{"id":26707,"date":"2026-07-13T17:17:56","date_gmt":"2026-07-13T21:17:56","guid":{"rendered":"https:\/\/songlawfirm.com\/week-batch-a-col-ko\/"},"modified":"2026-07-13T17:17:56","modified_gmt":"2026-07-13T21:17:56","slug":"week-batch-a-col-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/week-batch-a-col-ko\/","title":{"rendered":"\uc624\ud1a0\ubc14\uc774 \uc0ac\uace0 \ud6c4 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud560 \ubcf4\ud5d8 \uccad\uad6c \uc808\ucc28"},"content":{"rendered":"<div class=\"slf-article slf-week-batch\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">\uc0ac\uace0\uc0c1\ud574 (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 \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\ub294 \uc790\ub3d9\ucc28 \uc0ac\uace0\uc640 \ub2e4\ub985\ub2c8\ub2e4<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\ub294 \uc790\ub3d9\ucc28 \uc0ac\uace0\uc640 \uad6c\uc870\uc801\uc73c\ub85c \ub2e4\ub978 \uc810\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. \uc2e0\uccb4\uac00 \uc678\ubd80\uc5d0 \ub178\ucd9c\ub418\uc5b4 \uc788\uc5b4 \ubd80\uc0c1 \uc815\ub3c4\uac00 \uc2ec\uac01\ud558\uace0, \uc0ac\uace0 \ud6c4 \uc774\uc1a1\u00b7\uc751\uae09 \ucc98\uce58\u00b7\uc7ac\ud65c \uacfc\uc815\uc774 \ud6e8\uc52c \uae38\uc5b4\uc9c0\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc624\ud1a0\ubc14\uc774 \uc6b4\uc804\uc790\uc5d0 \ub300\ud55c \uc790\ub3d9\ucc28\ubcf4\ud5d8 \uc801\uc6a9 \ubc29\uc2dd\uc774 \uc77c\ubc18 \uc2b9\uc6a9\ucc28\uc640 \ub2e4\ub974\uba70, \uc774 \ucc28\uc774\ub97c \uc0ac\uace0 \uc9c1\ud6c4\uc5d0 \uc815\ud655\ud788 \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uba74 \uc815\ub2f9\ud55c \ubcf4\uc0c1\uc744 \ub193\uce58\ub294 \uacbd\uc6b0\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud2b9\ud788 2022\ub144 \uac1c\uc815\ub41c NJ \uc790\ub3d9\ucc28\ubcf4\ud5d8 \ucd5c\uc18c \ucc45\uc784\ud55c\ub3c4 \uc0c1\ud5a5 \uc774\ud6c4\uc5d0\ub3c4, \uc624\ud1a0\ubc14\uc774 \uc790\uccb4\uc5d0\ub294 PIP(Personal Injury Protection)\uac00 \uac15\uc81c\uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc774 \uc5ec\uc804\ud788 \uc624\ud574\uac00 \ub9ce\uc740 \ubd80\ubd84\uc785\ub2c8\ub2e4. \ubcf8 \uce7c\ub7fc\uc740 \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0 \uc9c1\ud6c4 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud560 \ubcf4\ud5d8 \uccad\uad6c \uc808\ucc28\uc640, \ub2e4\uc911 \ubcf4\ud5d8 \uc18c\uc2a4\ub97c \ud1b5\ud574 \ud68c\ubcf5 \uac00\ub2a5\ud55c \uc190\ud574 \ud56d\ubaa9\uc744 \uc815\ub9ac\ud569\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 \uc624\ud1a0\ubc14\uc774\uc640 NJ PIP\uc758 \uad00\uacc4<\/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(N.J.S.A. 39:6A-1 \uc774\ud558)\uc740 \uc790\ub3d9\ucc28(automobile) \uc18c\uc720\uc790\uc5d0\uac8c PIP \uac00\uc785\uc744 \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 N.J.S.A. 39:6A-2(a)\uc758 &quot;automobile&quot; \uc815\uc758\ub294 \uc624\ud1a0\ubc14\uc774\ub97c \uba85\uc2dc\uc801\uc73c\ub85c \uc81c\uc678\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc624\ud1a0\ubc14\uc774 \uc790\uccb4 \ubcf4\ud5d8\uc5d0 PIP\ub97c \ubcc4\ub3c4 \uc635\uc158\uc73c\ub85c \uac00\uc785\ud558\uc9c0 \uc54a\uc740 \uc774\uc0c1, \uc624\ud1a0\ubc14\uc774 \uc6b4\uc804\uc790\ub294 \uc0ac\uace0 \uc2dc \ubcf8\uc778 PIP\ub85c \uc758\ub8cc\ube44\ub97c \ucee4\ubc84\ubc1b\uc9c0 \ubabb\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-3.3\uc740 \uc624\ud1a0\ubc14\uc774 \ubcf4\ud5d8\uc758 \ubcc4\ub3c4 \uad00\ub9ac\ub97c \uaddc\uc815\ud558\uace0 \uc788\uc73c\uba70, \uc624\ud1a0\ubc14\uc774 \uc6b4\uc804\uc790\uac00 \uc0ac\uace0\ub97c \ub2f9\ud55c \uacbd\uc6b0 (1) \uc624\ud1a0\ubc14\uc774 \ubcf4\ud5d8\uc758 Medical Payments(MedPay) \ud2b9\uc57d, (2) \ubcf8\uc778 \uac74\uac15\ubcf4\ud5d8, (3) \uc0c1\ub300\ubc29 \ucc45\uc784\ubcf4\ud5d8(Third Party Liability), (4) Uninsured\/Underinsured Motorist(UM\/UIM) \ubcf4\uc7a5\uc744 \uc21c\ucc28\uc801\uc73c\ub85c \uac80\ud1a0\ud574\uc57c \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 \uc778\uc801 \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. \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\ub294 \ubd80\uc0c1 \ud68c\ubcf5\uc774 \uae38\uc5b4 \uccad\uad6c \uc2dc\uc810\uc774 \ub2a6\uc5b4\uc9c0\uae30 \uc26c\uc6b0\ubbc0\ub85c \uc2dc\ud6a8 \uad00\ub9ac\uac00 \ud2b9\ud788 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud560 \ubcf4\ud5d8 \uccad\uad6c \uc808\ucc28<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2460 \uc0ac\uace0 \ud604\uc7a5\uc5d0\uc11c \ud655\ubcf4\ud574\uc57c \ud560 \uc815\ubcf4<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uacbd\ucc30 \uc2e0\uace0 \ubc0f \uacf5\uc2dd \uc0ac\uace0\ubcf4\uace0\uc11c(Police Crash Report) \ud655\ubcf4. \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\ub294 \uacfc\uc2e4 \ud310\ub2e8\uc5d0\uc11c \ubaa9\uaca9\uc790 \uc9c4\uc220\uc774 \uacb0\uc815\uc801\uc774\ubbc0\ub85c \ud604\uc7a5 \uc778\uc6d0 \uc5f0\ub77d\ucc98\ub97c \ubc18\ub4dc\uc2dc \uc218\uc9d1\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0ac\uace0 \ud604\uc7a5\uc758 \ub3c4\ub85c \uc0c1\ud0dc\u00b7\uc870\uba85\u00b7\ud45c\uc9c0\u00b7\ucc28\ub7c9 \uc704\uce58\ub97c \ub2e4\uac01\ub3c4\ub85c \ucd2c\uc601\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 \ucc28\ub7c9 \uc190\uc0c1 \ubd80\uc704\ub97c \ucd2c\uc601\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uac00\ub2a5\ud558\ub2e4\uba74 \uc751\uae09 \ub300\uc751 \uc778\ub825\uc5d0\uac8c \uc0ac\uace0 \uc6d0\uc778\uc5d0 \ub300\ud55c \ucd08\uae30 \uad00\ucc30\uc744 \ud655\uc778\ud574 \ub461\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2461 \ubcf8\uc778 \uc624\ud1a0\ubc14\uc774 \ubcf4\ud5d8 \ud655\uc778<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Medical Payments(MedPay) \ud2b9\uc57d \uac00\uc785 \uc5ec\ubd80 \ud655\uc778. \uac00\uc785\ub418\uc5b4 \uc788\ub2e4\uba74 \uc751\uae09\uc2e4\u00b7\uc218\uc220 \ube44\uc6a9\uc744 \uc6b0\uc120 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">UM\/UIM \ubcf4\uc7a5 \ud55c\ub3c4 \ud655\uc778(N.J.S.A. 17:28-1.1). \uc0c1\ub300\ubc29\uc774 \ubb34\ubcf4\ud5d8\uc774\uac70\ub098 \uc18c\uc561 \ubcf4\ud5d8\ub9cc \uac00\uc785\ud55c \uacbd\uc6b0 \uacb0\uc815\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Collision\/Comprehensive \ubcf4\uc7a5\uc73c\ub85c \ucc28\ub7c9 \uc190\ud574\ub97c \uc2e0\uc18d\ud558\uac8c \ud68c\uc218\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2462 \ubcf8\uc778 \uac74\uac15\ubcf4\ud5d8 \ud65c\uc6a9<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">PIP\uac00 \uc5c6\uc73c\ubbc0\ub85c \uc751\uae09\uc2e4\u00b7\uc218\uc220\ube44\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc740 \ubcf8\uc778 \uac74\uac15\ubcf4\ud5d8\uc774 \ubd80\ub2f4\ud569\ub2c8\ub2e4. Medicare\u00b7Medicaid \uc218\uae09\uc790\ub294 \uc0ac\ud6c4 \ubcf4\uc0c1\uae08\uc5d0\uc11c subrogation\uc774 \ubc1c\uc0dd\ud558\ubbc0\ub85c \ubcc4\ub3c4 \uad00\ub9ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">ERISA plan \uac00\uc785\uc790\ub294 \uc0c1\uae09 subrogation \uc870\ud56d\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc5b4 \ubcc0\ud638\uc0ac\uc640 \uc870\uc728\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2463 \uc0c1\ub300\ubc29 \ucc45\uc784\ubcf4\ud5d8 \uccad\uad6c<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Third Party Liability \uccad\uad6c\ub294 \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\uc5d0\uc11c \uc2e4\uc9c8\uc801 \ud68c\ubcf5\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. NJ\ub294 modified comparative negligence(N.J.S.A. 2A:15-5.1)\ub97c \uc801\uc6a9\ud558\uba70, \ubcf8\uc778 \uacfc\uc2e4\uc774 50% \uc774\ud558\ub77c\uba74 \uac10\uc561\ub41c \ubcf4\uc0c1\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc624\ud1a0\ubc14\uc774 \uc6b4\uc804\uc790\uc5d0 \ub300\ud55c \ud3b8\uacac\uc744 \ub118\uc5b4\uc11c\uae30 \uc704\ud574 \uc0ac\uace0 \uc7ac\uad6c\uc131 \uc804\ubb38\uac00\u00b7\uc5d4\uc9c0\ub2c8\uc5b4 \uac10\uc815\uc774 \ud544\uc694\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/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<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q1. \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\uc778\ub370 \uc65c \ubcf8\uc778 PIP\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc5c6\ub098\uc694?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. NJ \uc790\ub3d9\ucc28\ubcf4\ud5d8\ubc95\uc0c1 &quot;automobile&quot;\uc758 \uc815\uc758(N.J.S.A. 39:6A-2)\uc5d0\uc11c \uc624\ud1a0\ubc14\uc774\uac00 \uc81c\uc678\ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc624\ud1a0\ubc14\uc774 \ubcf4\ud5d8\uc5d0 \ubcc4\ub3c4 MedPay \ud2b9\uc57d\uc744 \uac00\uc785\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \ubcf8\uc778 \uac74\uac15\ubcf4\ud5d8\uc774 \ucd08\uae30 \uc758\ub8cc\ube44\uc758 \uc8fc\uc694 \uc18c\uc2a4\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q2. \ud5ec\uba67\uc744 \ucc29\uc6a9\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \uccad\uad6c\uac00 \ubd88\uac00\ub2a5\ud55c\uac00\uc694?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. NJ\ub294 N.J.S.A. 39:3-76.7\uc5d0 \ub530\ub77c \uc624\ud1a0\ubc14\uc774 \uc6b4\uc804\uc790\u00b7\ub3d9\uc2b9\uc790\uc758 \ud5ec\uba67 \ucc29\uc6a9\uc744 \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \ubbf8\ucc29\uc6a9 \uc2dc \uc704\ubc18\uc774\uc9c0\ub9cc, \uccad\uad6c \uc790\uccb4\uac00 \ubd09\uc1c4\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ub450\ubd80\u00b7\uacbd\ubd80 \ubd80\uc0c1\uc758 \uc778\uacfc\uad00\uacc4 \ubc29\uc5b4\uc5d0\uc11c comparative negligence \uc694\uc18c\ub85c \uc0ac\uc6a9\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \ub300\uc751\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q3. \uc0ac\uace0 \uc0c1\ub300\ubc29\uc774 \ubb34\ubcf4\ud5d8\uc774\uba74 \uc5b4\ub5bb\uac8c \ud558\ub098\uc694?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \ubcf8\uc778 \uc624\ud1a0\ubc14\uc774 \ubcf4\ud5d8\uc758 Uninsured Motorist(UM) \ubcf4\uc7a5\uc744 \ud1b5\ud574 \uccad\uad6c\ud569\ub2c8\ub2e4. UM \ud55c\ub3c4 \uc774\ub0b4\uc5d0\uc11c \uc758\ub8cc\ube44\u00b7\uc77c\uc2e4\uc218\uc775\u00b7\ud1b5\uc99d\uacfc \uace0\ud1b5\uae4c\uc9c0 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. UM \ud55c\ub3c4\uac00 \ubd80\uc871\ud558\ub2e4\uba74 \uac00\uc871 \uad6c\uc131\uc6d0\uc758 \ub2e4\ub978 \uc790\ub3d9\ucc28\ubcf4\ud5d8 UM \ubcf4\uc7a5\uc744 stacking\ud560 \uc218 \uc788\ub294\uc9c0 \ubcc4\ub3c4 \uac80\ud1a0\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q4. \uc0ac\uace0 \uc9c1\ud6c4 \ud1b5\uc99d\uc774 \uc5c6\ub2e4\uac00 \uba70\uce60 \ub4a4 \uc2e0\uacbd \uc99d\uc0c1\uc774 \uc2dc\uc791\ub418\uba74\uc694?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \uc989\uc2dc \uc2e0\uacbd\uacfc\u00b7\uc815\ud615\uc678\uacfc \uc9c4\ub8cc\ub97c \ubc1b\uace0 \uc0ac\uace0\uc640\uc758 \uc778\uacfc\uad00\uacc4\ub97c \uc758\ubb34 \uae30\ub85d\uc5d0 \uba85\uc2dc\ud574\ub2ec\ub77c\uace0 \uc694\uccad\ud569\ub2c8\ub2e4. \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0 \ud6c4 \uc9c0\uc5f0 \ubc1c\ud604\ub418\ub294 \ub300\ud45c \uc99d\uc0c1\uc73c\ub85c \uc694\ucd94 \uc2e0\uacbd\uadfc\ubcd1\uc99d\u00b7\ud68c\uc804\uadfc\uac1c \ud30c\uc5f4\u00b7\uacbd\ucd94 \ucd94\uac04\ud310 \uc190\uc0c1 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q5. \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0 \ud569\uc758 \uc2dc\uc810\uc740 \uc5b8\uc81c\uac00 \uc88b\uc740\uac00\uc694?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \uc6d0\uce59\uc801\uc73c\ub85c Maximum Medical Improvement(MMI) \ub3c4\ub2ec \uc774\ud6c4\uac00 \uc548\uc804\ud569\ub2c8\ub2e4. \uc870\uae30 \ud569\uc758\ub294 \ud5a5\ud6c4 \uc7ac\uc218\uc220\u00b7\uc7ac\ud65c \ube44\uc6a9\u00b7\ud6c4\uc720\uc99d\uc5d0 \ub300\ud55c \uccad\uad6c\uad8c\uc744 \ud3ec\uae30\ud558\ub294 \uacb0\uacfc\uac00 \ub418\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \uc18c\uba78\uc2dc\ud6a8 2\ub144 \ub0b4\uc5d0\uc11c \ucd5c\ub300\ud55c \uc758\ud559\uc801 \uc0c1\ud0dc\uac00 \uc548\uc815\ub41c \uc2dc\uc810\uc5d0\uc11c \ud611\uc0c1\ud558\ub294 \uac83\uc774 \uc720\ub9ac\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, \ub274\uc800\uc9c0\uc5d0 \uac70\uc8fc\ud558\ub294 40\ub300 \uc624\ud1a0\ubc14\uc774 \uc6b4\uc804\uc790\uac00 \uc88c\ud68c\uc804 \ucc28\ub7c9\uacfc \ucda9\ub3cc\ud574 \uc5b4\uae68\u00b7\uc190\ubaa9\u00b7\uc694\ucd94 \ubd80\uc0c1\uc744 \uc785\uc5c8\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc751\uae09\uc2e4\uc5d0\uc11c\ub294 \uc815\ud615\uc678\uacfc \uc218\uc220\uc744 \uad8c\uc720\ubc1b\uc558\uace0, \uc774\ud6c4 \uc7ac\ud65c\uc774 6\uac1c\uc6d4 \uc774\uc0c1 \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. \ubcf8\uc778\uc740 \uc624\ud1a0\ubc14\uc774 \ubcf4\ud5d8\ub9cc \uac00\uc785\ud558\uace0 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 PIP\ub294 \uc5c6\uc5c8\uc9c0\ub9cc, \ub2e4\ud589\ud788 MedPay \ud2b9\uc57d\uc744 \uac00\uc785\ud574 \ub450\uc5c8\uae30\uc5d0 \uc751\uae09\uc2e4\u00b7\uc218\uc220\ube44 \uc77c\ubd80\uac00 \uc6b0\uc120 \ucee4\ubc84\ub418\uc5c8\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 \uac74\uac15\ubcf4\ud5d8\uc744 \ud1b5\ud574 \uc7ac\ud65c \ube44\uc6a9\uc744 \uad00\ub9ac\ud558\uba74\uc11c, \uc0c1\ub300\ubc29 \ucc45\uc784\ubcf4\ud5d8\uc5d0 \ub300\ud574 \uc0ac\uace0 \uc7ac\uad6c\uc131\u00b7\uc758\ub8cc \uae30\ub85d\u00b7\uc77c\uc2e4\uc218\uc775 \uc790\ub8cc\ub97c \uc885\ud569\ud55c demand package\ub97c \uc791\uc131\ud574 \ud611\uc0c1\uc744 \uc9c4\ud589\ud588\uc2b5\ub2c8\ub2e4. \uc0c1\ub300\ubc29\uc774 \ucd5c\uc18c \ucc45\uc784\ud55c\ub3c4\ub9cc \uac00\uc785\ud55c \uacbd\uc6b0 UM\/UIM \uccad\uad6c\uae4c\uc9c0 \uc5f0\uacc4\ud574 \uc2e4\uc9c8\uc801 \ud68c\ubcf5\uc561\uc744 \ud655\ub300\ud558\ub294 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\ub294 \ubd80\uc0c1 \uc815\ub3c4\uac00 \ud06c\uace0 \ub2e4\uc911 \ubcf4\ud5d8 \uc18c\uc2a4\ub97c \ub2e4\ub904\uc57c \ud558\ubbc0\ub85c, \uc0ac\uace0 \uc9c1\ud6c4\ubd80\ud130 \ud55c\uad6d\uc5b4\ub85c \uc9c1\uc811 \uc18c\ud1b5 \uac00\ub2a5\ud55c \ud55c\uc778 \ubcc0\ud638\uc0ac\uc640 \ud611\uc5c5\ud558\uba74 \uccad\uad6c \ud750\ub984\uc744 \ub193\uce58\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\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 mail@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\uc9c0 \uc54a\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\uc73c\ubbc0\ub85c, \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.<\/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;\">\ube44\uc2b7\ud55c \uc0ac\uac74\uc744 \uacaa\uace0 \uacc4\uc2dc\ub2e4\uba74 \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 Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/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. NJ Rules of Professional Conduct 7.1\uc5d0 \ub530\ub77c \ubcf8 \uc790\ub8cc\uc758 \uac8c\uc7ac\uac00 \ubcc0\ud638\uc0ac\u2013\uc758\ub8b0\uc778 \uad00\uacc4\ub97c \ud615\uc131\ud558\uc9c0 \uc54a\uc73c\uba70, \uad6c\uccb4\uc801 \uc0ac\uac74\uc758 \uc0ac\uc2e4\uad00\uacc4\u00b7\uc99d\uac70\u00b7\ucd5c\uc2e0 \ud310\ub840\uc5d0 \ub530\ub77c \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub4dc\uc2dc \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\uc624\ud1a0\ubc14\uc774 \uc0ac\uace0 \ud6c4 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud560 \ubcf4\ud5d8 \uccad\uad6c \uc808\ucc28\", \"description\": \"\uba38\ub9ac\ub9d0 \u2014 \uc624\ud1a0\ubc14\uc774 \uc0ac\uace0\ub294 \uc790\ub3d9\ucc28 \uc0ac\uace0\uc640 \ub2e4\ub985\ub2c8\ub2e4 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