{"id":23172,"date":"2025-11-25T13:27:59","date_gmt":"2025-11-25T18:27:59","guid":{"rendered":"https:\/\/songlawfirm.com\/%e8%bf%bd%e5%b0%be%e4%ba%8b%e6%95%85%e4%b8%8e%e5%bb%b6%e8%bf%9f%e6%80%a7%e4%bc%a4%e5%ae%b3%ef%bc%9a%e4%b8%ba%e4%bb%80%e4%b9%88%e6%88%91%e6%b2%a1%e4%ba%8b%e5%8f%af%e8%83%bd%e4%bc%9a\/"},"modified":"2025-11-25T13:27:59","modified_gmt":"2025-11-25T18:27:59","slug":"%e8%bf%bd%e5%b0%be%e4%ba%8b%e6%95%85%e4%b8%8e%e5%bb%b6%e8%bf%9f%e6%80%a7%e4%bc%a4%e5%ae%b3%ef%bc%9a%e4%b8%ba%e4%bb%80%e4%b9%88%e6%88%91%e6%b2%a1%e4%ba%8b%e5%8f%af%e8%83%bd%e4%bc%9a","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/%e8%bf%bd%e5%b0%be%e4%ba%8b%e6%95%85%e4%b8%8e%e5%bb%b6%e8%bf%9f%e6%80%a7%e4%bc%a4%e5%ae%b3%ef%bc%9a%e4%b8%ba%e4%bb%80%e4%b9%88%e6%88%91%e6%b2%a1%e4%ba%8b%e5%8f%af%e8%83%bd%e4%bc%9a\/","title":{"rendered":"\u8ffd\u5c3e\u4e8b\u6545\u4e0e\u5ef6\u8fdf\u6027\u4f24\u5bb3\uff1a\u4e3a\u4ec0\u4e48\u201c\u6211\u6ca1\u4e8b\u201d\u53ef\u80fd\u4f1a\u4f24\u5bb3\u4f60\u7684\u6848\u4ef6"},"content":{"rendered":"<p>\u60f3\u8c61\u4e00\u4e0b\u8fd9\u6837\u7684\u60c5\u666f\uff1a<br \/>\n\u60a8\u5728\u7ebd\u74e6\u514b\uff08Newark\uff09\u6216\u7687\u540e\u533a\uff08Queens\uff09\u7684\u7ea2\u706f\u524d\u505c\u8f66\uff0c\u7a81\u7136\u4e00\u8f86\u8f66\u4ece\u540e\u65b9\u731b\u5730\u649e\u4e0a\u60a8\u7684\u8f66\u5c3e\u3002\u60a8\u53d7\u5230\u60ca\u5413\uff0c\u4f46\u68c0\u67e5\u540e\u4f3c\u4e4e\u6ca1\u53d7\u4f24\u3002\u8b66\u5bdf\u8d76\u5230\u3001\u4ea4\u6362\u4fdd\u9669\u4fe1\u606f\u540e\uff0c\u60a8\u51b3\u5b9a\u4e0d\u53bb\u533b\u9662\u3002\u770b\u8d77\u6765\u4e00\u5207\u90fd\u6ca1\u95ee\u9898\u2014\u2014\u76f4\u5230\u4e24\u5929\u540e\uff0c\u5267\u70c8\u7684\u75bc\u75db\u4ece\u9888\u90e8\u5ef6\u4f38\u5230\u80a9\u8180\u3002<br \/>\n\u6b64\u65f6\uff0c\u60a8\u4e0d\u4ec5\u8981\u9762\u5bf9\u533b\u7597\u8d26\u5355\u548c\u8bef\u5de5\u635f\u5931\uff0c\u8fd8\u5728\u7591\u60d1\uff1a<strong>\u8fd8\u80fd\u83b7\u5f97\u8d54\u507f\u5417\uff1f<\/strong><\/p>\n<p>\u8ffd\u5c3e\u4e8b\u6545\u662f\u7ebd\u7ea6\u548c\u65b0\u6cfd\u897f\u6700\u5e38\u89c1\u7684\u4ea4\u901a\u4e8b\u6545\u7c7b\u578b\u4e4b\u4e00\u3002<br \/>\n\u5373\u4fbf\u662f<strong>\u4f4e\u901f\u78b0\u649e<\/strong>\uff0c\u4e5f\u53ef\u80fd\u9020\u6210<strong>\u4e00\u5f00\u59cb\u4e0d\u660e\u663e\u7684\u4e25\u91cd\u4f24\u5bb3<\/strong>\u3002\u672c\u6587\u5c06\u89e3\u91ca\uff1a<br \/>\n\u4e3a\u4ec0\u4e48\u4f24\u75db\u4f1a\u5ef6\u8fdf\u51fa\u73b0\u3001\u4e3a\u4ec0\u4e48\u5ef6\u8fdf\u5c31\u533b\u4f1a\u5f71\u54cd\u7d22\u8d54\uff0c\u4ee5\u53ca\u60a8\u8be5\u5982\u4f55\u4fdd\u62a4\u5065\u5eb7\u4e0e\u6cd5\u5f8b\u6743\u76ca\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4e3a\u4ec0\u4e48\u4f24\u5bb3\u4f1a\u5728\u51e0\u5929\u540e\u624d\u51fa\u73b0\uff1f<\/strong><\/p>\n<p>\u8ffd\u5c3e\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u4eba\u4f53\u4f1a\u5206\u6ccc<strong>\u80be\u4e0a\u817a\u7d20<\/strong>\u548c<strong>\u5185\u5561\u80bd<\/strong>\u3002<br \/>\n\u8fd9\u4e9b\u201c\u6218\u6216\u9003\u201d\u6fc0\u7d20\u4f1a\u6682\u65f6<strong>\u63a9\u76d6\u75bc\u75db<\/strong>\uff0c\u8ba9\u60a8\u5728\u53d7\u4f24\u7684\u60c5\u51b5\u4e0b\u4ecd\u611f\u5230\u201c\u6ca1\u4e8b\u201d\u3002<br \/>\n\u4f46\u5728\u63a5\u4e0b\u6765\u7684\u6570\u5c0f\u65f6\u6216\u51e0\u5929\u91cc\uff0c<strong>\u708e\u75c7\u53cd\u5e94<\/strong>\u5f00\u59cb\u51fa\u73b0\uff0c\u808c\u8089\u6536\u7f29\u7d27\u7ef7\uff0c\u4f24\u60c5\u624d\u9010\u6e10\u663e\u73b0\u3002<br \/>\n\u5e38\u89c1\u7684\u5ef6\u8fdf\u6027\u4f24\u5bb3\u5305\u62ec\uff1a<\/p>\n<ul>\n<li><strong>\u9888\u690e\u7529\u97ad\u4f24\uff08<\/strong><strong>Whiplash<\/strong><strong>\uff09<\/strong>\uff1a<br \/>\n\u7a81\u7136\u7684\u524d\u540e\u6446\u52a8\u4f1a\u62c9\u4f38\u6216\u6495\u88c2\u9888\u90e8\u97e7\u5e26\uff0c\u5bfc\u81f4\u50f5\u786c\u3001\u5934\u75db\u6216\u5934\u6655\uff0c\u75c7\u72b6\u53ef\u80fd\u6570\u5929\u540e\u52a0\u91cd\u3002<\/li>\n<li><strong>\u690e\u95f4\u76d8\u635f\u4f24<\/strong>\uff1a<br \/>\n\u8ffd\u5c3e\u51b2\u51fb\u53ef\u80fd\u9020\u6210\u810a\u67f1\u690e\u95f4\u76d8\u81a8\u51fa\u6216\u7a81\u51fa\uff0c\u5f15\u8d77\u9ebb\u6728\u3001\u523a\u75db\u6216\u653e\u5c04\u6027\u75bc\u75db\uff0c\u9010\u6e10\u663e\u73b0\u3002<\/li>\n<li><strong>\u8111\u9707\u8361\uff08\u8f7b\u5ea6\u521b\u4f24\u6027\u8111\u635f\u4f24\uff09<\/strong>\uff1a<br \/>\n\u53ef\u80fd\u5f15\u53d1\u5934\u75db\u3001\u89c6\u7ebf\u6a21\u7cca\u6216\u8bb0\u5fc6\u95ee\u9898\uff0c\u4f46\u901a\u5e38\u8981\u6570\u5c0f\u65f6\u540e\u624d\u51fa\u73b0\u75c7\u72b6\u3002<\/li>\n<li><strong>\u8f6f\u7ec4\u7ec7\u4e0e\u97e7\u5e26\u635f\u4f24<\/strong>\uff1a<br \/>\n\u626d\u4f24\u548c\u62c9\u4f24\u5f80\u5f80\u5728\u6570\u5929\u540e\u6076\u5316\uff0c\u521d\u6b21\u6025\u8bca\u65f6\u53ef\u80fd\u88ab\u9057\u6f0f\u3002<\/li>\n<\/ul>\n<p>\u6025\u8bca\u5ba4\u4e3b\u8981\u5173\u6ce8<strong>\u5371\u53ca\u751f\u547d\u7684\u4f24\u60c5<\/strong>\u3002\u5982\u679c\u6ca1\u6709\u660e\u663e\u9aa8\u6298\u6216\u51fa\u8840\uff0c\u533b\u751f\u53ef\u80fd\u4f1a\u8ba9\u60a8\u79bb\u5f00\uff0c<br \/>\n\u4f46\u4e00\u4e9b\u9690\u6027\u4f24\u5bb3\u65e0\u6cd5\u7acb\u523b\u53d1\u73b0\u3002<br \/>\n\u56e0\u6b64\uff0c\u5373\u4f7f\u60a8\u201c\u89c9\u5f97\u6ca1\u4e8b\u201d\uff0c\u4e5f\u5e94\u5728 <strong>24\u201348 <\/strong><strong>\u5c0f\u65f6\u5185<\/strong> \u9884\u7ea6<strong>\u5bb6\u5ead\u533b\u751f\u6216\u4e13\u79d1\u533b\u751f<\/strong>\u590d\u67e5\u3002<br \/>\n\u65e9\u671f\u8bca\u65ad\u4e0d\u4ec5\u80fd\u53d1\u73b0\u666e\u901a X \u5149\u65e0\u6cd5\u68c0\u6d4b\u7684\u4f24\u60c5\uff0c\u8fd8\u80fd\u5728\u75c7\u72b6\u6076\u5316\u524d\u5f00\u59cb\u6cbb\u7597\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4e3a\u4ec0\u4e48\u5c3d\u65e9\u6cbb\u7597\u5728\u6cd5\u5f8b\u4e0a\u540c\u6837\u91cd\u8981<\/strong><\/p>\n<p>\u7ebd\u7ea6\u548c\u65b0\u6cfd\u897f\u90fd\u662f<strong>\u65e0\u8fc7\u9519\u4fdd\u9669\u5dde\uff08<\/strong><strong>No-Fault States<\/strong><strong>\uff09<\/strong>\u3002<br \/>\n\u8fd9\u610f\u5473\u7740\u65e0\u8bba\u4e8b\u6545\u8d23\u4efb\u5f52\u8c01\uff0c\u60a8\u7684 <strong>PIP<\/strong><strong>\uff08\u4e2a\u4eba\u4f24\u5bb3\u4fdd\u62a4\uff09\u4fdd\u9669<\/strong> \u90fd\u4f1a\u652f\u4ed8\u5408\u7406\u7684\u533b\u7597\u8d39\u7528\u548c\u8bef\u5de5\u635f\u5931\u3002<br \/>\n\u4f46\u8981\u83b7\u5f97\u8fd9\u4e9b\u798f\u5229\uff0c\u60a8\u5fc5\u987b<strong>\u53ca\u65f6\u901a\u77e5\u4fdd\u9669\u516c\u53f8\u5e76\u63d0\u4ea4\u533b\u7597\u8d26\u5355<\/strong>\u3002<br \/>\n\u82e5\u5ef6\u8fdf\u5c31\u533b\uff0c\u53ef\u80fd\u635f\u5bb3\u60a8\u7684\u7d22\u8d54\u6743\uff1a<\/p>\n<ul>\n<li><strong>\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u8d28\u7591\u4f24\u56e0<\/strong>\uff1a<br \/>\n\u82e5\u60a8\u51e0\u5929\u6216\u51e0\u5468\u540e\u624d\u5c31\u533b\uff0c\u7406\u8d54\u4eba\u5458\u53ef\u80fd\u58f0\u79f0\u75bc\u75db\u6e90\u81ea\u5176\u4ed6\u539f\u56e0\uff0c\u800c\u975e\u4e8b\u6545\u3002<\/li>\n<li><strong>\u6848\u4ef6\u8d54\u507f\u91d1\u989d\u4f1a\u964d\u4f4e<\/strong>\uff1a<br \/>\n\u6cbb\u7597\u5ef6\u8fdf\u7ed9\u4fdd\u9669\u516c\u53f8\u53ef\u4e58\u4e4b\u673a\uff0c\u4ee5\u6b64\u524a\u51cf\u6216\u62d2\u7edd\u8d54\u507f\u3002<\/li>\n<li><strong>\u533b\u7597\u8bb0\u5f55\u7f3a\u53e3\u5f71\u54cd\u6848\u4ef6\u5173\u8054\u6027<\/strong>\uff1a<br \/>\n\u533b\u7597\u8bb0\u5f55\u662f\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\u7684\u6838\u5fc3\u8bc1\u636e\u3002\u8d8a\u65e9\u5c31\u533b\uff0c\u4e8b\u6545\u4e0e\u75c7\u72b6\u7684\u56e0\u679c\u5173\u7cfb\u8d8a\u6e05\u6670\u3002<\/li>\n<\/ul>\n<p>\u5728<strong>\u7ebd\u7ea6\u5dde<\/strong>\uff0c\u53ea\u6709\u5f53\u4f24\u60c5\u8fbe\u5230\u201c<strong>\u4e25\u91cd\u4f24\u5bb3\u6807\u51c6\uff08<\/strong><strong>Serious Injury Threshold<\/strong><strong>\uff09<\/strong>\u201d\u65f6\uff0c<br \/>\n\u624d\u80fd\u7d22\u8d54\u7cbe\u795e\u4e0e\u75db\u82e6\u635f\u5bb3\uff08\u5982\u660e\u663e\u6bc1\u5bb9\u3001\u9aa8\u6298\u6216\u6c38\u4e45\u529f\u80fd\u53d7\u9650\uff09\u3002<br \/>\n\u800c\u5728<strong>\u65b0\u6cfd\u897f\u5dde<\/strong>\uff0c\u9664\u975e\u60a8\u5728\u6c7d\u8f66\u4fdd\u9669\u4e2d\u9009\u62e9\u4e86\u201c<strong>\u9650\u5236\u8bc9\u8bbc\uff08<\/strong><strong>Limitation on Lawsuit \/ Verbal Threshold<\/strong><strong>\uff09<\/strong>\u201d\u9009\u9879\uff0c<br \/>\n\u5426\u5219\u901a\u5e38\u53ef\u7533\u8bf7\u7cbe\u795e\u75db\u82e6\u8d54\u507f\u3002<\/p>\n<p>\u5373\u4f7f\u76ee\u524d\u4f24\u60c5\u770b\u4f3c\u8f7b\u5fae\uff0c\u4e4b\u540e\u4e5f\u53ef\u80fd\u88ab\u8ba4\u5b9a\u4e3a\u4e25\u91cd\u3002\u53ca\u65f6\u5c31\u8bca\u6709\u52a9\u4e8e\u786e\u7acb\u4f24\u5bb3\u7684\u4e25\u91cd\u7a0b\u5ea6\u53ca\u5176\u4e0e\u4e8b\u6545\u7684\u5173\u7cfb\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4fdd\u9669\u516c\u53f8\u5982\u4f55\u8d28\u7591\u5ef6\u8fdf\u6027\u4f24\u5bb3<\/strong><\/p>\n<p>\u5f53\u53d7\u4f24\u75c7\u72b6\u5728\u51e0\u5929\u540e\u624d\u51fa\u73b0\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u5e38\u4f1a\u6000\u7591\u5176\u771f\u5b9e\u6027\u3002<br \/>\n\u7406\u8d54\u4eba\u5458\u53ef\u80fd\u58f0\u79f0\u60a8\u7684\u75bc\u75db\u6e90\u4e8e\u538b\u529b\u3001\u5e74\u9f84\u6216\u65e2\u6709\u75c5\u53f2\uff1b<br \/>\n\u6709\u65f6\u8fd8\u4f1a\u63d0\u4f9b<strong>\u5feb\u901f\u548c\u89e3\u65b9\u6848<\/strong>\uff0c\u8ba9\u60a8\u5728\u4e86\u89e3\u4f24\u60c5\u5168\u8c8c\u524d\u5c31\u63a5\u53d7\u8d54\u507f\u3002<br \/>\n\u4e3a\u4fdd\u62a4\u60a8\u7684\u6743\u76ca\uff0c\u8bf7\u505a\u5230\uff1a<\/p>\n<ol>\n<li><strong>\u53ca\u65f6\u5c31\u533b\u5e76\u9075\u5faa\u6cbb\u7597\u8ba1\u5212<\/strong>\uff1a<br \/>\n\u8bb0\u5f55\u6bcf\u6b21\u5c31\u8bca\u548c\u6240\u6709\u75c7\u72b6\uff0c\u5f62\u6210\u5b8c\u6574\u7684\u533b\u7597\u8bc1\u660e\u94fe\u3002<\/li>\n<li><strong>\u4e0d\u8981\u4f9d\u8d56\u4fdd\u9669\u516c\u53f8\u7684<\/strong><strong>\u201c<\/strong><strong>\u5efa\u8bae<\/strong><strong>\u201d<\/strong>\uff1a<br \/>\n\u7406\u8d54\u5458\u7684\u76ee\u6807\u662f<strong>\u964d\u4f4e\u8d54\u507f\u91d1\u989d<\/strong>\uff0c\u800c\u975e\u7ef4\u62a4\u60a8\u7684\u5229\u76ca\u3002<\/li>\n<li><strong>\u4fdd\u5b58\u5168\u90e8\u8bb0\u5f55<\/strong>\uff1a<br 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