{"id":27712,"date":"2026-08-18T10:30:00","date_gmt":"2026-08-18T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=27712"},"modified":"2026-08-18T10:30:00","modified_gmt":"2026-08-18T14:30:00","slug":"nj-medpay-vs-pip-2026-08-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/nj-medpay-vs-pip-2026-08-ko\/","title":{"rendered":"MedPay vs PIP \u2014 \ub274\uc800\uc9c0 \uc790\ub3d9\ucc28 \uc0ac\uace0 \uc758\ub8cc\ube44 \ucee4\ubc84\ub9ac\uc9c0 \uc644\uc804 \uc815\ub9ac"},"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<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \uc0c1\ud669 \uac1c\uc694<\/p>\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 \uc6b4\uc804\uc790\u00b7\ub3d9\uc2b9\uc790\u00b7\ubcf4\ud589\uc790\ub294 \ubcd1\uc6d0 \uc751\uae09\uc2e4\uc5d0 \ub3c4\ucc29\ud558\ub294 \uc21c\uac04\ubd80\ud130 \uc758\ub8cc\ube44 \uccad\uad6c \uacbd\ub85c\ub97c \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9ce\uc740 \ubd84\ub4e4\uc774 \uac74\uac15\ubcf4\ud5d8\ub9cc \uc788\uc73c\uba74 \ucda9\ubd84\ud558\ub2e4\uace0 \uc0dd\uac01\ud558\uc9c0\ub9cc, \ub274\uc800\uc9c0\ub294 \ub178\ud3f4\ud2b8(No-Fault) \uc8fc\uc774\uae30 \ub54c\ubb38\uc5d0 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 PIP(Personal Injury Protection)\uac00 \uba3c\uc800 \uac1c\uc785\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 MedPay(Medical Payments Coverage)\ub77c\ub294 \ubcc4\ub3c4 \ud2b9\uc57d\uc774 \uc788\ub294 \uacbd\uc6b0, \ub450 \ucee4\ubc84\ub9ac\uc9c0\uc758 \uc6b0\uc120\uc21c\uc704\uc640 \uccad\uad6c \uc808\ucc28\ub97c \uc815\ud655\ud788 \uc54c\uc544\uc57c \ubcf8\uc778 \ubd80\ub2f4(deductible\u00b7copay)\uc744 \ucd5c\uc18c\ud654\ud558\uace0 \ud5a5\ud6c4 \uc190\ud574\ubc30\uc0c1 \uccad\uad6c\uc5d0\uc11c \ubd88\ub9ac\ud55c \uc0c1\ud669\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \ubc95\ub960\uc801 \uac1c\ub150<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">PIP\ub294 \ub274\uc800\uc9c0\uc8fc\ubc95 N.J.S.A. 39:6A-4\uc5d0 \ub530\ub77c \uc758\ubb34 \uac00\uc785\ub418\ub294 \ub178\ud3f4\ud2b8 \ucee4\ubc84\ub9ac\uc9c0\ub85c, \uacfc\uc2e4 \uc720\ubb34\uc640 \ubb34\uad00\ud558\uac8c \ubcf8\uc778\u00b7\uac00\uc871\u00b7\ub3d9\uc2b9\uc790\uc758 \uc758\ub8cc\ube44, \uc784\uae08 \uc190\uc2e4 \uc77c\ubd80, \ud544\uc218 \uc11c\ube44\uc2a4 \ube44\uc6a9\uc744 \uc9c0\uae09\ud569\ub2c8\ub2e4. \ubc18\uba74 MedPay\ub294 \uc120\ud0dd \ud2b9\uc57d(optional)\uc73c\ub85c, \uc624\uc9c1 \ud569\ub9ac\uc801\uc774\uace0 \ud544\uc694\ud55c \uc758\ub8cc\ube44\ub9cc \uc9c0\uae09\ud558\uba70 \uc784\uae08 \uc190\uc2e4\uc774\ub098 \uc0ac\ub9dd \ubcf4\uc0c1\uc740 \ud3ec\ud568\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. PIP\uac00 \ub178\ud3f4\ud2b8 \uc2dc\uc2a4\ud15c\uc758 \ud575\uc2ec\uc774\ub77c\uba74, MedPay\ub294 PIP\uc758 \uacf5\uc81c\uc561\uc774\ub098 \ubbf8\ubcf4\uc0c1 \ubd80\ubd84\uc744 \uba54\uc6b0\ub294 \ubcf4\uc644\uc801 \uc131\uaca9\uc744 \uac00\uc9d1\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \ub274\uc800\uc9c0 \uaddc\uc815<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0 \ud45c\uc900 \uc790\ub3d9\ucc28 \ubcf4\ud5d8(Standard Policy)\uc758 PIP \uae30\ubcf8 \ud55c\ub3c4\ub294 $250,000\uc774\uba70, \uac00\uc785\uc790\uac00 \ubcf4\ud5d8\ub8cc \uc808\uac10\uc744 \uc704\ud574 \ub0ae\uc740 \ud55c\ub3c4\ub85c \uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. MedPay\ub294 \ub300\uac1c \uc18c\uc561 \ud55c\ub3c4\ub85c \ubcc4\ub3c4 \uad6c\ub9e4\ud569\ub2c8\ub2e4. \ub450 \ucee4\ubc84\ub9ac\uc9c0\uac00 \ubaa8\ub450 \uc788\uc744 \uacbd\uc6b0 \uc6d0\uce59\uc801\uc73c\ub85c PIP\uac00 1\ucc28(primary) \uc9c0\uae09\uc790\uc774\uba70, MedPay\ub294 PIP \uacf5\uc81c\uc561\u00b7\ubcf8\uc778\ubd80\ub2f4\ubd84\uc744 \ubcf4\ucda9\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uc791\ub3d9\ud569\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8 \uc6b0\uc120(Health Primary) \uc635\uc158\uc744 \uc120\ud0dd\ud55c \uac00\uc785\uc790\ub294 \uac74\uac15\ubcf4\ud5d8\uc774 \uba3c\uc800 \uc9c0\uae09\ud558\uace0 PIP\ub294 \ubcf4\ucda9 \uc5ed\ud560\uc744 \ud558\uc9c0\ub9cc, \uc774 \uacbd\uc6b0\uc5d0\ub3c4 MedPay\uc640\uc758 \uc870\uc815 \uaddc\uce59\uc740 \uacc4\uc57d\uc11c\uc5d0 \uba85\uc2dc\ub41c \ub300\ub85c \ub530\ub77c\uc57c \ud569\ub2c8\ub2e4. \uc5b8\uc5b4 \ubb38\ud131(Verbal Threshold)\uc744 \uc120\ud0dd\ud55c \uacbd\uc6b0 \uc2e0\uccb4 \uc190\ud574\ubc30\uc0c1 \uccad\uad6c \uc694\uac74\uc774 \ub2ec\ub77c\uc9c0\uc9c0\ub9cc, PIP\u00b7MedPay \uc758\ub8cc\ube44 \uccad\uad6c \uc790\uccb4\ub294 \uadf8\ub300\ub85c \uc720\uc9c0\ub429\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \uc2e4\uc804 \ub300\uc751<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0ac\uace0 \uc9c1\ud6c4 \uc751\uae09\uc2e4 \uc811\uc218 \uc2dc \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc815\ubcf4\ub97c \ubc18\ub4dc\uc2dc \uc81c\uc2dc\ud558\uace0, \uac74\uac15\ubcf4\ud5d8 \uce74\ub4dc\ub9cc \uc81c\uc2dc\ud558\uc9c0 \ub9c8\uc2ed\uc2dc\uc624. \uc0ac\uace0 \ud6c4 \ud1b5\uc0c1 30\uc77c \uc774\ub0b4\uc5d0 PIP \uc2e0\uccad\uc11c(Application for PIP Benefits)\ub97c \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc0ac\uc5d0 \uc81c\ucd9c\ud574\uc57c \ud558\uba70, \uc758\ub8cc\uc81c\uacf5\uc790\ub294 DPP(Decision Point Review Plan)\u00b7\uc0ac\uc804\uc2b9\uc778 \uc808\ucc28\ub97c \uc900\uc218\ud574\uc57c \uc9c0\uae09\uc774 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. MedPay\uac00 \uc788\ub2e4\uba74 PIP \uacf5\uc81c\uc561 \uccad\uad6c \uc2dc \ud568\uaed8 \uc2e0\uccad\ud558\uace0, \uccad\uad6c \uc11c\ub958\u00b7\uc9c4\ub8cc \uae30\ub85d\u00b7\ucc98\ubc29\uc804 \uc0ac\ubcf8\uc744 \ubcc4\ub3c4\ub85c \ubcf4\uad00\ud558\uc138\uc694. \uc0c1\ud574 \uc815\ub3c4\uac00 \ud06c\uac70\ub098 \uc0c1\ub300 \uacfc\uc2e4\uc774 \uba85\ud655\ud55c \uacbd\uc6b0, \ub2f4\ub2f9 \ubcc0\ud638\uc0ac\uc640 \uc0c1\ub2f4 \ubb38\uc758\ub97c \ud1b5\ud574 \ub300\uc778\ubc30\uc0c1(Bodily Injury Liability) \uccad\uad6c\uc640\uc758 \uc870\uc728 \ubc29\uc548\uc744 \ubbf8\ub9ac \uc815\ub9ac\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;\">## \ud754\ud55c \uc624\ud574<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uccab\uc9f8, &quot;\uac74\uac15\ubcf4\ud5d8\uc774 \uc788\uc73c\ub2c8 PIP\ub294 \ud544\uc694 \uc5c6\ub2e4&quot;\ub294 \uc0dd\uac01\uc740 \uc704\ud5d8\ud569\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8 \uc6b0\uc120 \uc635\uc158\uc774\ub77c\ub3c4 \uc790\ub3d9\ucc28 \uc0ac\uace0 \uad00\ub828 \uc7ac\ud65c\u00b7MRI\u00b7\ubb3c\ub9ac\uce58\ub8cc\ub294 \uac74\uac15\ubcf4\ud5d8\uc774 \uac70\ubd80\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ub458\uc9f8, MedPay\uc640 PIP\ub97c \uc911\ubcf5 \uccad\uad6c\ud574 \uc774\uc911 \uc218\ub839\ud560 \uc218 \uc788\ub2e4\ub294 \uc624\ud574\uac00 \uc788\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uc870\uc815 \uaddc\uc815\uc5d0 \ub530\ub77c \ucd1d \uc9c0\uae09\uc561\uc774 \uc2e4\ube44\ub97c \ucd08\uacfc\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, PIP \uc9c0\uae09\uc744 \ubc1b\uc73c\uba74 \uc0c1\ub300\ubc29\uc5d0\uac8c \uccad\uad6c\ud560 \uc218 \uc5c6\ub2e4\ub294 \uac83\ub3c4 \uc0ac\uc2e4\uc774 \uc544\ub2c8\uba70, \ub274\uc800\uc9c0\ubc95\uc0c1 PIP \ud56d\ubaa9 \uc911 \uc758\ub8cc\ube44 \ubcf8\uc778\uc740 \ub300\uc778\ubc30\uc0c1 \uc18c\uc1a1\uc5d0\uc11c \uc774\uc911 \uccad\uad6c\uac00 \uc81c\ud55c\ub420 \ubfd0, \uc784\uae08 \uc190\uc2e4\u00b7\ud1b5\uc99d \ub4f1 \ub098\uba38\uc9c0\ub294 \uccad\uad6c \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \ud575\uc2ec \uc815\ub9ac<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">PIP\ub294 \ub274\uc800\uc9c0\uc758 \uc758\ubb34 \ub178\ud3f4\ud2b8 \ucee4\ubc84\ub9ac\uc9c0\uc774\uba70 MedPay\ub294 \uc120\ud0dd\uc801 \ubcf4\uc644 \ucee4\ubc84\ub9ac\uc9c0\uc785\ub2c8\ub2e4. \uc6d0\uce59\uc801\uc73c\ub85c PIP\uac00 1\ucc28 \uc9c0\uae09\uc790\uc774\uace0 MedPay\ub294 \uacf5\uc81c\uc561\u00b7\ubbf8\ubcf4\uc0c1 \ubd80\ubd84\uc744 \uba54\uc6b0\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc0ac\uace0 \ud6c4 30\uc77c \uc774\ub0b4 \uc2e0\uccad, \uc758\ub8cc\uc81c\uacf5\uc790\uc758 \uc0ac\uc804\uc2b9\uc778 \uc900\uc218, \ub300\uc704\ubcc0\uc81c(subrogation) \uc870\ud56d \ud655\uc778\uc774 \uc2e4\ubb34\uc758 \ud575\uc2ec\uc785\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<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**Q1. MedPay\ub9cc \uc788\uace0 PIP\uac00 \uc5c6\uc744 \uc218 \uc788\ub098\uc694?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0 \ub4f1\ub85d \ucc28\ub7c9\uc740 PIP \uac00\uc785\uc774 \ubc95\uc801 \uc758\ubb34\uc774\ubbc0\ub85c MedPay\ub9cc \ub2e8\ub3c5\uc73c\ub85c \uc874\uc7ac\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ud0c0\uc8fc \ub4f1\ub85d \ucc28\ub7c9\uc774\ub098 \ud2b9\uc218 \uc0c1\ud669\uc5d0\uc11c\ub9cc \uc608\uc678\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**Q2. PIP \uccad\uad6c \uc2dc\ud55c\uc744 \ub193\uce58\uba74 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uace0 \ud6c4 30\uc77c \uc774\ub0b4 \uc11c\uba74 \uc2e0\uccad\uc774 \uc6d0\uce59\uc774\uba70, \ubd80\ub4dd\uc774\ud55c \uc0ac\uc720\uac00 \uc788\uc744 \uacbd\uc6b0 \uc18c\uba85 \uc808\ucc28\ub97c \uac70\uccd0 \uc608\uc678\uc801\uc73c\ub85c \uc778\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uccb4 \uc5c6\uc774 \uc0c1\ub2f4 \ubb38\uc758\ub97c \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**Q3. \uc0c1\ub300 \uc6b4\uc804\uc790 \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \uc758\ub8cc\ube44\ub97c \ubc1b\uc73c\uba74 PIP\u00b7MedPay \ud658\uae09 \uc758\ubb34\uac00 \uc788\ub098\uc694?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc608, \ub300\uc704\ubcc0\uc81c(subrogation) \ubc0f \ubc18\ud658(reimbursement) \uc870\ud56d\uc5d0 \ub530\ub77c \uc774\uc911 \uc218\ub839\ubd84\uc740 \ubcf4\ud5d8\uc0ac\uc5d0 \ud658\uae09\ud574\uc57c \ud558\uba70, \uc2e4\uc81c \uc815\uc0b0\uc740 \ubcc0\ud638\uc0ac\uac00 \uc870\uc728\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**Q4. \ubcf4\ud589\uc790\u00b7\uc790\uc804\uac70 \uc774\uc6a9\uc790\ub3c4 PIP\u00b7MedPay\ub97c \ubc1b\uc744 \uc218 \uc788\ub098\uc694?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud53c\ud574 \ucc28\ub7c9\uc758 PIP \ucee4\ubc84\ub9ac\uc9c0\uc5d0 \ud574\ub2f9\ud558\ub294 \uacbd\uc6b0 \ubcf4\ud589\uc790\u00b7\uc790\uc804\uac70 \uc774\uc6a9\uc790\ub3c4 \uccad\uad6c \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\ubcc4 \uc0ac\uc2e4\uad00\uacc4 \ud655\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**Q5. \uc0c1\ub2f4\uc744 \ubb38\uc758\ud558\ub824\uba74?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc1a1\ub85c\ud38c \uc0c1\ud574\ud300\uc5d0 \uc5f0\ub77d\ud558\uc2dc\uba74 \ucd08\uae30 \uccad\uad6c\u00b7\uc758\ub8cc\ube44 \uc870\uc815\u00b7\ud569\uc758 \uc804\ub7b5\uc744 \ud568\uaed8 \uac80\ud1a0\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\": \"MedPay vs PIP \u2014 \ub274\uc800\uc9c0 \uc790\ub3d9\ucc28 \uc0ac\uace0 \uc758\ub8cc\ube44 \ucee4\ubc84\ub9ac\uc9c0 \uc644\uc804 \uc815\ub9ac\", \"description\": \"## \uc0c1\ud669 \uac1c\uc694 \ub274\uc800\uc9c0\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc0ac\uace0\ub85c \ubd80\uc0c1\uc744 \uc785\uc740 \uc6b4\uc804\uc790\u00b7\ub3d9\uc2b9\uc790\u00b7\ubcf4\ud589\uc790\ub294 \ubcd1\uc6d0 \uc751\uae09\uc2e4\uc5d0 \ub3c4\ucc29\ud558\ub294 \uc21c\uac04\ubd80\ud130 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\"+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 \uc6b4\uc804\uc790\u00b7\ub3d9\uc2b9\uc790\u00b7\ubcf4\ud589\uc790\ub294 \ubcd1\uc6d0 \uc751\uae09\uc2e4\uc5d0 \ub3c4\ucc29\ud558\ub294 \uc21c\uac04\ubd80\ud130 \uc758\ub8cc\ube44 \uccad\uad6c \uacbd\ub85c\ub97c \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9ce\uc740 \ubd84\ub4e4\uc774 \uac74\uac15\ubcf4\ud5d8\ub9cc \uc788\uc73c\uba74 \ucda9\ubd84\ud558\ub2e4\uace0 \uc0dd\uac01\ud558\uc9c0\ub9cc, \ub274\uc800\uc9c0\ub294 \ub178\ud3f4\ud2b8(No-Fault) 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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":[5151,2816,5152,4148,4339],"class_list":["post-27712","post","type-post","status-publish","format-standard","hentry","category-356","category---columns","tag-medpay","tag-pip","tag-5152","tag-4148","tag-4339"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>MedPay vs PIP \u2014 \ub274\uc800\uc9c0 \uc790\ub3d9\ucc28 \uc0ac\uace0 \uc758\ub8cc\ube44 \ucee4\ubc84\ub9ac\uc9c0 \uc644\uc804 \uc815\ub9ac | 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 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\ucee4\ubc84\ub9ac\uc9c0 \uc644\uc804 \uc815\ub9ac\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey\" \/>\n<meta property=\"og:url\" content=\"https:\/\/songlawfirm.com\/ko\/nj-medpay-vs-pip-2026-08-ko\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/songlawfirmllc\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-18T14:30:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/slf_og_1200x630.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Claude Marketing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/slf_og_1200x630.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claude Marketing\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/nj-medpay-vs-pip-2026-08-ko\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/nj-medpay-vs-pip-2026-08-ko\\\/\"},\"author\":{\"name\":\"Claude Marketing\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#\\\/schema\\\/person\\\/1db4c93b62802ad8db0a6ee498a2506d\"},\"headline\":\"MedPay vs PIP \u2014 \ub274\uc800\uc9c0 \uc790\ub3d9\ucc28 \uc0ac\uace0 \uc758\ub8cc\ube44 \ucee4\ubc84\ub9ac\uc9c0 \uc644\uc804 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