ub9d0 \ubcf4\ud5d8\uc0ac \ud074\ub808\uc784 \uc870\uc0ac\uad00(claims adjuster)\uc740 \ud68c\uc0ac\ub97c \uc704\ud574 \uc77c\ud558\uc9c0 \ud53c\ud574\uc790\ub97c \uc704\ud574 \uc77c\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uadf8\ub4e4\uc758 \uc784\ubb34\ub294 \ud68c\uc0ac \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uac83\uc774\uba70, [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26369,"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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