{"id":22514,"date":"2025-06-21T10:14:46","date_gmt":"2025-06-21T14:14:46","guid":{"rendered":"https:\/\/songlawfirm.com\/%e5%8f%91%e7%94%9f%e8%bd%a6%e7%a5%b8%e5%8c%bb%e7%96%97%e8%b4%a6%e5%8d%95%e6%80%8e%e4%b9%88%e4%bb%98%ef%bc%9a%e7%ba%bd%e7%ba%a6%e6%96%b0%e6%b3%bd%e8%a5%bf%e5%af%b9%e6%af%94-pip%e4%b8%8e%e5%81%a5\/"},"modified":"2025-06-21T10:14:46","modified_gmt":"2025-06-21T14:14:46","slug":"%e5%8f%91%e7%94%9f%e8%bd%a6%e7%a5%b8%e5%8c%bb%e7%96%97%e8%b4%a6%e5%8d%95%e6%80%8e%e4%b9%88%e4%bb%98%ef%bc%9a%e7%ba%bd%e7%ba%a6%e6%96%b0%e6%b3%bd%e8%a5%bf%e5%af%b9%e6%af%94-pip%e4%b8%8e%e5%81%a5","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/%e5%8f%91%e7%94%9f%e8%bd%a6%e7%a5%b8%e5%8c%bb%e7%96%97%e8%b4%a6%e5%8d%95%e6%80%8e%e4%b9%88%e4%bb%98%ef%bc%9a%e7%ba%bd%e7%ba%a6%e6%96%b0%e6%b3%bd%e8%a5%bf%e5%af%b9%e6%af%94-pip%e4%b8%8e%e5%81%a5\/","title":{"rendered":"\u53d1\u751f\u8f66\u7978\u533b\u7597\u8d26\u5355\u600e\u4e48\u4ed8\uff1a\u7ebd\u7ea6\u65b0\u6cfd\u897f\u5bf9\u6bd4-PIP\u4e0e\u5065\u5eb7\u4fdd\u9669"},"content":{"rendered":"

\u5728\u65b0\u6cfd\u897f\u5dde\u6216\u7ebd\u7ea6\u5dde\u53d1\u751f\u8f66\u7978\u540e\uff0c\u4e86\u89e3\u533b\u7597\u8d39\u7528\u5c06\u7531\u54ea\u79cd\u4fdd\u9669\u627f\u62c5\u81f3\u5173\u91cd\u8981\u3002\u8fd9\u4e24\u4e2a\u5dde\u90fd\u5b9e\u884c\u65e0\u8fc7\u9519\u4fdd\u9669\uff08<\/strong>No-Fault Insurance<\/strong>\uff09\u5236\u5ea6<\/strong>\uff0c\u610f\u5473\u7740\u65e0\u8bba\u4e8b\u6545\u8d23\u4efb\u65b9\u662f\u8c01\uff0c\u60a8\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684\u4eba\u8eab\u4f24\u5bb3\u4fdd\u62a4\uff08PIP\uff09\u5c06\u9996\u5148\u652f\u4ed8\u60a8\u7684\u533b\u7597\u8d39\u7528\u3002<\/p>\n

\u4e0d\u8fc7\uff0c\u65b0\u6cfd\u897f\u5dde\u5141\u8bb8\u8f66\u4e3b\u5728\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\u65f6\u9009\u62e9\u662f\u5426\u4f7f\u7528\u79c1\u4eba\u5065\u5eb7\u4fdd\u9669<\/strong>\u4f5c\u4e3a\u533b\u7597\u8d39\u7528\u7684\u4e3b\u8981\u652f\u4ed8\u6765\u6e90<\/strong>\u3002\u6839\u636e\u60a8\u6240\u9009\u62e9\u7684\u4fdd\u969c\u65b9\u5f0f\uff0c\u4fdd\u969c\u8303\u56f4\u3001\u514d\u8d54\u989d\u3001\u81ea\u4ed8\u6bd4\u4f8b\u4ee5\u53ca\u8ffd\u507f\u6743\u7b49\u65b9\u9762\u53ef\u80fd\u4f1a\u6709\u663e\u8457\u5dee\u5f02\u3002\u672c\u6587\u6df1\u5ea6\u6bd4\u8f83\u4e86\u65b0\u6cfd\u897f\u4e0e\u7ebd\u7ea6PIP\u4e0e\u5065\u5eb7\u4fdd\u9669\u7684\u8fd0\u4f5c\u65b9\u5f0f\uff0c\u5305\u62ec\u76f8\u5173\u6cd5\u5f8b\u89c4\u5b9a\u53ca\u5b9e\u9645\u8003\u91cf\uff0c\u5e2e\u52a9\u8bfb\u8005\u5728\u4e8b\u6545\u540e\u505a\u51fa\u660e\u667a\u51b3\u7b56\u3002<\/p>\n

\u65b0\u6cfd\u897f\u5dde\uff1a\u8f66\u4e3b\u53ef\u9009\u62e9\uff0c<\/strong>PIP<\/strong>\u4fdd\u969c\u8303\u56f4\u5e7f\u6cdb<\/strong><\/h6>\n

\u5728\u65b0\u6cfd\u897f\u5dde\u7684\u6807\u51c6\u6c7d\u8f66\u4fdd\u9669\u4fdd\u5355\u4e2d\uff0cPIP\u53ef\u4e3a\u6bcf\u4f4d\u4e8b\u6545\u53d7\u5bb3\u8005\u63d0\u4f9b\u9ad8\u8fbe25<\/strong>\u4e07\u7f8e\u5143<\/strong>\u7684\u533b\u7597\u8d39\u7528\u4fdd\u969c\uff0c\u5305\u62ec\u4f4f\u9662\u3001\u624b\u672f\u3001\u95e8\u8bca\u548c\u5eb7\u590d\u7b49\u3002\u6b64\u5916\uff0cPIP\u8fd8\u53ef\u63d0\u4f9b\u7ea61<\/strong>\u4e07\u7f8e\u5143<\/strong>\u7684\u5176\u4ed6\u635f\u5931\u8d54\u507f\uff0c\u4f8b\u5982\u8bef\u5de5\u635f\u5931\u3001\u5bb6\u5ead\u7167\u6599\u670d\u52a1\u53ca\u4e27\u846c\u8d39\u7528\u3002<\/p>\n

\u8f66\u4e3b\u5728\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\u65f6\uff0c\u53ef\u4ee5\u9009\u62e9\u4ee5PIP<\/strong>\u4e3a\u4e3b<\/strong>\u6216\u4f7f\u7528\u5065\u5eb7\u4fdd\u9669\u4e3a\u4e3b<\/strong>\u3002\u5982\u679c\u9009\u62e9\u540e\u8005\uff0c\u8f66\u7978\u540e\u7684\u533b\u7597\u8d26\u5355\u9700\u9996\u5148\u63d0\u4ea4\u81f3\u5065\u5eb7\u4fdd\u9669\u516c\u53f8\u3002\u53ea\u6709\u5065\u5eb7\u4fdd\u9669\u4e0d\u4e88\u8d54\u4ed8\u7684\u90e8\u5206\uff0c\u624d\u53ef\u63d0\u4ea4\u7ed9\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\uff0c\u7531PIP\u8fdb\u884c\u4e8c\u6b21\u7406\u8d54\u3002<\/p>\n

\u7136\u800c\uff0c\u5fc5\u987b\u5728\u4e8b\u6545\u53d1\u751f\u65f6\u6301\u6709\u6709\u6548\u7684\u5065\u5eb7\u4fdd\u9669<\/strong>\uff0c\u4e14\u8be5\u4fdd\u5355\u4e0d\u5f97\u660e\u786e\u6392\u9664\u8f66\u7978\u76f8\u5173\u6cbb\u7597<\/strong>\u3002\u5426\u5219\uff0c\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u5c06\u81ea\u52a8\u5c06PIP\u4f5c\u4e3a\u4e3b\u8981\u652f\u4ed8\u65b9\uff0c\u5e76\u89c4\u5b9a$750\u514d\u8d54\u989d\u3002<\/p>\n

\u7531\u4e8e\u53ef\u80fd\u5b58\u5728\u6cbb\u7597\u5ef6\u8bef\u3001\u81ea\u8d39\u589e\u52a0\u53ca\u4fdd\u969c\u7a7a\u7f3a\u7b49\u95ee\u9898\uff0c\u8bb8\u591a\u8f66\u4e3b\u4ecd\u503e\u5411\u4e8e\u5c06PIP\u9009\u62e9\u4e3a\u4e3b\u8981\u4fdd\u9669\u3002<\/p>\n

\u7ebd\u7ea6\u5dde\uff1a\u6cd5\u5f8b\u89c4\u5b9a<\/strong>PIP<\/strong>\u59cb\u7ec8\u4e3a\u4e3b<\/strong><\/h6>\n

\u5728\u7ebd\u7ea6\u5dde\uff0c\u6cd5\u5f8b\u89c4\u5b9aPIP<\/strong>\u5fc5\u987b\u4f5c\u4e3a\u8f66\u7978\u6cbb\u7597\u7684\u9996\u8981\u4fdd\u9669<\/strong>\uff0c\u4e0d\u5141\u8bb8\u8f66\u4e3b\u9009\u62e9\u5065\u5eb7\u4fdd\u9669\u4e3a\u4e3b\u3002PIP\u901a\u5e38\u4e3a\u6bcf\u4f4d\u4e8b\u6545\u53d7\u5bb3\u8005\u63d0\u4f9b\u6700\u591a$50,000\u7684\u57fa\u672c\u7ecf\u6d4e\u635f\u5931\u8d54\u507f\uff0c\u5305\u62ec\u533b\u7597\u8d39\u7528\u3001\u5eb7\u590d\u8d39\u7528\u3001\u8bef\u5de5\u8865\u507f\uff08\u630980%\uff0c\u6bcf\u6708\u6700\u9ad8$2,000\uff0c\u6700\u957f\u4e09\u5e74\uff09\uff0c\u4ee5\u53ca\u6bcf\u5929$25\u7684\u6742\u8d39\u8865\u507f\uff08\u6700\u957f\u4e00\u5e74\uff09\u3002<\/p>\n

\u5065\u5eb7\u4fdd\u9669\u4ec5\u5728PIP\u9650\u989d\u7528\u5c3d\u540e\u4f5c\u4e3a\u4e8c\u6b21\u652f\u4ed8\u6765\u6e90\u3002\u8bb8\u591a\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u660e\u786e\u5728PIP\u4ecd\u751f\u6548\u65f6\u6392\u9664\u8f66\u7978\u4f24\u5bb3\u7684\u7406\u8d54\u8d23\u4efb<\/strong>\u3002<\/p>\n

\u6b64\u5916\uff0c\u5982\u679c\u53d7\u5bb3\u8005\u5e0c\u671b\u8ffd\u6c42\u7cbe\u795e\u635f\u5931\u6216\u75db\u82e6\u8d54\u507f\u7b49\u975e\u7ecf\u6d4e\u635f\u5931<\/strong>\uff0c\u5219\u5fc5\u987b\u7b26\u5408\u7ebd\u7ea6\u5dde\u6cd5\u5f8b\u89c4\u5b9a\u7684\u4e25\u683c\u201c\u4e25\u91cd\u4f24\u5bb3<\/strong>\u201d\u95e8\u69db\u3002<\/p>\n

\u7d22\u8d54\u7a0b\u5e8f\u53ca\u4fdd\u9669\u95f4\u534f\u8c03<\/strong><\/h6>\n

\u5728\u65b0\u6cfd\u897f\uff0c\u7406\u8d54\u6d41\u7a0b\u6839\u636e\u8f66\u4e3b\u9009\u62e9\u7684\u4e3b\u8981\u4fdd\u9669\u800c\u5f02\uff1a<\/p>\n

    \n
  • \u5982\u679c\u4ee5PIP<\/strong>\u4e3a\u4e3b<\/strong>\uff0c\u533b\u7597\u63d0\u4f9b\u8005\u76f4\u63a5\u5411\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u63d0\u4ea4\u8d26\u5355\uff0c\u5065\u5eb7\u4fdd\u9669\u516c\u53f8\u4e0d\u4f1a\u4ecb\u5165\uff1b<\/li>\n
  • \u5982\u679c\u4ee5\u5065\u5eb7\u4fdd\u9669\u4e3a\u4e3b<\/strong>\uff0c\u533b\u7597\u8d26\u5355\u5fc5\u987b\u9996\u5148\u63d0\u4ea4\u7ed9\u5065\u5eb7\u4fdd\u9669\u516c\u53f8\uff0c\u4e4b\u540e\u7531PIP\u4f5c\u4e3a\u6b21\u8981\u4fdd\u9669\u652f\u4ed8\u672a\u62a5\u9500\u90e8\u5206\uff08\u5982\u62d2\u8d54\u9879\u3001\u81ea\u4ed8\u989d\u7b49\uff09\u3002\u6b64\u6d41\u7a0b\u9700\u7cbe\u786e\u7684\u6587\u4ef6\u548c\u534f\u8c03\uff0c\u624d\u80fd\u907f\u514d\u7d22\u8d54\u9057\u6f0f\u3002<\/li>\n<\/ul>\n

    \u5728\u7ebd\u7ea6\uff0c\u65e0\u9700\u505a\u51fa\u9009\u62e9\u3002\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u5fc5\u987b\u572830<\/strong>\u5929\u5185\u63d0\u4ea4\u65e0\u8fc7\u9519\u7d22\u8d54\u7533\u8bf7\uff08<\/strong>NF-2<\/strong>\u8868\uff09<\/strong>\u3002\u533b\u7597\u8d39\u7528\u5c06\u7531PIP\u81ea\u52a8\u652f\u4ed8\uff0c\u9664\u975ePIP\u989d\u5ea6\u7528\u5c3d\u6216\u670d\u52a1\u672a\u88abPIP\u6db5\u76d6\uff0c\u6b64\u65f6\u624d\u7531\u5065\u5eb7\u4fdd\u9669\u4ecb\u5165\u3002<\/p>\n

     <\/p>\n

    \u8ffd\u507f\u6743\uff08<\/strong>Subrogation<\/strong>\uff09\u4e0e\u6cd5\u5f8b\u8d54\u507f\u95ee\u9898<\/strong><\/h6>\n

    \u5728\u65b0\u6cfd\u897f\u548c\u7ebd\u7ea6\uff0cPIP\u4fdd\u9669\u516c\u53f8\u5728\u6cd5\u5f8b\u4e0a\u53d7\u9650\u4e8e\u8ffd\u507f\u6743<\/strong>\u3002\u5373\u4fbf\u4e8b\u6545\u53d7\u5bb3\u8005\u65e5\u540e\u83b7\u5f97\u4e86\u5bf9\u8087\u4e8b\u8005\u7684\u8d54\u507f\u6216\u6cd5\u9662\u5224\u51b3\uff0cPIP\u4fdd\u9669\u516c\u53f8\u4e5f\u65e0\u6743\u8ffd\u56de<\/strong>\u5176\u5df2\u652f\u4ed8\u7684\u6b3e\u9879\u3002\u8fd9\u9879\u6cd5\u5f8b\u4fdd\u62a4\u65e8\u5728\u9632\u6b62\u53d7\u5bb3\u4eba\u8d54\u507f\u91d1\u88ab\u593a\u56de\uff0c\u662f\u4f7f\u7528PIP\u7684\u4e00\u5927\u4f18\u52bf\u3002<\/p>\n

    \u76f8\u8f83\u4e4b\u4e0b\uff0c\u5065\u5eb7\u4fdd\u9669\u516c\u53f8\uff08\u7279\u522b\u662f\u8054\u90a6\u533b\u7597\u4fdd\u9669<\/strong>Medicare<\/strong>\u3001\u5dde\u533b\u7597\u8865\u52a9<\/strong>Medicaid<\/strong>\u548c\u79c1\u4eba\u5065\u5eb7\u8ba1\u5212\uff09\u901a\u5e38\u62e5\u6709\u8ffd\u507f\u6743\u3002\u4e00\u65e6\u83b7\u5f97\u7b2c\u4e09\u65b9\u548c\u89e3\u91d1\uff0c\u5065\u5eb7\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u8981\u6c42\u90e8\u5206\u6216\u5168\u90e8\u62a5\u9500\u5df2\u652f\u4ed8\u8d39\u7528<\/strong>\u3002\u56e0\u6b64\uff0c\u5982\u679c\u533b\u7597\u8d39\u7528\u7531\u5065\u5eb7\u4fdd\u9669\u652f\u4ed8\uff0c\u53d7\u5bb3\u4eba\u6216\u5176\u5f8b\u5e08\u901a\u5e38\u9700\u8981\u5728\u8fbe\u6210\u548c\u89e3\u524d\u8c08\u5224\u51cf\u514d\u8be5\u90e8\u5206\u8ffd\u507f\u91d1\u989d<\/strong>\u3002<\/p>\n

    \u6848\u4f8b\u5206\u6790\uff1a<\/strong>$30,000<\/strong>\u533b\u7597\u8d26\u5355<\/strong><\/p>\n

      \n
    • \u5728\u65b0\u6cfd\u897f\uff0c\u5982\u679c<\/strong>PIP<\/strong>\u4e3a\u4e3b<\/strong>\uff0c\u51e0\u4e4e\u5168\u90e8$30,000\u7684\u8d39\u7528\u5c06\u7531\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\uff0c\u4ec5\u9700\u627f\u62c5\u6240\u9009\u514d\u8d54\u989d\u548c\u5c11\u91cf\u81ea\u4ed8\u8d39\u7528\u3002\u6d41\u7a0b\u7b80\u5355\uff0c\u7531\u533b\u7597\u673a\u6784\u76f4\u63a5\u5411\u4fdd\u9669\u516c\u53f8\u5f00\u5355\u3002<\/li>\n
    • \u5982\u679c\u5065\u5eb7\u4fdd\u9669\u4e3a\u4e3b<\/strong>\uff0c\u53d7\u4f24\u8005\u9700\u5148\u652f\u4ed8\u5065\u5eb7\u4fdd\u9669\u7684\u514d\u8d54\u989d\uff08\u5982$2,000\uff09\u548c\u81ea\u4ed8\u6bd4\u4f8b\uff08\u598220%\uff09\uff0c\u518d\u5411PIP\u7533\u8bf7\u5269\u4f59\u90e8\u5206\u7684\u8865\u507f\u3002\u8fd9\u53ef\u80fd\u4f1a\u9020\u6210\u73b0\u91d1\u6d41\u538b\u529b\u5e76\u589e\u52a0\u7a0b\u5e8f\u590d\u6742\u5ea6\u3002<\/li>\n
    • \u5728\u7ebd\u7ea6\uff0c\u65e0\u9009\u62e9\u7a7a\u95f4<\/strong>\uff0c\u6574\u4e2a$30,000\u5c06\u7531PIP\u652f\u4ed8\uff08\u524d\u63d0\u662f\u53ca\u65f6\u63d0\u4ea4\u7d22\u8d54\u7533\u8bf7\u4e14\u6cbb\u7597\u9879\u76ee\u83b7\u6279\uff09\u3002\u81ea\u8d39\u91d1\u989d\u6781\u4f4e\u3002\u4f46\u82e5\u533b\u7597\u8d39\u7528\u603b\u989d\u8d85\u8fc7$50,000\uff0c\u60a3\u8005\u5219\u9700\u4f9d\u8d56\u5065\u5eb7\u4fdd\u9669\u6216\u5176\u4ed6\u65b9\u5f0f\u652f\u4ed8\u8d85\u989d\u90e8\u5206\u3002<\/li>\n<\/ul>\n

      \u603b\u7ed3\u5efa\u8bae<\/strong><\/p>\n

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