{"id":26530,"date":"2026-06-29T09:30:00","date_gmt":"2026-06-29T13:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26530"},"modified":"2026-06-28T23:04:15","modified_gmt":"2026-06-29T03:04:15","slug":"%ec%9e%90%eb%8f%99%ec%b0%a8-%ec%82%ac%ea%b3%a0-pip-%ed%95%9c%eb%8f%84-%eb%b6%80%ec%a1%b1%ea%b3%bc-third-party-settlement-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-pip-%ed%95%9c%eb%8f%84-%eb%b6%80%ec%a1%b1%ea%b3%bc-third-party-settlement-ko\/","title":{"rendered":"\uc790\ub3d9\ucc28 \uc0ac\uace0 \u2014 PIP \ud55c\ub3c4 \ubd80\uc871\uacfc Third Party Settlement"},"content":{"rendered":"<div class=\"slf-article slf-case-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 \uc131\uacf5\uc0ac\ub840<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc758\ub8b0\uc778 \ud504\ub85c\ud30c\uc77c<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">40\ub300 \ud55c\uc778 \uc9c1\uc7a5\uc778 A\uc528\ub294 \ub274\uc800\uc9c0\uc5d0 \uac70\uc8fc\ud558\uba70 \uac00\uc871 \ubd80\uc591\uc744 \ucc45\uc784\uc9c0\ub294 \uac00\uc7a5\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc5b4\uc640 \uc601\uc5b4\ub97c \ubaa8\ub450 \uad6c\uc0ac\ud558\uba70, \ud3c9\uc18c \ud1b5\uadfc \uac70\ub9ac\uac00 \uae38\uc5b4 \uc790\uac00\uc6a9 \uc6b4\uc804\uc744 \uc77c\uc0c1\uc73c\ub85c \ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uac00\uc871 \uad6c\uc131: \ubc30\uc6b0\uc790 1\uba85, \ubbf8\uc131\ub144 \uc790\ub140 2\uba85. \ubcf8\uc778\uc758 \uc758\ub8cc\ubcf4\ud5d8\uacfc \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uc0c1\ud0dc\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0ac\uac74 \uacbd\uc704<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0 \uc8fc\uc694 \uace0\uc18d\ub3c4\ub85c\uc5d0\uc11c \ucd9c\uadfc \uc911 \ud6c4\ubc29 \ucd94\ub3cc\uc744 \ub2f9\ud588\uc2b5\ub2c8\ub2e4. \ucda9\ub3cc \uc9c1\ud6c4 \uac15\ud55c \ud1b5\uc99d\uc744 \ub290\uaf08\uc73c\ub098 \uc678\ud615\uc0c1 \ud070 \uc190\uc0c1\uc774 \uc5c6\uc5b4 \ubcf4\uc5ec \uacbd\ucc30 \uc2e0\uace0\ub9cc \ud55c \ub4a4 \uc790\ub825\uc73c\ub85c \uc9c1\uc7a5\uc5d0 \ucd9c\uadfc\ud588\uc2b5\ub2c8\ub2e4. \uc0ac\ud758 \ub4a4\ubd80\ud130 \ubaa9\uacfc \ud5c8\ub9ac \ud1b5\uc99d\uc774 \uc2ec\ud574\uc838 \uc751\uae09\uc2e4\uc744 \ubc29\ubb38\ud558\uc600\uace0, MRI \uacb0\uacfc \ub514\uc2a4\ud06c \uc190\uc0c1\uacfc \ucc44\ucc0d\uc9c8 \uc190\uc0c1(whiplash) \uc9c4\ub2e8\uc744 \ubc1b\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubcf8\uc778 PIP(Personal Injury Protection)\ub85c \ucd08\uae30 \uce58\ub8cc\ube44\uac00 \uc77c\ubd80 \ucc98\ub9ac\ub418\uc5c8\uc73c\ub098, \uc9c0\uc18d\uc801\uc778 \ubb3c\ub9ac\uce58\ub8cc\uc640 \ud1b5\uc99d \uad00\ub9ac\uac00 \ud544\uc694\ud558\uc5ec PIP \ud55c\ub3c4\uac00 \ube60\ub974\uac8c \uc18c\uc9c4\ub418\ub294 \uc0c1\ud669\uc5d0 \uc9c1\uba74\ud588\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ud6c4\uc720\uc99d\uc73c\ub85c \uc778\ud55c \ud734\uc9c1\uacfc \uc77c\uc2e4\uc218\uc775 \uc190\uc2e4\uc774 \ub204\uc801\ub418\uc5c8\uc2b5\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 \uc7c1\uc810 \u00b7 NJ \ubc95\ub839 \ubc0f \ud310\ub840<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0\ub294 No-Fault \uc8fc\ub85c, \uc790\ub3d9\ucc28 \uc0ac\uace0\ub85c \uc778\ud55c \uc758\ub8cc\ube44\ub294 \uc77c\ucc28\uc801\uc73c\ub85c \ubcf8\uc778 PIP\uac00 \ubd80\ub2f4\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">N.J.S.A. 39:6A-4 \u2014 Personal Injury Protection coverage requirement. PIP\ub294 \uc758\ub8cc\ube44, \uc77c\uc2e4\uc218\uc775, \ud544\uc218 \uc11c\ube44\uc2a4, \uc7a5\ub840\ube44, \uc0dd\uc874\uc790 \uc190\ud574\ub97c \uc77c\uc815 \ud55c\ub3c4\uae4c\uc9c0 \ubcf4\uc7a5.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">N.J.S.A. 39:6A-8 \u2014 Limitation on lawsuit (verbal threshold) \uc635\uc158 \uc120\ud0dd\uc790\ub294 \uc601\uad6c\uc801 \uc2e0\uccb4 \uc190\uc0c1\uc774 \uc788\uc5b4\uc57c \ube44\uacbd\uc81c\uc801 \uc190\ud574(Pain &amp; Suffering) \uccad\uad6c \uac00\ub2a5.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">N.J.S.A. 2A:14-2 \u2014 \uc778\uc801 \uc190\ud574 \uccad\uad6c \uc18c\uba78\uc2dc\ud6a8 2\ub144.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc758\ub8b0\uc778\uc740 verbal threshold \uc635\uc158\uc744 \uc120\ud0dd\ud55c \uc0c1\ud0dc\uc600\uc73c\ubbc0\ub85c, \uc601\uad6c \uc190\uc0c1 \uc785\uc99d\uc774 \ube44\uacbd\uc81c\uc801 \uc190\ud574 \uccad\uad6c\uc758 \ud575\uc2ec \uc7c1\uc810\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc1a1\ub85c\ud38c \ub300\uc751 \uc804\ub7b5<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc1a1\ub85c\ud38c\uc740 \uc6b0\uc120 PIP claim\uc758 \uc9c4\ud589 \uc0c1\ud669\uc744 \uba74\ubc00\ud788 \ubaa8\ub2c8\ud130\ub9c1\ud558\uba74\uc11c, \uc758\ub8b0\uc778\uc774 \uc758\ud559\uc801\uc73c\ub85c \ud544\uc694\ud55c \uce58\ub8cc\ub97c \uc911\ub2e8 \uc5c6\uc774 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uc758\ub8cc\uc9c4\uacfc \ubcf4\ud5d8\uc0ac \uac04 \uc870\uc728\uc744 \uc9c4\ud589\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub3d9\uc2dc\uc5d0 \uac00\ud574\uc790 \uce21 \ucc45\uc784\ubcf4\ud5d8(Third Party Liability)\uc5d0 \ub300\ud55c \uc190\ud574\ubc30\uc0c1 \uccad\uad6c \uc808\ucc28\uc5d0 \ucc29\uc218\ud558\uc5ec \uc0ac\uace0 \ud604\uc7a5 \uc0ac\uc9c4, \uacbd\ucc30 \ubcf4\uace0\uc11c, \uc758\ub8cc \uae30\ub85d, \uc601\uc0c1 \uac80\uc0ac \uacb0\uacfc, \uc77c\uc2e4\uc218\uc775 \uc99d\ube59 \ub4f1\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\uc9d1\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc601\uad6c \uc190\uc0c1 \uc785\uc99d\uc744 \uc704\ud574 \uc815\ud615\uc678\uacfc\u00b7\uc2e0\uacbd\uacfc \uc804\ubb38\uc758\uc758 \uac1d\uad00\uc801 \uc758\uacac\uc11c\ub97c \ud655\ubcf4\ud558\uace0, verbal threshold \ucda9\uc871 \uc5ec\ubd80\ub97c \uc790\ub8cc\ub85c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud611\uc0c1 \uacfc\uc815\uc5d0\uc11c \uac00\ud574\uc790 \uce21 \ubcf4\ud5d8\uc0ac\uc758 \ucd08\uae30 \uc800\uc561 \uc81c\uc548\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 demand letter\ub97c \ud1b5\ud574 \uc758\ub8cc\ube44\u00b7\uc77c\uc2e4\uc218\uc775\u00b7\ud1b5\uc99d\uacfc \uace0\ud1b5\u00b7\ubbf8\ub798 \uc758\ub8cc\ube44 \uc804\ub9dd\uae4c\uc9c0 \uc885\ud569\uc801\uc73c\ub85c \uc815\ub7c9\ud654\ud558\uc5ec \uc81c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uacb0\uacfc \ubc0f \uc758\ubbf8<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">PIP\ub97c \ud1b5\ud574 \ucd08\uae30 \uc758\ub8cc\ube44 \ud68c\ubcf5\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc9c4\ud589\ud55c \ub4a4, \uac00\ud574\uc790 \uce21 \ucc45\uc784\ubcf4\ud5d8\uacfc\uc758 \ud611\uc0c1\uc5d0\uc11c \uc758\ub8b0\uc778\uc774 \ubc1b\uc544\ub4e4\uc77c \uc218 \uc788\ub294 \uc218\uc900\uc758 \uc6d0\ub9cc\ud55c \ud569\uc758\ub97c \ub3c4\ucd9c\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc758\ub8b0\uc778\uc740 \ucd94\uac00 \uce58\ub8cc\uc640 \ud734\uc9c1 \uae30\uac04 \ub3d9\uc548\uc758 \uc0dd\ud65c \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uace0, \uc794\uc5ec \ud6c4\uc720\uc99d\uc5d0 \ub300\ud55c \ubbf8\ub798 \uc758\ub8cc \ube44\uc6a9\uae4c\uc9c0 \uace0\ub824\ud55c \ud569\uc758 \uc870\uac74\uc744 \ubc1b\uc744 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc18c\uc1a1 \ub2e8\uacc4\ub85c \uac00\uc9c0 \uc54a\uace0 \ud569\uc758\ub85c \ub9c8\ubb34\ub9ac\ud558\uc5ec \uc2dc\uac04\uc801\u00b7\uc815\uc2e0\uc801 \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc2dc\uc0ac\uc810 \u00b7 \uad50\ud6c8<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0 No-Fault \uc81c\ub3c4 \ud558\uc5d0\uc11c\ub3c4 \uac00\ud574\uc790 \ucc45\uc784\uc774 \uba85\ud655\ud55c \uacbd\uc6b0 Third Party \uccad\uad6c\ub97c \ud1b5\ud574 PIP\uac00 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\ub294 \ube44\uacbd\uc81c\uc801 \uc190\ud574\uae4c\uc9c0 \ud68c\ubcf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0ac\uace0 \ud6c4 \ud1b5\uc99d\uc774 \uc989\uc2dc \ub098\ud0c0\ub098\uc9c0 \uc54a\ub354\ub77c\ub3c4 \uac00\ub2a5\ud55c \ud55c \ube60\ub974\uac8c \uc758\ub8cc \uc9c4\ub2e8\uc744 \ubc1b\uc544 \uc778\uacfc\uad00\uacc4 \ub2e8\uc808\uc744 \ubc29\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\uba70, \ubaa8\ub4e0 \uc9c4\ub8cc \uae30\ub85d\u00b7\uc601\uc218\uc99d\uc744 \ubcf4\uad00\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Verbal threshold \uc635\uc158\uc744 \uc120\ud0dd\ud588\ub2e4\uba74 \uc601\uad6c \uc190\uc0c1 \uc785\uc99d\uc744 \uc704\ud55c \uc758\ud559\uc801 \uc790\ub8cc \uc900\ube44\uac00 \ud544\uc218\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc5b4\ub85c \uc9c1\uc811 \uc758\uc0ac\uc18c\ud1b5\uc774 \uac00\ub2a5\ud55c \ud55c\uc778 \ubcc0\ud638\uc0ac\uc640 \ucd08\uae30\ubd80\ud130 \ud611\uc5c5\ud558\uba74 \uc758\ub8cc \uae30\ub85d \uc815\ub9ac\uc640 \ubcf4\ud5d8\uc0ac \ud611\uc0c1\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0c1\ub2f4 \ubb38\uc758 \u00b7 \uc1a1\ub85c\ud38c<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud83d\udcde \uc804\ud654: (201) 461-0031<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2709 \uc774\uba54\uc77c: office@songlawfirm.com<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud83c\udf10 \uc628\ub77c\uc778 \uc0c1\ub2f4: songlawfirm.com\/consultation\/<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud83d\udccd \uc8fc\uc18c: 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<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 \u2014 PIP \ud55c\ub3c4 \ubd80\uc871\uacfc Third Party Settlement\", \"description\": \"\uc758\ub8b0\uc778 \ud504\ub85c\ud30c\uc77c 40\ub300 \ud55c\uc778 \uc9c1\uc7a5\uc778 A\uc528\ub294 \ub274\uc800\uc9c0\uc5d0 \uac70\uc8fc\ud558\uba70 \uac00\uc871 \ubd80\uc591\uc744 \ucc45\uc784\uc9c0\ub294 \uac00\uc7a5\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc5b4\uc640 \uc601\uc5b4\ub97c \ubaa8\ub450 \uad6c\uc0ac\ud558\uba70, \ud3c9\uc18c \ud1b5\uadfc \uac70\ub9ac\uac00 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