{"id":27445,"date":"2026-08-05T10:30:00","date_gmt":"2026-08-05T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=27445"},"modified":"2026-08-05T10:30:00","modified_gmt":"2026-08-05T14:30:00","slug":"nj-verbal-threshold-2026-08-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/nj-verbal-threshold-2026-08-ko\/","title":{"rendered":"\ub274\uc800\uc9c0 Verbal Threshold \uc644\uc804 \ud574\uc124 \u2014 6\uac1c \ubd80\uc0c1 \uce74\ud14c\uace0\ub9ac\uc640 \uc18c\uc1a1 \uac00\ub2a5 \uc870\uac74"},"content":{"rendered":"<div class=\"slf-article slf-daily-pi\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">PERSONAL INJURY LAW \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;\">\uc0c1\ud669 \uac1c\uc694<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc0ac\uace0\ub85c \ubd80\uc0c1\uc744 \uc785\uc740 \ub9ce\uc740 \ubd84\ub4e4\uc774 \ubcd1\uc6d0\ube44\ub97c PIP(Personal Injury Protection)\ub85c \ucc98\ub9ac\ud55c \ub4a4\uc5d0\ub3c4, \uc815\uc791 \ud1b5\uc99d\u00b7\ubd88\ud3b8\ud568\u00b7\uc0b6\uc758 \uc9c8 \uc800\ud558\uc5d0 \ub300\ud55c \ubc30\uc0c1\uc740 \ubc1b\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc5d0 \ubd80\ub52a\ud799\ub2c8\ub2e4. \uadf8 \uc6d0\uc778\uc740 \ub300\ubd80\ubd84 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785 \uc2dc \uc120\ud0dd\ud55c &quot;Verbal Threshold&quot;(\uad6c\ub450 \ubb38\ud131 \uc870\ud56d) \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc774 \uc870\ud56d\uc774 \uc788\uc73c\uba74 \ud2b9\uc815 \uc2ec\uac01\ub3c4 \uc774\uc0c1\uc758 \ubd80\uc0c1\uc774 \uc544\ub2c8\uba74 \ud1b5\uc99d\uacfc \uace0\ud1b5(pain and suffering) \ub4f1 \ube44\uacbd\uc81c\uc801 \uc190\ud574\uc5d0 \ub300\ud55c \uc18c\uc1a1 \uc790\uccb4\uac00 \ucc28\ub2e8\ub429\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ubc95\ub960\uc801 \uac1c\ub150<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Verbal Threshold\ub294 \ub274\uc800\uc9c0 AICRA(Automobile Insurance Cost Reduction Act, 1998) \uac1c\uc815\uc73c\ub85c \ub3c4\uc785\ub41c \uc81c\ub3c4\ub85c, \uc815\uc2dd \uba85\uce6d\uc740 Limitation on Lawsuit Option\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785\uc790\ub294 \uc544\ub798 \ub450 \uc635\uc158 \uc911 \ud558\ub098\ub97c \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">Limitation on Lawsuit(\uc81c\ud55c\ub41c \uc18c\uc1a1\uad8c, \uc989 Verbal Threshold): \ubcf4\ud5d8\ub8cc\uac00 \uc800\ub834\ud55c \ub300\uc2e0 \ud2b9\uc815 \ubd80\uc0c1 \uce74\ud14c\uace0\ub9ac\uc5d0 \ud574\ub2f9\ud574\uc57c\ub9cc \ud1b5\uc99d\u00b7\uace0\ud1b5\uc5d0 \ub300\ud55c \uc18c\uc1a1\uc774 \uac00\ub2a5<\/li>\n<li style=\"margin:5px 0;\">Zero Threshold(\uc81c\ud55c \uc5c6\ub294 \uc18c\uc1a1\uad8c): \ubcf4\ud5d8\ub8cc\uac00 \ube44\uc2fc \ub300\uc2e0 \ubaa8\ub4e0 \ubd80\uc0c1\uc5d0 \ub300\ud574 \uc18c\uc1a1 \uac00\ub2a5<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubcf4\ud5d8 \uac00\uc785 \uc2dc \uc544\ubb34\ub7f0 \ud45c\uc2dc\ub97c \ud558\uc9c0 \uc54a\uc73c\uba74 \uc790\ub3d9\uc73c\ub85c Verbal Threshold\ub85c \uac00\uc785\ub429\ub2c8\ub2e4. \ub300\ub2e4\uc218\uc758 \ub274\uc800\uc9c0 \uc6b4\uc804\uc790\uac00 \uc774 \uc0ac\uc2e4\uc744 \ubaa8\ub974\uace0 \uc788\ub2e4\uac00 \uc0ac\uace0 \ud6c4\uc5d0\uc57c \uc18c\uc1a1 \uc81c\ud55c\uc774 \uc788\uc74c\uc744 \uc54c\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ub274\uc800\uc9c0 \uaddc\uc815<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">N.J.S.A. 39:6A-8(a)\ub294 Verbal Threshold\ub97c \ud1b5\uacfc\ud558\uae30 \uc704\ud55c 6\uac1c \ubd80\uc0c1 \uce74\ud14c\uace0\ub9ac\ub97c \uba85\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\uc0ac\ub9dd<\/li>\n<li style=\"margin:5px 0;\">\uc2e0\uccb4 \uc808\ub2e8(dismemberment)<\/li>\n<li style=\"margin:5px 0;\">\uc911\ub300\ud55c \ud749\ud130 \ub610\ub294 \uc2ec\uac01\ud55c \uc678\ubaa8 \uc190\uc0c1(significant scarring or disfigurement)<\/li>\n<li style=\"margin:5px 0;\">\uc804\uc704 \uace8\uc808(displaced fractures)<\/li>\n<li style=\"margin:5px 0;\">\ud0dc\uc544 \uc0c1\uc2e4(loss of a fetus)<\/li>\n<li style=\"margin:5px 0;\">\ud569\ub9ac\uc801 \uc758\ud559\uc801 \uac1c\uc5f0\uc131 \ubc94\uc704 \ub0b4\uc5d0\uc11c\uc758 \uc601\uad6c\uc801 \ubd80\uc0c1(permanent injury within a reasonable degree of medical probability)<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc2e4\ubb34\uc5d0\uc11c \uac00\uc7a5 \uc790\uc8fc \ub2e4\ud22c\ub294 \uac83\uc740 6\ubc88\uc9f8 \ud56d\ubaa9\uc778 &quot;\uc601\uad6c\uc801 \ubd80\uc0c1&quot;\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0 \ub300\ubc95\uc6d0\uc740 James v. Torres, Serrano v. Serrano \ub4f1 \ud310\ub840\ub97c \ud1b5\ud574 &quot;\uc601\uad6c\uc801&quot;\uc774\ub780 \ubd80\uc0c1 \ubd80\uc704\uc758 \uc138\ud3ec\u00b7\uc870\uc9c1\uc774 \uce58\ub8cc \ud6c4\uc5d0\ub3c4 \uc815\uc0c1 \uae30\ub2a5\uc744 \uc644\uc804\ud788 \ud68c\ubcf5\ud558\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud0dc\ub97c \uc758\ubbf8\ud55c\ub2e4\uace0 \ud574\uc11d\ud569\ub2c8\ub2e4. \ub2e8\uc21c \ud1b5\uc99d \uc9c0\uc18d\uc774\ub098 \uc8fc\uad00\uc801 \ubd88\ud3b8\ud568\ub9cc\uc73c\ub85c\ub294 \ud1b5\uacfc\uac00 \uc5b4\ub835\uace0, MRI\u00b7CT\u00b7\uadfc\uc804\ub3c4\u00b7EMG \ub4f1 \uac1d\uad00\uc801 \uc9c4\ub2e8 \uc18c\uacac\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc2e4\uc804 \ub300\uc751<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\uc0ac\uace0 \ucd08\uae30\ubd80\ud130 \ub2f4\ub2f9 \uc758\uc0ac\uc5d0\uac8c \ud1b5\uc99d \ubd80\uc704\u00b7\uac15\ub3c4\u00b7\uae30\ub2a5 \uc81c\ud55c\uc744 \uc0c1\uc138\ud788 \uae30\ub85d\ud558\ub3c4\ub85d \uc694\uccad\ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">MRI, CT, EMG \ub4f1 \uac1d\uad00\uc801 \uac80\uc0ac\ub97c \ucd08\uae30\uc5d0 \uc218\ud589\ud574 \ubd80\uc0c1\uc758 \uad6c\uc870\uc801 \uadfc\uac70\ub97c \ubb38\uc11c\ud654\ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">\uce58\ub8cc\ub97c \uc911\ub2e8\ud558\uc9c0 \ub9c8\uc138\uc694. \uce58\ub8cc \uacf5\ubc31(gap in treatment)\uc740 \uc0c1\ub300\ubc29 \ubcc0\ud638\uc0ac\uac00 \ubd80\uc0c1\uc774 \uc2ec\uac01\ud558\uc9c0 \uc54a\ub2e4\ub294 \uadfc\uac70\ub85c \ud65c\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">\ub2f4\ub2f9 \uc758\uc0ac\ub85c\ubd80\ud130 &quot;Permanency Certification&quot;\uc744 \ud655\ubcf4\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c\ub294 \uc774 \uc11c\uba74 \uc778\uc99d\uc774 \uc18c\uc1a1\uc758 \ud544\uc218 \uc694\uac74\uc785\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">\uc18c\uc1a1 \uc804 \ubcf4\ud5d8\uc0ac \uc870\uc815\uc5d0\uc11c\ub3c4 \uc704 \uc790\ub8cc\ub97c \uc900\ube44\ud558\uba74 \ucd08\uae30 offer\uac00 \uac1c\uc120\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ud754\ud55c \uc624\ud574<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">&quot;\ubcd1\uc6d0\ube44\ub9cc \uc788\uc73c\uba74 \uc18c\uc1a1 \uac00\ub2a5\ud558\ub2e4&quot; \u2014 \ubcd1\uc6d0\ube44\ub294 PIP\uc5d0\uc11c \ucc98\ub9ac\ub418\uba70, \ud1b5\uc99d\u00b7\uace0\ud1b5\uc5d0 \ub300\ud55c \ubcc4\ub3c4 \uc18c\uc1a1\uc740 Threshold \ud1b5\uacfc\uac00 \uc788\uc5b4\uc57c\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">&quot;\uad50\ud1b5\uc0ac\uace0 \uc774\ud6c4 \uc544\ud504\uba74 \uc790\ub3d9\uc73c\ub85c permanent \ubd80\uc0c1&quot; \u2014 \ud1b5\uc99d\uc758 \uc9c0\uc18d\ub9cc\uc73c\ub85c\ub294 \ubd80\uc871\ud558\uba70, \uac1d\uad00\uc801 \uc758\ud559 \uc18c\uacac\uc774 \ub4b7\ubc1b\uce68\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">&quot;\uace8\uc808\uc774\uba74 \ubb34\uc870\uac74 \ud1b5\uacfc&quot; \u2014 \ub274\uc800\uc9c0\ub294 &quot;\uc804\uc704 \uace8\uc808(displaced fracture)&quot;\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \uc2e4\uae08(hairline) \uace8\uc808\uc774\ub098 \uc704\uce58 \uc774\ub3d9\uc774 \uc5c6\ub294 \uace8\uc808\uc740 \ubcc4\ub3c4 \uc694\uac74 \ud310\ub2e8\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">&quot;\ub0b4 \ubd80\uc0c1\uc774 \uc2ec\uac01\ud55c\uc9c0 \ud310\ub2e8\uc740 \uc0ac\uace0 \uc9c1\ud6c4 \uacb0\uc815\ub41c\ub2e4&quot; \u2014 \uc2e4\uc81c\ub85c\ub294 \ucd08\uae30 \uc9c4\ub2e8, \uce58\ub8cc \ubc18\uc751, 6\uac1c\uc6d4~1\ub144 \ucd94\uc801 \uad00\ucc30 \ud6c4\uc5d0\uc57c permanency \uc5ec\ubd80\uac00 \ud655\uc815\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\ud575\uc2ec \uc815\ub9ac<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\ub274\uc800\uc9c0 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785\uc790\uc758 \ub300\ubd80\ubd84\uc740 \uc790\ub3d9\uc73c\ub85c Verbal Threshold\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">Threshold\ub97c \ud1b5\uacfc\ud558\uc9c0 \ubabb\ud558\uba74 \ud1b5\uc99d\u00b7\uace0\ud1b5 \uc18c\uc1a1\uc740 \uc6d0\ucc9c \ucc28\ub2e8\ub429\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">&quot;\uc601\uad6c\uc801 \ubd80\uc0c1&quot; \uce74\ud14c\uace0\ub9ac\ub294 \uac1d\uad00\uc801 \uc9c4\ub2e8\u00b7permanency certification\u00b7\uc9c0\uc18d\uc801 \uce58\ub8cc \uae30\ub85d\uc758 \uc870\ud569\uc73c\ub85c \uc785\uc99d\ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">\uc0ac\uace0 \ud6c4 \uccab \uba87 \uac1c\uc6d4\uac04\uc758 \uc9c4\ub2e8\u00b7\uce58\ub8cc \uae30\ub85d \uad00\ub9ac\uac00 \uc774\ud6c4 \uc18c\uc1a1 \uac00\ub2a5\uc131 \uc5ec\ubd80\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\ub0b4 \ubcf4\ud5d8\uc774 Verbal Threshold\uc778\uc9c0 \uc5b4\ub5bb\uac8c \ud655\uc778\ud558\ub098\uc694?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ubcf4\ud5d8 \uc99d\uad8c(Declarations Page) \uc0c1\ub2e8 \ubd80\uadfc\uc5d0 &quot;Limitation on Lawsuit \u2014 Yes&quot;\ub85c \ud45c\uc2dc\ub429\ub2c8\ub2e4. \ud655\uc778\uc774 \uc5b4\ub835\ub2e4\uba74 \ubcf4\ud5d8 \ub300\ub9ac\uc778\uc5d0\uac8c \uc694\uccad\ud558\uba74 \uc989\uc2dc \uc54c\ub824\uc90d\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\uc0c1\ub300\ubc29 \ucc28\ub7c9\uc774 Zero Threshold\uc778 \uacbd\uc6b0 \uc800\ub3c4 \uc18c\uc1a1\uc5d0 \uc720\ub9ac\ud55c\uac00\uc694?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc18c\uc1a1 \uc694\uac74\uc740 \uc6d0\uace0(\ubd80\uc0c1\ub2f9\ud55c \uce21)\uac00 \uc120\ud0dd\ud55c \uc635\uc158\uc5d0 \ub530\ub77c \uacb0\uc815\ub429\ub2c8\ub2e4. \uc0c1\ub300\uc758 \uc635\uc158\uc740 \uc6d0\uce59\uc801\uc73c\ub85c \ubb34\uad00\ud569\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">Threshold\ub97c \ub118\uc9c0 \ubabb\ud558\uba74 \uc5b4\ub5a4 \uccad\uad6c\ub3c4 \ubabb \ud558\ub098\uc694?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc544\ub2d9\ub2c8\ub2e4. PIP\ub97c \ud1b5\ud55c \uc758\ub8cc\ube44, \uc784\uae08 \uc190\uc2e4(income continuation), \ud544\uc218 \uc11c\ube44\uc2a4 \ub300\uccb4(essential services) \ub4f1 \uacbd\uc81c\uc801 \uc190\ud574 \ud56d\ubaa9\uc740 \uacc4\uc18d \uccad\uad6c \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc81c\ud55c\ub418\ub294 \uac83\uc740 \ud1b5\uc99d\u00b7\uace0\ud1b5 \ub4f1 \ube44\uacbd\uc81c\uc801 \uc190\ud574\uc5d0 \ub300\ud55c \uc18c\uc1a1\uc785\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\uc815\uc2e0\uc801 \uc678\uc0c1(PTSD, \ubd88\uc548\uc7a5\uc560)\uc740 Threshold\ub97c \ud1b5\uacfc\ud558\ub098\uc694?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uac1d\uad00\uc801 \uc9c4\ub2e8\uacfc \uc9c0\uc18d\uc801 \uce58\ub8cc \uae30\ub85d\uc774 \uc788\uc73c\uba74 6\ubc88\uc9f8 \uce74\ud14c\uace0\ub9ac(\uc601\uad6c\uc801 \ubd80\uc0c1)\ub85c \uc778\uc815\ub41c \ud310\ub840\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc815\uc2e0\uacfc\u00b7\uc2ec\ub9ac\uce58\ub8cc \uae30\ub85d \uad00\ub9ac\uac00 \uad00\uac74\uc785\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\ub274\uc695\uacfc \uaddc\uc815\uc774 \ub2e4\ub978\uac00\uc694?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub2e4\ub985\ub2c8\ub2e4. \ub274\uc695\uc740 \ubcc4\ub3c4\uc758 &quot;Serious Injury&quot; threshold(New York Insurance Law \u00a7 5102(d))\ub97c \uc0ac\uc6a9\ud558\uba70, \uce74\ud14c\uace0\ub9ac \uad6c\uc870\uc640 \ud310\ub2e8 \uae30\uc900\uc774 \ub274\uc800\uc9c0\uc640 \ub2e4\ub985\ub2c8\ub2e4. \ub274\uc800\uc9c0 \uac70\uc8fc\uc790\uac00 \ub274\uc695\uc5d0\uc11c \uc0ac\uace0\ub97c \ub2f9\ud55c \uacbd\uc6b0 \uc5b4\ub290 \uc8fc\uc758 \uaddc\uc815\uc774 \uc801\uc6a9\ub418\ub294\uc9c0 \ucd08\uae30\uc5d0 \ubd84\uc11d\ud574\uc57c \ud569\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;\">\uad50\ud1b5\uc0ac\uace0\u00b7\uc0ac\uace0\uc0c1\ud574 \uc0c1\ub2f4\uc774 \ud544\uc694\ud558\uc2ed\ub2c8\uae4c?<\/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> \u00b7 \ubcf8 \uce7c\ub7fc\uc740 \ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc0ac\uace0\uc0c1\ud574\ubc95\uc5d0 \uad00\ud55c \uc77c\ubc18 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uba70, \uac1c\ubcc4 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubc95\ub960\u00b7\uaddc\uc815\u00b7\ud310\ub840\ub294 \uc218\uc2dc\ub85c \ubcc0\uacbd\ub418\ubbc0\ub85c \uc2dc\uc810\uc5d0 \ub530\ub77c \ub0b4\uc6a9\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. NJ Rules of Professional Conduct 7.1\uc5d0 \ub530\ub77c \uc774 \uc790\ub8cc\uc758 \uac8c\uc7ac\ub294 \ubcc0\ud638\uc0ac\u2013\uc758\ub8b0\uc778 \uad00\uacc4\ub97c \ud615\uc131\ud558\uc9c0 \uc54a\uc73c\uba70, \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.<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\ub274\uc800\uc9c0 Verbal Threshold \uc644\uc804 \ud574\uc124 \u2014 6\uac1c \ubd80\uc0c1 \uce74\ud14c\uace0\ub9ac\uc640 \uc18c\uc1a1 \uac00\ub2a5 \uc870\uac74\", \"description\": \"\uc0c1\ud669 \uac1c\uc694 \ub274\uc800\uc9c0\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc0ac\uace0\ub85c \ubd80\uc0c1\uc744 \uc785\uc740 \ub9ce\uc740 \ubd84\ub4e4\uc774 \ubcd1\uc6d0\ube44\ub97c PIP(Personal Injury Protection)\ub85c \ucc98\ub9ac\ud55c \ub4a4\uc5d0\ub3c4, \uc815\uc791 \ud1b5\uc99d\u00b7\ubd88\ud3b8\ud568\u00b7\uc0b6\uc758 \uc9c8 \uc800\ud558\uc5d0 \ub300\ud55c \ubc30\uc0c1\uc740 \ubc1b\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc5d0 \ubd80\ub52a\ud799\ub2c8\ub2e4. \uadf8 \uc6d0\uc778\uc740 \ub300\ubd80\ubd84 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785 \uc2dc \uc120\ud0dd\ud55c &quot;Verbal Threshold&quot;(\uad6c\ub450 \ubb38\ud131 \uc870\ud56d) \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc774 \uc870\ud56d\uc774 \uc788\uc73c\uba74 \ud2b9\uc815 \uc2ec\uac01\ub3c4 \uc774\uc0c1\uc758 \ubd80\uc0c1\uc774 \uc544\ub2c8\uba74 \ud1b5\uc99d\uacfc \uace0\ud1b5(pain and suffering) \ub4f1 \ube44\uacbd\uc81c\uc801 \uc190\ud574\uc5d0 \ub300\ud55c \uc18c\uc1a1 \uc790\uccb4\uac00 \ucc28\ub2e8\ub429\ub2c8\ub2e4.\", \"datePublished\": \"2026-08-05T10:30:00\", \"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\", \"articleSection\": \"Personal Injury\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0c1\ud669 \uac1c\uc694 \ub274\uc800\uc9c0\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc0ac\uace0\ub85c \ubd80\uc0c1\uc744 \uc785\uc740 \ub9ce\uc740 \ubd84\ub4e4\uc774 \ubcd1\uc6d0\ube44\ub97c PIP(Personal Injury Protection)\ub85c \ucc98\ub9ac\ud55c \ub4a4\uc5d0\ub3c4, \uc815\uc791 \ud1b5\uc99d\u00b7\ubd88\ud3b8\ud568\u00b7\uc0b6\uc758 \uc9c8 \uc800\ud558\uc5d0 \ub300\ud55c \ubc30\uc0c1\uc740 \ubc1b\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc5d0 \ubd80\ub52a\ud799\ub2c8\ub2e4. \uadf8 \uc6d0\uc778\uc740 \ub300\ubd80\ubd84 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785 \uc2dc \uc120\ud0dd\ud55c &quot;Ver<\/p>\n","protected":false},"author":7,"featured_media":27436,"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":[356,388],"tags":[4912,4341,1075,4338,3152,4913,4914],"class_list":["post-27445","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category---columns","tag-aicra","tag-verbal-threshold","tag-traffic-accident","tag--pip","tag-3152","tag-4913","tag-4914"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ub274\uc800\uc9c0 Verbal Threshold \uc644\uc804 \ud574\uc124 \u2014 6\uac1c \ubd80\uc0c1 \uce74\ud14c\uace0\ub9ac\uc640 \uc18c\uc1a1 \uac00\ub2a5 \uc870\uac74 | Song Law Firm<\/title>\n<meta name=\"description\" content=\"\uc0c1\ud669 \uac1c\uc694 \ub274\uc800\uc9c0\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc0ac\uace0\ub85c \ubd80\uc0c1\uc744 \uc785\uc740 \ub9ce\uc740 \ubd84\ub4e4\uc774 \ubcd1\uc6d0\ube44\ub97c PIP(Personal Injury Protection)\ub85c \ucc98\ub9ac\ud55c \ub4a4\uc5d0\ub3c4, \uc815\uc791 \ud1b5\uc99d\u00b7\ubd88\ud3b8\ud568\u00b7\uc0b6\uc758 \uc9c8 \uc800\ud558\uc5d0 \ub300\ud55c \ubc30\uc0c1\uc740 \ubc1b\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc5d0 \ubd80\ub52a\ud799\ub2c8\ub2e4. \uadf8 \uc6d0\uc778\uc740 \ub300\ubd80\ubd84 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785 \uc2dc \uc120\ud0dd\ud55c &amp;quo\" \/>\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\/nj-verbal-threshold-2026-08-ko\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ub274\uc800\uc9c0 Verbal Threshold \uc644\uc804 \ud574\uc124 \u2014 6\uac1c \ubd80\uc0c1 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