{"id":26529,"date":"2026-06-29T09:15:00","date_gmt":"2026-06-29T13:15:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26529"},"modified":"2026-06-28T23:05:26","modified_gmt":"2026-06-29T03:05:26","slug":"%ec%9e%90%eb%8f%99%ec%b0%a8-%ec%82%ac%ea%b3%a0-%ed%9b%84-30%ec%9d%bc-%eb%82%b4-%eb%b0%98%eb%93%9c%ec%8b%9c-%ed%95%b4%ec%95%bc-%ed%95%a0-%ec%9d%bc-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ec%9e%90%eb%8f%99%ec%b0%a8-%ec%82%ac%ea%b3%a0-%ed%9b%84-30%ec%9d%bc-%eb%82%b4-%eb%b0%98%eb%93%9c%ec%8b%9c-%ed%95%b4%ec%95%bc-%ed%95%a0-%ec%9d%bc-ko\/","title":{"rendered":"\uc790\ub3d9\ucc28 \uc0ac\uace0 \ud6c4 30\uc77c \ub0b4 \ubc18\ub4dc\uc2dc \ud574\uc57c \ud560 \uc77c"},"content":{"rendered":"<div class=\"slf-article slf-article-ko\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">PERSONAL INJURY \u00b7 \uc1a1\ub85c\ud38c \ubc95\ub960 \uce7c\ub7fc<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uba38\ub9ac\ub9d0 \u2014 \uc0ac\uace0 \uc9c1\ud6c4\uc758 30\uc77c\uc774 \uacb0\uacfc\ub97c \uc88c\uc6b0\ud569\ub2c8\ub2e4<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc790\ub3d9\ucc28 \uc0ac\uace0\ub97c \ub2f9\ud558\uba74 \ub204\uad6c\ub098 \ub2f9\ud669\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc0ac\uace0 \uc9c1\ud6c4\uc758 \uccab 30\uc77c\uc740 \ub2e8\uc21c\ud55c \ud68c\ubcf5 \uae30\uac04\uc774 \uc544\ub2c8\ub77c \ud5a5\ud6c4 \ubcf4\uc0c1\uae08 \uccad\uad6c\u00b7\uc18c\uc1a1\u00b7\ud569\uc758\uc758 \uc804\uccb4 \ubc29\ud5a5\uc744 \uacb0\uc815\ud558\ub294 \ud575\uc2ec \uc2dc\uae30\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ub3c4\ub85c\uad50\ud1b5\uc548\uc804\uad6d(NHTSA) \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \ub9e4\ub144 \ubbf8\uad6d \uc804\uc5ed\uc5d0\uc11c \uc218\ub9ce\uc740 \uad50\ud1b5\uc0ac\uace0\uac00 \ubc1c\uc0dd\ud558\uba70, \uc774 \uac00\uc6b4\ub370 \uc0c1\ub2f9\uc218\uac00 \uc2e0\uccb4 \ubd80\uc0c1\uc744 \ub3d9\ubc18\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0\ub294 No-Fault(PIP) \uc8fc\ub85c\uc11c \uc0ac\uace0 \uc9c1\ud6c4 \uc758\ub8cc\ube44 \ubcf4\uc7a5\uc758 \ucd9c\ubc1c\uc810\ubd80\ud130 \ub2e4\ub978 \uc8fc\uc640 \uc808\ucc28\uac00 \ub2e4\ub985\ub2c8\ub2e4. \ucc98\uc74c \uba70\uce60 \ub3d9\uc548 \uc5b4\ub5a4 \uc870\uce58\ub97c \ucde8\ud558\ub290\ub0d0\uc5d0 \ub530\ub77c PIP \ubcf4\uc7a5 \uc801\uc6a9 \uc5ec\ubd80, \ubcf4\ud5d8\uc0ac \ud611\uc0c1 \uacb0\uacfc, \ud5a5\ud6c4 Third Party Liability \uccad\uad6c\uc758 \uc785\uc99d\ub825\uc774 \ubaa8\ub450 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubcf8 \uce7c\ub7fc\uc740 \uc0ac\uace0 \ubc1c\uc0dd\uc77c\uc744 \uae30\uc900\uc73c\ub85c 30\uc77c \ub3d9\uc548 \ubc18\ub4dc\uc2dc \ucc59\uaca8\uc57c \ud560 \ub2e8\uacc4\ub97c \uc21c\uc11c\ub300\ub85c \uc815\ub9ac\ud569\ub2c8\ub2e4. \ud55c\uad6d\uc5b4\ub85c \uc9c1\uc811 \uc0c1\ub2f4\ubc1b\uc744 \uc218 \uc788\ub294 \ud55c\uc778 \ubcc0\ud638\uc0ac\uac00 \ud568\uaed8\ud55c\ub2e4\uba74 \uc808\ucc28\uac00 \ud55c\uacb0 \uba85\ud655\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ubc95\uc801 \ubc30\uacbd \u2014 \ub274\uc800\uc9c0 PIP\uc640 \uc18c\uba78\uc2dc\ud6a8<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0 \uc790\ub3d9\ucc28\ubcf4\ud5d8\ubc95\uc758 \ud575\uc2ec\uc740 N.J.S.A. 39:6A-4(Personal Injury Protection, PIP)\uc785\ub2c8\ub2e4. PIP\ub294 \uc6b4\uc804\uc790\u00b7\ub3d9\uc2b9\uc790\u00b7\ubcf4\ud589\uc790\uac00 \uc0ac\uace0\ub85c \uc778\ud574 \ubd80\uc0c1\uc744 \uc785\uc5c8\uc744 \ub54c \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uac00 \uc758\ub8cc\ube44\ub97c \uc6b0\uc120 \uc9c0\uae09\ud558\ub3c4\ub85d \uaddc\uc815\ud569\ub2c8\ub2e4. PIP \ud55c\ub3c4\ub294 \uac00\uc785 \uc635\uc158\uc5d0 \ub530\ub77c \uc77c\ubc18\uc801\uc73c\ub85c \uac00\uc7a5 \ub0ae\uc740 \ub2e8\uacc4\ubd80\ud130 \ub9e4\uc6b0 \ub192\uc740 \ub2e8\uacc4\uae4c\uc9c0 \uc120\ud0dd\ud560 \uc218 \uc788\uc73c\uba70, \ud55c\ub3c4\uac00 \ubd80\uc871\ud560 \ub54c\ub294 \ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8\uc774 \ubcf4\ucda9 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud55c\ud3b8 \uc0ac\uace0\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1 \uccad\uad6c\uc758 \uc18c\uba78\uc2dc\ud6a8\ub294 N.J.S.A. 2A:14-2\uc5d0 \ub530\ub77c \uc0ac\uace0 \ubc1c\uc0dd\uc77c\ub85c\ubd80\ud130 2\ub144\uc785\ub2c8\ub2e4. \ubbf8\uc131\ub144\uc790\uc758 \uacbd\uc6b0 N.J.S.A. 2A:14-21\uc5d0 \ub530\ub978 tolling(\uc2dc\ud6a8 \uc815\uc9c0)\uc774 \uc801\uc6a9\ub418\uc5b4 \uc131\uc778 \ub3c4\ub2ec \ud6c4 2\ub144\uae4c\uc9c0 \ubcf4\uc7a5\ub429\ub2c8\ub2e4. \uc815\ubd80 \uae30\uad00 \ud53c\uace0\uac00 \ud3ec\ud568\ub418\ub294 \uc0ac\uac74\uc740 Tort Claims Act\uc5d0 \ub530\ub77c 90\uc77c \uc774\ub0b4 \ubcc4\ub3c4 \ud1b5\uc9c0(Notice of Claim)\uac00 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Verbal Threshold(N.J.S.A. 39:6A-8) \uac00\uc785\uc790\ub294 \uc77c\uc815 \uc218\uc900 \uc774\uc0c1\uc758 \ubd80\uc0c1\uc774 \uc785\uc99d\ub418\uc5b4\uc57c \ube44\uacbd\uc81c\uc801 \uc190\ud574(\ud1b5\uc99d\u00b7\uace0\ud1b5 \ub4f1)\uc5d0 \ub300\ud55c Third Party \uccad\uad6c\uac00 \uac00\ub2a5\ud558\ubbc0\ub85c, \uc758\ub8cc \uae30\ub85d\uc758 \uc77c\uad00\uc131\uacfc \uc815\ud655\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub2e8\uacc4\ubcc4 \uac00\uc774\ub4dc \u2014 \uc0ac\uace0 \uc9c1\ud6c4 30\uc77c<\/p>\n<h3 style=\"color:#333;font-size:17px;margin:20px 0 8px;\">1\uc8fc\ucc28 (1~7\uc77c)<\/h3>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud604\uc7a5\uc5d0\uc11c \uac00\ub2a5\ud558\ub2e4\uba74 \uacbd\ucc30 \uc2e0\uace0\ub97c \uc694\uccad\ud574 \uacf5\uc2dd \uc0ac\uace0 \ubcf4\uace0\uc11c(Police Report)\ub97c \ud655\ubcf4\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0c1\ub300 \ucc28\ub7c9 \uc815\ubcf4(\ubc88\ud638\ud310\u00b7\uc6b4\uc804\uba74\ud5c8\u00b7\ubcf4\ud5d8\uc99d)\uc640 \ubaa9\uaca9\uc790 \uc5f0\ub77d\ucc98\ub97c \uc218\uc9d1\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uac00\ub2a5\ud55c \ud55c \ube60\ub978 \uc2dc\uc810\uc5d0 \uc758\ub8cc \uc9c4\ub2e8\uc744 \ubc1b\uc2b5\ub2c8\ub2e4. &quot;\uad1c\ucc2e\uc740 \uac83 \uac19\ub2e4&quot;\ub294 \uc790\uae30 \ud310\ub2e8\uc744 \uc2e0\ub8b0\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ucc44\ucc0d\uc9c8 \uc190\uc0c1\u00b7\ub1cc\uc9c4\ud0d5 \ub4f1\uc740 \uc0ac\uace0 \uba70\uce60 \ud6c4\uc5d0 \uc99d\uc0c1\uc774 \ub098\ud0c0\ub098\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubcf8\uc778 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc0ac\uc5d0 \uc0ac\uace0 \uc0ac\uc2e4\uacfc PIP \uccad\uad6c \uc758\uc0ac\ub97c \ud1b5\uc9c0\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubcc0\ud638\uc0ac\uc640 \ubb34\ub8cc \uc0c1\ub2f4\uc744 \ud1b5\ud574 PIP \uc0ac\uc6a9\u00b7Third Party \uccad\uad6c \uac00\ub2a5\uc131\uc744 \uc810\uac80\ud569\ub2c8\ub2e4.<\/p>\n<h3 style=\"color:#333;font-size:17px;margin:20px 0 8px;\">2\uc8fc\ucc28 (8~14\uc77c)<\/h3>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">PIP \uccad\uad6c\uc11c(Application for PIP Benefits) \uc791\uc131\uacfc \uc81c\ucd9c. \ubcf4\ud5d8\uc0ac \uce21 \uc591\uc2dd\uc774 \ubcc4\ub3c4\ub85c \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc9c4\ub8cc \uae30\ub85d\uacfc \uc601\uc0c1 \uac80\uc0ac(X-ray\u00b7MRI \ub4f1)\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \ubcf4\uad00\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0c1\ub300 \ubcf4\ud5d8\uc0ac\ub85c\ubd80\ud130 \uc5f0\ub77d\uc774 \uc624\uba74 \ubcc0\ud638\uc0ac\ub97c \ud1b5\ud558\uc9c0 \uc54a\uc740 \ub179\ucde8 \uc9c4\uc220\uc740 \uc790\uc81c\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc9c1\uc7a5 \uacb0\uadfc\uc73c\ub85c \uc778\ud55c \uc784\uae08 \uc190\uc2e4 \uc790\ub8cc\ub97c \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">3~4\uc8fc\ucc28 (15~30\uc77c)<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc9c0\uc18d\uc801\uc778 \uce58\ub8cc\uc640 \ud568\uaed8 \ud5a5\ud6c4 \uce58\ub8cc \uacc4\ud68d\uc744 \uc758\uc0ac\uc5d0\uac8c \uba85\ud655\ud788 \ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud544\uc694\ud558\uba74 \ubb3c\ub9ac\uce58\ub8cc\u00b7\uc7ac\ud65c \uc758\ub8b0\uc11c\ub97c \ubc1b\uc544 \uc815\uc2dd \uce58\ub8cc \uacbd\ub85c\uc5d0 \uc9c4\uc785\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ucc28\ub7c9 \uc218\ub9ac \uacac\uc801\uacfc \uc601\uc5c5 \uc190\uc2e4(\uc790\uc601\uc5c5\uc790) \uc790\ub8cc\ub97c \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Third Party Liability \uccad\uad6c\ub97c \uac80\ud1a0\ud558\uae30 \uc704\ud55c \uc0ac\uace0 \uc7ac\uad6c\uc131\u00b7\uc99d\uc778 \uc9c4\uc220 \uc815\ub9ac.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/p>\n<h3 style=\"color:#98344A;font-size:17px;margin:24px 0 8px;\">Q1. \uacbd\ucc30 \ubcf4\uace0\uc11c\uac00 \uc5c6\uc73c\uba74 \uccad\uad6c\uac00 \ubd88\uac00\ub2a5\ud55c\uac00\uc694?<\/h3>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \ubd88\uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\ub9cc \uacbd\ucc30 \ubcf4\uace0\uc11c\ub294 \uc0ac\uace0 \ubc1c\uc0dd \uc0ac\uc2e4\u00b7\uc2dc\uac04\u00b7\uc7a5\uc18c\u00b7\uad00\ub828 \ucc28\ub7c9\uc744 \uc785\uc99d\ud558\ub294 \uac00\uc7a5 \uac1d\uad00\uc801\uc778 \uc790\ub8cc\uc774\ubbc0\ub85c \uac00\ub2a5\ud55c \ud55c \ud655\ubcf4\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc5c6\ub2e4\uba74 \ubaa9\uaca9\uc790 \uc9c4\uc220\u00b7\ube14\ub799\ubc15\uc2a4\u00b7CCTV \ub4f1\uc73c\ub85c \ubcf4\uac15\ud569\ub2c8\ub2e4.<\/p>\n<h3 style=\"color:#98344A;font-size:17px;margin:24px 0 8px;\">Q2. \uc0ac\uace0 \uc9c1\ud6c4\uc5d0\ub294 \uc544\ud504\uc9c0 \uc54a\ub2e4\uac00 \uba70\uce60 \ud6c4 \ud1b5\uc99d\uc774 \uc2dc\uc791\ub418\uba74 \uc5b4\ub5bb\uac8c \ud558\ub098\uc694?<\/h3>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \uc989\uc2dc \uc758\ub8cc \uae30\uad00\uc744 \ubc29\ubb38\ud574 \uc9c4\ub2e8\uc744 \ubc1b\uace0, \uc0ac\uace0\uc640\uc758 \uc778\uacfc\uad00\uacc4\ub97c \uc758\uc0ac \uae30\ub85d\uc5d0 \uba85\uc2dc\ud574 \ub2ec\ub77c\uace0 \uc694\uccad\ud569\ub2c8\ub2e4. \uc9c0\uc5f0\ub41c \uc758\ub8cc \uc9c4\ub2e8\ub3c4 \uc778\uacfc\uad00\uacc4 \uc785\uc99d\uc774 \uac00\ub2a5\ud558\uc9c0\ub9cc \ube60\ub97c\uc218\ub85d \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<h3 style=\"color:#98344A;font-size:17px;margin:24px 0 8px;\">Q3. \uc0c1\ub300\ubc29 \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \ube60\ub978 \ud569\uc758\ub97c \uc81c\uc548\ud558\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?<\/h3>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \ubcc0\ud638\uc0ac \uc5c6\uc774 \ud569\uc758\uc11c\uc5d0 \uc11c\uba85\ud558\uba74 \ud5a5\ud6c4 \ucd94\uac00 \uc758\ub8cc\ube44\u00b7\ud6c4\uc720\uc99d \uccad\uad6c\uac00 \uc5b4\ub824\uc6cc\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud569\uc758 \uc81c\uc548\uc774 \ub4e4\uc5b4\uc624\uba74 \ubc18\ub4dc\uc2dc \ubcc0\ud638\uc0ac \uc0c1\ub2f4 \ud6c4 \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3 style=\"color:#98344A;font-size:17px;margin:24px 0 8px;\">Q4. PIP\uac00 \ud55c\ub3c4\uac00 \ub05d\ub098\uba74 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/h3>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8(Private Health Insurance, Medicare \ub4f1)\uc774 \ubcf4\ucda9 \uc5ed\ud560\uc744 \ud558\uba70, \uc77c\ubd80 \ube44\uc6a9\uc740 \ud5a5\ud6c4 Third Party \uccad\uad6c\uc5d0\uc11c \ud68c\uc218\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3 style=\"color:#98344A;font-size:17px;margin:24px 0 8px;\">Q5. \ubcf8\uc778 \uacfc\uc2e4\uc774 \uc77c\ubd80 \uc788\uc744 \ub54c\ub3c4 \uccad\uad6c\ud560 \uc218 \uc788\ub098\uc694?<\/h3>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \ub274\uc800\uc9c0\ub294 Modified Comparative Negligence(N.J.S.A. 2A:15-5.1)\ub97c \ub530\ub985\ub2c8\ub2e4. \ubcf8\uc778 \uacfc\uc2e4\uc774 50% \uc774\ud558\ub77c\uba74 \uacfc\uc2e4 \ube44\uc728\ub9cc\ud07c \uac10\uc561\ub41c \ubcf4\uc0c1\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc2e4\ubb34 \uc2dc\uc0ac\uc810<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc608\ub97c \ub4e4\uc5b4, \ud55c \uc9c1\uc7a5\uc778\uc774 \ub274\uc800\uc9c0\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc0ac\uace0\ub97c \ub2f9\ud574 \uc5b4\uae68\uc640 \ubaa9\uc5d0 \ud1b5\uc99d\uc744 \ub290\uaf08\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \ub2f9\uc77c\uc740 \uacac\ub51c \ub9cc\ud588\uc9c0\ub9cc \uc0ac\ud758 \ud6c4 \ud1b5\uc99d\uc774 \uc2ec\ud574\uc838 \uc751\uae09\uc2e4\uc744 \ucc3e\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub54c \uc751\uae09\uc2e4 \uc758\uc0ac\uc5d0\uac8c \uc0ac\uace0 \uc77c\uc790\uc640 \uc0ac\uace0 \uc9c1\ud6c4\ubd80\ud130 \ud1b5\uc99d\uc774 \uc788\uc5c8\uc74c\uc744 \uba85\ud655\ud788 \ub9d0\ud574\uc57c \uc758\ub8cc \uae30\ub85d\uc5d0 \uc0ac\uace0\uc640\uc758 \uc778\uacfc\uad00\uacc4\uac00 \ub0a8\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc774\ud6c4 \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uc5d0 PIP \uccad\uad6c\ub97c \ud1b5\uc9c0\ud558\uace0, \ubcc0\ud638\uc0ac \uc0c1\ub2f4\uc744 \ud1b5\ud574 Third Party Liability \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud569\ub2c8\ub2e4. \ub9cc\uc57d \ubcf4\ud5d8\uc0ac \uce21\uc5d0\uc11c &quot;\uc0ac\uace0 \ud6c4 \uc2dc\uac04\uc774 \uc9c0\ub098\uc11c \uccad\uad6c\ud55c \uac83\uc774\ub77c \uc778\uacfc\uad00\uacc4\uac00 \uc758\uc2ec\ub41c\ub2e4&quot;\uace0 \uc8fc\uc7a5\ud55c\ub2e4\uba74, \uc0ac\ud758 \uc0ac\uc774\uc758 \ud1b5\uc99d \uae30\ub85d\u00b7\uac00\uc871 \uc99d\uc5b8\u00b7\ubb38\uc790\uba54\uc2dc\uc9c0 \ub4f1\uc774 \ubcf4\uc870 \uc99d\uac70\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc774\ub7ec\ud55c \uc808\ucc28\ub294 \ubaa8\ub450 \uc0ac\uace0 \ud6c4 \uccab 30\uc77c \ub0b4\uc5d0 \uc2dc\uc791\ub418\uc5b4\uc57c \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 \ud55c\uad6d\uc5b4\u00b7\uc601\uc5b4\ub85c \uc0ac\uace0 \uc9c1\ud6c4\uc758 \ub2e8\uacc4\ubcc4 \ub300\uc751\uc744 \uc548\ub0b4\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0c1\ub2f4 \ubb38\uc758<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud83d\udcde (201) 461-0031<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2709 office@songlawfirm.com<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud83c\udf10 songlawfirm.com\/consultation\/<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud83d\udccd Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u26a0 \uba74\ucc45\uc870\ud56d (Disclaimer)<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18 \ubc95\ub960 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70, \ud2b9\uc815 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uac1c\ubcc4 \uc0ac\uc548\uc758 \uacb0\uacfc\ub294 \uc0ac\uc2e4\uad00\uacc4\u00b7\uc99d\uac70\u00b7\uad00\ud560 \ubc95\uc6d0\u00b7\uc7ac\ud310\ubd80\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 \uc5b4\ub5a0\ud55c \uacb0\uacfc\ub3c4 \ubcf4\uc7a5\ud558\uac70\ub098 \uc57d\uc18d\ud558\uc9c0 \uc54a\uc73c\uba70, \ubcf8 \uce7c\ub7fc\uc740 \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\ub294 \uad11\uace0\uac00 \uc544\ub2d9\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \uc790\ubb38\uc774 \ud544\uc694\ud558\uc2dc\uba74 \ubc18\ub4dc\uc2dc \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<div class=\"slf-contact-block\" style=\"background:#fafaf7;border-left:4px solid #98344A;padding:24px 26px;margin:36px 0 24px;border-radius:6px;\">\n<p style=\"margin:0 0 8px;font-size:14px;letter-spacing:.2em;color:#98344A;font-weight:700;\">SONG LAW FIRM \u00b7 \uc1a1\ub85c\ud38c<\/p>\n<p style=\"margin:0 0 12px;font-size:18px;color:#1a1a1a;font-weight:700;\">\uc0ac\uac74\uc740 \uc2dc\uc810\uc774 \uacb0\uc815\ud569\ub2c8\ub2e4. \uc9c0\uae08 \uc0c1\ub2f4\ubc1b\uc73c\uc138\uc694.<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\n\ud83d\udcde <strong>201.461.0031<\/strong> &nbsp;\u00b7&nbsp; \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">mail@songlawfirm.com<\/a> &nbsp;\u00b7&nbsp; \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">songlawfirm.com<\/a><br \/>\n\ud83d\udccd 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024\n<\/p>\n<\/div>\n<div class=\"slf-disclaimer\" style=\"margin:32px 0 8px;padding:16px 18px;background:#f5f5f2;border:1px solid #e5e5e2;border-radius:4px;font-size:12.5px;line-height:1.65;color:#555;\">\n<strong style=\"color:#333;\">\uba74\ucc45 \uace0\uc9c0<\/strong> &middot; \ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18\uc801\uc778 \ubc95\ub960 \uc815\ubcf4 \uc81c\uacf5 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70, \ud2b9\uc815 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uac01 \uc0ac\uac74\uc758 \uc0ac\uc2e4\uad00\uacc4\uc5d0 \ub530\ub77c \uacb0\uacfc\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\uba70, \ubcf8 \uc790\ub8cc\uc758 \uac8c\uc7ac\uac00 \ubcc0\ud638\uc0ac\u2013\uc758\ub8b0\uc778 \uad00\uacc4\ub97c \ud615\uc131\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. NJ Rules of Professional Conduct 7.1\uc5d0 \ub530\ub77c \uacfc\uac70\uc758 \uacb0\uacfc\uac00 \ub3d9\uc77c\ud55c \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801 \uc0ac\uac74\uc740 \ubc18\ub4dc\uc2dc \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\uc790\ub3d9\ucc28 \uc0ac\uace0 \ud6c4 30\uc77c \ub0b4 \ubc18\ub4dc\uc2dc \ud574\uc57c \ud560 \uc77c\", \"description\": \"\uba38\ub9ac\ub9d0 \u2014 \uc0ac\uace0 \uc9c1\ud6c4\uc758 30\uc77c\uc774 \uacb0\uacfc\ub97c \uc88c\uc6b0\ud569\ub2c8\ub2e4 \uc790\ub3d9\ucc28 \uc0ac\uace0\ub97c \ub2f9\ud558\uba74 \ub204\uad6c\ub098 \ub2f9\ud669\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc0ac\uace0 \uc9c1\ud6c4\uc758 \uccab 30\uc77c\uc740 \ub2e8\uc21c\ud55c \ud68c\ubcf5 \uae30\uac04\uc774 \uc544\ub2c8\ub77c \ud5a5\ud6c4 \ubcf4\uc0c1\uae08 \uccad\uad6c\u00b7\uc18c\uc1a1\u00b7\ud569\uc758\uc758 \uc804\uccb4 \ubc29\ud5a5\uc744 \uacb0\uc815\ud558\ub294 \ud575\uc2ec \uc2dc\uae30\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ub3c4\ub85c\uad50\ud1b5\uc548\uc804\uad6d(NHTSA) \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \ub9e4\ub144 \ubbf8\uad6d \uc804\uc5ed\uc5d0\uc11c \uc218\ub9ce\uc740 \uad50\ud1b5\uc0ac\uace0\uac00 \ubc1c\uc0dd\ud558\uba70, \uc774 \uac00\uc6b4\ub370 \uc0c1\ub2f9\uc218\uac00 \uc2e0\uccb4 \ubd80\uc0c1\uc744 \ub3d9\ubc18\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\ub294 No-Fault(PIP) \uc8fc\ub85c\uc11c \uc0ac\uace0 \uc9c1\ud6c4 \uc758\ub8cc\ube44 \ubcf4\uc7a5\uc758 \ucd9c\ubc1c\uc810\ubd80\ud130 \ub2e4\ub978 \uc8fc\uc640 \uc808\ucc28\uac00 \ub2e4\ub985\ub2c8\ub2e4. \ucc98\uc74c \uba70\uce60 \ub3d9\uc548 \uc5b4\ub5a4 \uc870\uce58\ub97c \ucde8\ud558\ub290\ub0d0\", \"datePublished\": \"2026-06-29T09:15:00\", \"author\": {\"@type\": \"Organization\", \"name\": \"Song Law Firm\"}, \"publisher\": {\"@type\": \"LegalService\", \"name\": \"Song Law Firm\", \"url\": \"https:\/\/songlawfirm.com\", \"telephone\": \"+1-201-461-0031\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"400 Kelby Street, Suite 1900\", \"addressLocality\": \"Fort Lee\", \"addressRegion\": \"NJ\", \"postalCode\": \"07024\", \"addressCountry\": \"US\"}, \"areaServed\": [\"NJ\", \"NY\"]}, \"inLanguage\": \"ko-KR\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uba38\ub9ac\ub9d0 \u2014 \uc0ac\uace0 \uc9c1\ud6c4\uc758 30\uc77c\uc774 \uacb0\uacfc\ub97c \uc88c\uc6b0\ud569\ub2c8\ub2e4 \uc790\ub3d9\ucc28 \uc0ac\uace0\ub97c \ub2f9\ud558\uba74 \ub204\uad6c\ub098 \ub2f9\ud669\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc0ac\uace0 \uc9c1\ud6c4\uc758 \uccab 30\uc77c\uc740 \ub2e8\uc21c\ud55c \ud68c\ubcf5 \uae30\uac04\uc774 \uc544\ub2c8\ub77c \ud5a5\ud6c4 \ubcf4\uc0c1\uae08 \uccad\uad6c\u00b7\uc18c\uc1a1\u00b7\ud569\uc758\uc758 \uc804\uccb4 \ubc29\ud5a5\uc744 \uacb0\uc815\ud558\ub294 \ud575\uc2ec \uc2dc\uae30\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ub3c4\ub85c\uad50\ud1b5\uc548\uc804\uad6d(NHTSA) \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \ub9e4\ub144 \ubbf8\uad6d \uc804\uc5ed\uc5d0\uc11c <\/p>\n","protected":false},"author":7,"featured_media":26528,"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 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[196,224],"tags":[4474,4471,4473,4472,4300,4475,4080],"class_list":["post-26529","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-columns","category-personal-injury-legal-columns","tag-nj-","tag-pip-","tag-4473","tag-4472","tag-4300","tag-4475","tag-4080"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\uc790\ub3d9\ucc28 \uc0ac\uace0 \ud6c4 30\uc77c \ub0b4 \ubc18\ub4dc\uc2dc \ud574\uc57c \ud560 \uc77c | \uc1a1\ub85c\ud38c<\/title>\n<meta name=\"description\" content=\"\uba38\ub9ac\ub9d0 \u2014 \uc0ac\uace0 \uc9c1\ud6c4\uc758 30\uc77c\uc774 \uacb0\uacfc\ub97c \uc88c\uc6b0\ud569\ub2c8\ub2e4 \uc790\ub3d9\ucc28 \uc0ac\uace0\ub97c \ub2f9\ud558\uba74 \ub204\uad6c\ub098 \ub2f9\ud669\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc0ac\uace0 \uc9c1\ud6c4\uc758 \uccab 30\uc77c\uc740 \ub2e8\uc21c\ud55c \ud68c\ubcf5 \uae30\uac04\uc774 \uc544\ub2c8\ub77c \ud5a5\ud6c4 \ubcf4\uc0c1\uae08 \uccad\uad6c\u00b7\uc18c\uc1a1\u00b7\ud569\uc758\uc758 \uc804\uccb4 \ubc29\ud5a5\uc744 \uacb0\uc815\ud558\ub294 \ud575\uc2ec \uc2dc\uae30\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ub3c4\ub85c\uad50\ud1b5\uc548\uc804\uad6d(NHTSA) \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \ub9e4\ub144 \ubbf8\uad6d\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/songlawfirm.com\/ko\/%ec%9e%90%eb%8f%99%ec%b0%a8-%ec%82%ac%ea%b3%a0-%ed%9b%84-30%ec%9d%bc-%eb%82%b4-%eb%b0%98%eb%93%9c%ec%8b%9c-%ed%95%b4%ec%95%bc-%ed%95%a0-%ec%9d%bc-ko\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" 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