{"id":25368,"date":"2026-05-28T23:01:43","date_gmt":"2026-05-29T03:01:43","guid":{"rendered":"https:\/\/songlawfirm.com\/%e5%9c%a8%e6%96%b0%e6%b3%bd%e8%a5%bf%e8%a2%ab%e6%97%a0%e4%bf%9d%e9%99%a9%e5%8f%b8%e6%9c%ba%e6%92%9e%e4%bc%a4%e6%97%b6%e8%8e%b7%e5%be%97%e8%b5%94%e5%81%bf%e7%9a%845%e7%a7%8d%e6%96%b9%e6%b3%95\/"},"modified":"2026-05-28T23:01:43","modified_gmt":"2026-05-29T03:01:43","slug":"%e5%9c%a8%e6%96%b0%e6%b3%bd%e8%a5%bf%e8%a2%ab%e6%97%a0%e4%bf%9d%e9%99%a9%e5%8f%b8%e6%9c%ba%e6%92%9e%e4%bc%a4%e6%97%b6%e8%8e%b7%e5%be%97%e8%b5%94%e5%81%bf%e7%9a%845%e7%a7%8d%e6%96%b9%e6%b3%95","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/%e5%9c%a8%e6%96%b0%e6%b3%bd%e8%a5%bf%e8%a2%ab%e6%97%a0%e4%bf%9d%e9%99%a9%e5%8f%b8%e6%9c%ba%e6%92%9e%e4%bc%a4%e6%97%b6%e8%8e%b7%e5%be%97%e8%b5%94%e5%81%bf%e7%9a%845%e7%a7%8d%e6%96%b9%e6%b3%95\/","title":{"rendered":"\u5728\u65b0\u6cfd\u897f\u88ab\u65e0\u4fdd\u9669\u53f8\u673a\u649e\u4f24\u65f6\u83b7\u5f97\u8d54\u507f\u76845\u79cd\u65b9\u6cd5"},"content":{"rendered":"\n<!-- \uc1a1\ub85c\ud38c Column #1 \u2014 \u4e2d\u6587(\u7b80\u4f53) -->\n<style>\n.slf-pi { font-family: -apple-system, BlinkMacSystemFont, \"PingFang SC\", \"Microsoft YaHei\", \"Hiragino Sans GB\", sans-serif; color: #222; line-height: 1.8; max-width: 820px; margin: 0 auto; padding: 0 20px; word-break: keep-all; }\n.slf-pi * { box-sizing: border-box; }\n.slf-pi h1.slf-col-h1 { font-size: 32px; font-weight: 800; color: #1a3a5c; line-height: 1.3; margin: 0 0 18px; }\n.slf-pi .slf-key-answer { background: linear-gradient(135deg, #fff8e7 0%, #faf3e0 100%); border: 1px solid #b8860b; padding: 22px 26px; border-radius: 6px; margin: 0 0 36px; }\n.slf-pi .slf-key-answer .slf-ka-label { font-size: 12px; font-weight: 700; color: #b8860b; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 8px; }\n.slf-pi .slf-key-answer p { font-size: 16px; color: #333; margin: 0; line-height: 1.75; }\n.slf-pi .slf-toc { background: #f7f5f0; padding: 20px 26px; margin: 0 0 36px; border-radius: 4px; }\n.slf-pi .slf-toc .slf-toc-label { font-size: 13px; font-weight: 700; color: #1a3a5c; margin-bottom: 10px; }\n.slf-pi .slf-toc ol { margin: 0; padding-left: 22px; }\n.slf-pi .slf-toc li { font-size: 14px; color: #555; margin-bottom: 6px; }\n.slf-pi .slf-toc a { color: #1a3a5c; text-decoration: none; border-bottom: 1px solid transparent; }\n.slf-pi .slf-toc a:hover { border-bottom-color: #b8860b; color: #b8860b; }\n.slf-pi h2.slf-col-h2 { font-size: 24px; font-weight: 700; color: #1a3a5c; margin: 44px 0 16px; line-height: 1.35; }\n.slf-pi h3.slf-col-h3 { font-size: 19px; font-weight: 700; color: #1a3a5c; margin: 28px 0 12px; }\n.slf-pi p { font-size: 16px; margin: 0 0 16px; color: #333; }\n.slf-pi ul, .slf-pi ol { font-size: 16px; color: #333; padding-left: 22px; margin: 0 0 18px; }\n.slf-pi li { margin-bottom: 8px; }\n.slf-pi strong { color: #1a3a5c; }\n.slf-pi table { width: 100%; border-collapse: collapse; margin: 18px 0 26px; font-size: 15px; }\n.slf-pi th { background: #1a3a5c; color: #fff; padding: 10px 12px; text-align: left; font-weight: 600; }\n.slf-pi td { padding: 10px 12px; border-bottom: 1px solid #e8e4dc; vertical-align: top; }\n.slf-pi .slf-callout { background: #f0f5fa; border-left: 4px solid #1a3a5c; padding: 16px 20px; margin: 20px 0; font-size: 15px; color: #333; border-radius: 0 4px 4px 0; }\n.slf-pi .slf-callout strong { color: #1a3a5c; }\n.slf-pi .slf-faq-section { margin-top: 48px; padding-top: 36px; border-top: 2px solid #e8e4dc; }\n.slf-pi .slf-q { background: #fff; border: 1px solid #e8e4dc; margin-bottom: 12px; border-radius: 4px; overflow: hidden; }\n.slf-pi .slf-q[open] { box-shadow: 0 4px 16px rgba(26,58,92,.08); }\n.slf-pi .slf-q summary { padding: 16px 48px 16px 20px; cursor: pointer; font-weight: 600; font-size: 16px; color: #1a3a5c; position: relative; list-style: none; }\n.slf-pi .slf-q summary::-webkit-details-marker { display: none; }\n.slf-pi .slf-q summary::after { content: \"+\"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); font-size: 22px; color: #b8860b; }\n.slf-pi .slf-q[open] summary::after { content: \"\u2212\"; }\n.slf-pi .slf-q .slf-a { padding: 0 20px 18px; font-size: 15px; color: #444; line-height: 1.8; }\n.slf-pi .slf-related { background: #f7f5f0; padding: 24px; margin: 40px 0; border-radius: 4px; }\n.slf-pi .slf-related .slf-related-label { font-size: 13px; font-weight: 700; color: #b8860b; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 12px; }\n.slf-pi .slf-related ul { margin: 0; padding-left: 22px; }\n.slf-pi .slf-related a { color: #1a3a5c; text-decoration: none; border-bottom: 1px solid #b8860b; }\n.slf-pi .slf-related a:hover { color: #b8860b; }\n.slf-pi .slf-cta { background: #1a3a5c; color: #fff; padding: 32px 28px; text-align: center; border-radius: 6px; margin: 40px 0 24px; }\n.slf-pi .slf-cta h3 { color: #fff; margin: 0 0 12px; font-size: 22px; }\n.slf-pi .slf-cta p { color: #d9e1ec; font-size: 16px; margin: 0 0 20px; }\n.slf-pi .slf-cta a.slf-btn { display: inline-block; background: #b8860b; color: #fff; padding: 14px 28px; text-decoration: none; font-weight: 700; border-radius: 4px; font-size: 16px; }\n.slf-pi .slf-cta a.slf-btn:hover { background: #a07408; }\n.slf-pi .slf-cta .slf-cta-contacts { text-align: left; max-width: 380px; margin: 0 auto 20px; padding: 18px 22px; background: rgba(255,255,255,.08); border-radius: 6px; }\n.slf-pi .slf-cta .slf-cta-row { color: #fff; font-size: 15px; margin: 0 0 8px; line-height: 1.7; }\n.slf-pi .slf-cta .slf-cta-row:last-child { margin-bottom: 0; }\n.slf-pi .slf-cta .slf-cta-row a { color: #fff; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,.4); }\n.slf-pi .slf-cta .slf-cta-row a:hover { border-color: #b8860b; }\n.slf-pi .slf-cta .slf-cta-icon { display: inline-block; width: 22px; }\n.slf-pi .slf-disclaimer-block { margin: 32px 0 24px; padding: 20px 24px; background: #f7f5f0; border-left: 3px solid #888; border-radius: 0 4px 4px 0; font-size: 12.5px; color: #666; line-height: 1.75; }\n.slf-pi .slf-disclaimer-block .slf-disclaimer-label { font-size: 12px; font-weight: 700; color: #555; margin-bottom: 10px; letter-spacing: 1px; }\n.slf-pi .slf-disclaimer-block p { font-size: 12.5px; color: #666; margin: 0 0 10px; line-height: 1.75; }\n.slf-pi .slf-disclaimer-block p:last-child { margin-bottom: 0; }\n.slf-pi .slf-disclaimer-block .slf-disclaimer-firm { color: #444; font-size: 12.5px; padding-top: 8px; border-top: 1px solid #e0ddd5; margin-top: 12px; }\n@media (max-width: 600px) {\n  .slf-pi h1.slf-col-h1 { font-size: 26px; }\n  .slf-pi h2.slf-col-h2 { font-size: 21px; }\n  .slf-pi p, .slf-pi ul, .slf-pi ol { font-size: 15.5px; }\n  .slf-pi .slf-key-answer p { font-size: 15px; }\n  .slf-pi table { font-size: 14px; }\n}\n<\/style>\n\n<article class=\"slf-pi\">\n\n  <h1 class=\"slf-col-h1\">\u5728\u65b0\u6cfd\u897f\u88ab\u65e0\u4fdd\u9669\u53f8\u673a\u649e\u4f24\u65f6\u83b7\u5f97\u8d54\u507f\u76845\u79cd\u65b9\u6cd5<\/h1>\n\n  <div class=\"slf-key-answer\">\n    <div class=\"slf-ka-label\">\u4e00\u53e5\u8bdd\u7b54\u6848<\/div>\n    <p>\u5373\u4f7f\u5728\u65b0\u6cfd\u897f\u53d1\u751f\u4e8b\u6545\u7684\u8087\u4e8b\u53f8\u673a\u6ca1\u6709\u4fdd\u9669,\u60a8\u4ecd\u7136<strong>\u81f3\u5c11\u67095\u79cd\u9014\u5f84<\/strong>\u53ef\u4ee5\u83b7\u5f97\u8d54\u507f\u3002\u9996\u9009\u662f\u60a8\u81ea\u5df1\u6c7d\u8f66\u4fdd\u5355\u4e2d\u7684<strong>UM\/UIM(\u65e0\u4fdd\u9669\/\u4fdd\u9669\u4e0d\u8db3\u9a7e\u9a76\u5458\u4fdd\u969c)<\/strong>,\u5176\u6b21\u662f\u540c\u4f4f\u5bb6\u5ead\u6210\u5458\u7684\u4fdd\u5355\u3001PIP\u65e0\u8fc7\u9519\u533b\u7597\u4fdd\u969c\u3001\u884c\u4eba\u6216\u4e58\u5ba2\u8eab\u4efd\u4e0b\u7684\u7b2c\u4e09\u65b9\u4fdd\u9669,\u6700\u540e\u662f\u76f4\u63a5\u5bf9\u8087\u4e8b\u53f8\u673a\u4e2a\u4eba\u8d44\u4ea7\u63d0\u8d77\u6c11\u4e8b\u8bc9\u8bbc\u3002\u5982\u4f55\u7ec4\u5408\u8fd9\u4e9b\u9009\u9879\u51b3\u5b9a\u4e86\u6700\u7ec8\u8d54\u507f\u91d1\u989d\u2014\u2014\u4e8b\u6545\u540e\u8bf7\u5c3d\u5feb\u54a8\u8be2\u5f8b\u5e08\u3002<\/p>\n  <\/div>\n\n  <div class=\"slf-toc\">\n    <div class=\"slf-toc-label\">\ud83d\udcd1 \u76ee\u5f55<\/div>\n    <ol>\n      <li><a href=\"#why\">\u65b0\u6cfd\u897f\u4e3a\u4f55\u65e0\u4fdd\u9669\u4e8b\u6545\u9891\u53d1<\/a><\/li>\n      <li><a href=\"#m1\">\u65b9\u6cd51 \u2014 \u4f7f\u7528\u81ea\u5df1\u6c7d\u8f66\u4fdd\u5355\u7684UM\/UIM(\u9996\u9009)<\/a><\/li>\n      <li><a href=\"#m2\">\u65b9\u6cd52 \u2014 \u4f7f\u7528\u540c\u4f4f\u5bb6\u5ead\u6210\u5458\u7684\u6c7d\u8f66\u4fdd\u5355<\/a><\/li>\n      <li><a href=\"#m3\">\u65b9\u6cd53 \u2014 PIP(\u4e2a\u4eba\u4f24\u5bb3\u4fdd\u969c)\u7acb\u5373\u652f\u4ed8\u533b\u7597\u8d39<\/a><\/li>\n      <li><a href=\"#m4\">\u65b9\u6cd54 \u2014 \u884c\u4eba\u6216\u4e58\u5ba2\u8eab\u4efd\u4e0b\u5176\u4ed6\u4fdd\u9669\u4e5f\u53ef\u9002\u7528<\/a><\/li>\n      <li><a href=\"#m5\">\u65b9\u6cd55 \u2014 \u76f4\u63a5\u5bf9\u8087\u4e8b\u53f8\u673a\u4e2a\u4eba\u8d44\u4ea7\u63d0\u8d77\u8bc9\u8bbc<\/a><\/li>\n      <li><a href=\"#do\">\u4e8b\u6545\u5f53\u5929\u5fc5\u987b\u505a\u76843\u4ef6\u4e8b<\/a><\/li>\n      <li><a href=\"#faq\">\u5e38\u89c1\u95ee\u9898<\/a><\/li>\n    <\/ol>\n  <\/div>\n\n  <h2 id=\"why\" class=\"slf-col-h2\">1. \u65b0\u6cfd\u897f\u4e3a\u4f55\u65e0\u4fdd\u9669\u4e8b\u6545\u9891\u53d1<\/h2>\n  <p>\u867d\u7136\u65b0\u6cfd\u897f\u5dde\u6cd5\u5f8b\u5f3a\u5236\u8981\u6c42\u6240\u6709\u53f8\u673a\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669,\u4f46\u6839\u636e\u5dde\u4fdd\u9669\u90e8\u95e8\u7684\u7edf\u8ba1\u6570\u636e,<strong>\u7ea6\u670914%\u7684\u53f8\u673a\u6ca1\u6709\u4fdd\u9669\u6216\u4fdd\u989d\u4e25\u91cd\u4e0d\u8db3<\/strong>\u3002\u6362\u53e5\u8bdd\u8bf4,\u60a8\u5728\u8def\u4e0a\u9047\u5230\u7684\u6bcf7\u81f38\u8f86\u8f66\u4e2d,\u53ef\u80fd\u5c31\u67091\u8f86\u5728\u53d1\u751f\u91cd\u5927\u4e8b\u6545\u540e\u65e0\u6cd5\u63d0\u4f9b\u5145\u5206\u8d54\u507f\u3002<\/p>\n  <p>\u597d\u6d88\u606f\u662f:\u901a\u8fc7\u6b63\u786e\u5229\u7528\u60a8\u81ea\u5df1\u7684\u4fdd\u5355\u4ee5\u53ca\u65b0\u6cfd\u897f\u5dde\u6cd5\u5f8b\u63d0\u4f9b\u7684\u591a\u9879\u4fdd\u62a4\u673a\u5236,<strong>\u5728\u5927\u591a\u6570\u65e0\u4fdd\u9669\u53f8\u673a\u4e8b\u6545\u4e2d\u4ecd\u53ef\u5b9e\u73b0\u5145\u5206\u8d54\u507f<\/strong>\u3002\u5173\u952e\u662f\u5feb\u901f\u5224\u65ad\u60a8\u7684\u5177\u4f53\u60c5\u51b5\u9002\u7528\u54ea\u4e9b\u4fdd\u969c\u7ec4\u5408\u3002<\/p>\n\n  <h2 id=\"m1\" class=\"slf-col-h2\">2. \u65b9\u6cd51 \u2014 \u4f7f\u7528\u81ea\u5df1\u6c7d\u8f66\u4fdd\u5355\u7684UM\/UIM(\u9996\u9009)<\/h2>\n  <p>\u7b2c\u4e00\u4e2a\u5e94\u5f53\u67e5\u770b\u7684\u5c31\u662f\u60a8\u81ea\u5df1\u6c7d\u8f66\u4fdd\u5355\u4e2d\u7684<strong>UM(\u65e0\u4fdd\u9669\u9a7e\u9a76\u5458\u4fdd\u969c)\/ UIM(\u4fdd\u9669\u4e0d\u8db3\u9a7e\u9a76\u5458\u4fdd\u969c)<\/strong>\u6761\u6b3e\u3002\u5f53\u8087\u4e8b\u53f8\u673a\u5b8c\u5168\u6ca1\u6709\u4fdd\u9669\u65f6\u542f\u52a8UM;\u5f53\u8087\u4e8b\u53f8\u673a\u6709\u4fdd\u9669\u4f46\u4fdd\u989d\u4e0d\u8db3\u4ee5\u8986\u76d6\u60a8\u7684\u635f\u5931\u65f6\u542f\u52a8UIM\u3002<\/p>\n\n  <table>\n    <thead>\n      <tr><th>\u4fdd\u969c\u7c7b\u578b<\/th><th>\u9002\u7528\u60c5\u5f62<\/th><th>NJ\u6cd5\u5b9a\u6700\u4f4e\u4fdd\u989d<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td><strong>UM(\u65e0\u4fdd\u9669)<\/strong><\/td><td>\u8087\u4e8b\u53f8\u673a\u5b8c\u5168\u65e0\u4fdd\u9669<\/td><td>\u6bcf\u4eba $15,000 \/ \u6bcf\u6b21\u4e8b\u6545 $30,000<\/td><\/tr>\n      <tr><td><strong>UIM(\u4fdd\u9669\u4e0d\u8db3)<\/strong><\/td><td>\u8087\u4e8b\u53f8\u673a\u4fdd\u989d\u4e0d\u8db3<\/td><td>\u4e0e\u60a8\u672c\u4ebaBI\u4fdd\u989d\u4e00\u81f4<\/td><\/tr>\n      <tr><td>UM\/UIM \u8d22\u4ea7\u635f\u5931<\/td><td>\u8f66\u8f86\u6216\u8d22\u4ea7\u635f\u5931<\/td><td>$5,000(\u53ef\u9009)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n\n  <div class=\"slf-callout\">\n    <strong>\u91cd\u8981\u63d0\u793a:<\/strong> NJ\u6cd5\u5b9a\u6700\u4f4e\u4fdd\u989d(\u6bcf\u4eba$15,000)\u5bf9\u4e25\u91cd\u4f24\u5bb3\u8fdc\u8fdc\u4e0d\u591f\u3002\u5efa\u8bae\u65e5\u5e38\u5c06<strong>UM\/UIM\u4fdd\u989d\u63d0\u9ad8\u81f3$100,000~$300,000<\/strong>\u3002\u4e8b\u6545\u53d1\u751f\u540e\u65e0\u6cd5\u63d0\u9ad8\u4fdd\u989d\u3002\n  <\/div>\n\n  <h2 id=\"m2\" class=\"slf-col-h2\">3. \u65b9\u6cd52 \u2014 \u4f7f\u7528\u540c\u4f4f\u5bb6\u5ead\u6210\u5458\u7684\u6c7d\u8f66\u4fdd\u5355<\/h2>\n  <p>\u5373\u4f7f\u60a8\u672c\u4eba\u6ca1\u6709\u4fdd\u9669\u6216\u4fdd\u989d\u8f83\u4f4e,\u53ea\u8981<strong>\u5c45\u4f4f\u5728\u540c\u4e00\u5730\u5740\u7684\u5bb6\u5ead\u6210\u5458(\u914d\u5076\u3001\u7236\u6bcd\u3001\u5b50\u5973)<\/strong>\u6301\u6709\u6c7d\u8f66\u4fdd\u9669,\u901a\u5e38\u4ecd\u53ef\u83b7\u5f97\u8d54\u507f\u3002NJ\u5dde\u6cd5\u5f8b\u5c06&#8221;\u540c\u4f4f\u5bb6\u5c5e(resident relative)&#8221;\u5217\u5165\u627f\u4fdd\u8303\u56f4\u3002<\/p>\n  <ul>\n    <li>\u672c\u4eba\u975e\u9a7e\u8f66\u4eba\u6216\u65e0\u4fdd\u5355 \u2192 \u53ef\u4f7f\u7528\u7236\u6bcd\/\u914d\u5076\u4fdd\u5355\u4e2d\u7684UM<\/li>\n    <li>\u5b50\u5973\u53d1\u751f\u4e8b\u6545\u65f6 \u2192 \u53ef\u4f7f\u7528\u672c\u4eba\u5bb6\u5ead\u4fdd\u5355\u5904\u7406<\/li>\n    <li>\u6ce8\u610f:&#8221;\u540c\u4f4f&#8221;\u7684\u8bc1\u660e\u975e\u5e38\u5173\u952e(\u9a7e\u7167\u5730\u5740\u3001\u90ae\u4ef6\u3001\u8d26\u5355\u7b49)<\/li>\n  <\/ul>\n\n  <h2 id=\"m3\" class=\"slf-col-h2\">4. \u65b9\u6cd53 \u2014 PIP(\u4e2a\u4eba\u4f24\u5bb3\u4fdd\u969c)\u7acb\u5373\u652f\u4ed8\u533b\u7597\u8d39<\/h2>\n  <p>\u7531\u4e8eNJ\u662f&#8221;\u65e0\u8fc7\u9519(no-fault)&#8221;\u5dde,<strong>\u65e0\u8bba\u4e8b\u6545\u8d23\u4efb\u5728\u8c01,\u60a8\u672c\u4eba\u6c7d\u8f66\u4fdd\u5355\u4e2d\u7684PIP(Personal Injury Protection)\u90fd\u4f1a\u7acb\u5373\u652f\u4ed8\u533b\u7597\u8d39\u7528<\/strong>\u3002\u8087\u4e8b\u53f8\u673a\u6709\u65e0\u4fdd\u9669\u5bf9PIP\u7406\u8d54\u6beb\u65e0\u5f71\u54cd\u3002<\/p>\n  <ul>\n    <li>\u9ed8\u8ba4PIP\u4fdd\u989d:<strong>$15,000<\/strong>(NJ\u6700\u4f4e\u6807\u51c6)<\/li>\n    <li>\u53ef\u5347\u7ea7\u9009\u9879:$50,000 \/ $75,000 \/ $150,000 \/ <strong>$250,000<\/strong><\/li>\n    <li>\u627f\u4fdd\u8303\u56f4:\u6025\u8bca\u3001\u4f4f\u9662\u3001\u624b\u672f\u3001\u5eb7\u590d\u3001\u7cbe\u795e\u79d1\u6cbb\u7597\u3001\u90e8\u5206\u8bef\u5de5\u635f\u5931<\/li>\n  <\/ul>\n  <p>PIP\u65e0\u9700\u53e6\u884c\u7533\u8bf7\u5373\u53ef\u81ea\u52a8\u542f\u52a8,\u4e8b\u6545\u540e\u53ea\u9700\u643a\u5e26\u672c\u4eba\u4fdd\u9669\u5361\u524d\u5f80\u533b\u9662\u5373\u53ef\u3002<\/p>\n\n  <h2 id=\"m4\" class=\"slf-col-h2\">5. \u65b9\u6cd54 \u2014 \u884c\u4eba\u6216\u4e58\u5ba2\u8eab\u4efd\u4e0b\u5176\u4ed6\u4fdd\u9669\u4e5f\u53ef\u9002\u7528<\/h2>\n  <p>\u5982\u679c\u4e8b\u6545\u53d1\u751f\u65f6\u60a8\u662f<strong>\u884c\u4eba\u6216\u4ed6\u4eba\u8f66\u8f86\u7684\u4e58\u5ba2<\/strong>,\u53ef\u4f7f\u7528\u7684\u4fdd\u9669\u8303\u56f4\u5c06\u8fdb\u4e00\u6b65\u6269\u5927\u3002<\/p>\n\n  <table>\n    <thead>\n      <tr><th>\u60c5\u5f62<\/th><th>\u53ef\u9002\u7528\u4fdd\u9669<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td>\u4f5c\u4e3a\u884c\u4eba\u88ab\u8f66\u8f86\u649e\u4f24<\/td><td>\u672c\u4eba\u6216\u5bb6\u5ead\u6210\u5458\u4fdd\u5355\u7684UM + \u5bb6\u5ead\u4fdd\u5355\u7684PIP + <strong>NJPLIGA<\/strong>(\u5dde\u4fdd\u969c\u57fa\u91d1)<\/td><\/tr>\n      <tr><td>\u4f5c\u4e3a\u4ed6\u4eba\u8f66\u8f86\u4e58\u5ba2<\/td><td>\u627f\u8f7d\u8f66\u8f86\u7684\u4fdd\u5355 + \u672c\u4eba\u5bb6\u5ead\u4fdd\u5355(\u53ef\u53e0\u52a0)<\/td><\/tr>\n      <tr><td>\u51fa\u79df\u8f66\u3001Uber\u6216Lyft\u4e58\u5ba2<\/td><td>\u8be5\u516c\u53f8\u5546\u4e1a\u4fdd\u9669(\u6700\u9ad8<strong>$1.5M<\/strong>)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n\n  <h2 id=\"m5\" class=\"slf-col-h2\">6. \u65b9\u6cd55 \u2014 \u76f4\u63a5\u5bf9\u8087\u4e8b\u53f8\u673a\u4e2a\u4eba\u8d44\u4ea7\u63d0\u8d77\u8bc9\u8bbc<\/h2>\n  <p>\u5982\u679c\u4ee5\u4e0a4\u79cd\u65b9\u6cd5\u4ecd\u65e0\u6cd5\u5b8c\u5168\u5f25\u8865\u635f\u5931,\u4e14\u8087\u4e8b\u53f8\u673a\u62e5\u6709\u53ef\u67e5\u8bc1\u7684\u8d22\u4ea7(\u623f\u4ea7\u3001\u4f01\u4e1a\u3001\u94f6\u884c\u8d26\u6237\u7b49),\u53ef<strong>\u76f4\u63a5\u5bf9\u5176\u672c\u4eba\u63d0\u8d77\u6c11\u4e8b\u8bc9\u8bbc<\/strong>\u3002<\/p>\n  <p>\u4f46\u7edd\u5927\u591a\u6570\u65e0\u4fdd\u9669\u53f8\u673a\u8d22\u4ea7\u6709\u9650,\u5b9e\u9645\u53ef\u6267\u884c\u6027\u9700\u8981\u4e8b\u5148\u8bc4\u4f30\u3002Song Law Firm\u5728\u63a5\u6848\u524d\u4f1a\u901a\u8fc7\u8d44\u4ea7\u8c03\u67e5(Asset Investigation)\u5224\u65ad\u5b9e\u9645\u56de\u6536\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n  <h2 id=\"do\" class=\"slf-col-h2\">7. \u4e8b\u6545\u5f53\u5929\u5fc5\u987b\u505a\u76843\u4ef6\u4e8b<\/h2>\n  <ol>\n    <li><strong>\u533b\u9662\u5c31\u8bca\u5e76\u4fdd\u5b58\u75c5\u5386<\/strong> \u2014 PIP\u7406\u8d54\u7684\u6838\u5fc3\u4f9d\u636e<\/li>\n    <li><strong>\u62a5\u8b66 + \u53d6\u5f97\u8087\u4e8b\u53f8\u673a\u4fdd\u9669\u72b6\u6001\u786e\u8ba4\u4e66<\/strong> \u2014 UM\u7406\u8d54\u7684\u5fc5\u8981\u51ed\u8bc1<\/li>\n    <li><strong>\u5c3d\u5feb\u9884\u7ea6\u5f8b\u5e08\u514d\u8d39\u54a8\u8be2<\/strong> \u2014 \u5224\u65ad\u54ea\u79cd\u4fdd\u9669\u7ec4\u5408\u53ef\u5b9e\u73b0\u6700\u5927\u8d54\u507f<\/li>\n  <\/ol>\n\n  <div class=\"slf-callout\">\n    <strong>\ud83d\udca1 \u6700\u5e38\u89c1\u7684\u5931\u8bef:<\/strong> \u56e0\u4e3a&#8221;\u8087\u4e8b\u53f8\u673a\u6ca1\u4fdd\u9669,\u53cd\u6b63\u8d54\u4e0d\u5230&#8221;\u5c31\u62d6\u5ef6\u5411\u672c\u4eba\u4fdd\u9669\u516c\u53f8\u62a5\u6848\u3002NJ\u5dde\u89c4\u5b9aUM\u7406\u8d54\u5fc5\u987b<strong>\u5728\u5408\u7406\u65f6\u95f4\u5185<\/strong>\u901a\u77e5\u672c\u4eba\u4fdd\u9669\u516c\u53f8,\u5ef6\u8bef\u53ef\u80fd\u5bfc\u81f4\u7406\u8d54\u88ab\u62d2\u3002\n  <\/div>\n\n  <div class=\"slf-related\">\n    <div class=\"slf-related-label\">\u76f8\u5173\u4fe1\u606f<\/div>\n    <ul>\n      <li><a href=\"https:\/\/songlawfirm.com\/practice-areas\/personal-injury\/\">\u4eba\u8eab\u4f24\u5bb3\u4e13\u9879\u56e2\u961f\u4ecb\u7ecd \u2192<\/a><\/li>\n      <li><a href=\"https:\/\/songlawfirm.com\/zh-hans\/category\/%e6%b3%95%e5%be%8b%e4%b8%93%e6%a0%8f\/%e4%ba%ba%e8%ba%ab%e4%bc%a4%e5%ae%b3-columns\/\">\u4eba\u8eab\u4f24\u5bb3\u6cd5\u5f8b\u4e13\u680f\u5168\u90e8 \u2192<\/a><\/li>\n    <\/ul>\n  <\/div>\n\n  <h2 id=\"faq\" class=\"slf-col-h2 slf-faq-section\">\u5e38\u89c1\u95ee\u9898<\/h2>\n\n  <details class=\"slf-q\">\n    <summary>\u5411\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u7406\u8d54\u4f1a\u5bfc\u81f4\u4fdd\u8d39\u4e0a\u6da8\u5417?<\/summary>\n    <div class=\"slf-a\">UM\/UIM\u662f\u9488\u5bf9\u975e\u672c\u4eba\u8fc7\u9519\u4e8b\u6545\u7684\u7406\u8d54,\u901a\u5e38\u4e0d\u4f1a\u4f5c\u4e3a\u4fdd\u8d39\u4e0a\u6da8\u7684\u4f9d\u636e\u3002\u4f46\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u653f\u7b56\u4e0d\u540c,\u8bf7\u5411\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u5177\u4f53\u54a8\u8be2\u3002<\/div>\n  <\/details>\n\n  <details class=\"slf-q\">\n    <summary>\u8087\u4e8b\u53f8\u673a\u8087\u4e8b\u9003\u9038(hit-and-run)\u4e5f\u80fd\u7533\u8bf7UM\u5417?<\/summary>\n    <div class=\"slf-a\">\u53ef\u4ee5,NJ\u5141\u8bb8\u5bf9\u8087\u4e8b\u9003\u9038\u6848\u4ef6\u7533\u8bf7UM\u7406\u8d54\u3002\u4f46\u5fc5\u987b\u4e8b\u6545\u540e\u7acb\u5373\u62a5\u8b66,\u5e76\u80fd\u8bc1\u660e\u4e0e\u8087\u4e8b\u8f66\u8f86\u53d1\u751f\u7269\u7406\u63a5\u89e6(\u6709\u7279\u5b9a\u4f8b\u5916)\u3002<strong>\u90e8\u5206\u4fdd\u9669\u516c\u53f8\u5728\u7f3a\u4e4f\u7269\u7406\u8bc1\u636e\u65f6\u53ef\u80fd\u62d2\u8d54<\/strong>,\u56e0\u6b64\u4e8b\u6545\u540e\u7acb\u5373\u62a5\u8b66\u81f3\u5173\u91cd\u8981\u3002<\/div>\n  <\/details>\n\n  <details class=\"slf-q\">\n    <summary>UM\u7406\u8d54\u4e5f\u6709\u8bc9\u8bbc\u65f6\u6548\u5417?<\/summary>\n    <div class=\"slf-a\">NJ\u4eba\u8eab\u4f24\u5bb3\u7684\u4e00\u822c\u8bc9\u8bbc\u65f6\u6548\u4e3a\u4e8b\u6545\u53d1\u751f\u65e5\u8d772\u5e74\u3002UM\u7406\u8d54\u540c\u6837\u9002\u7528,\u4e14\u989d\u5916\u8981\u6c42&#8221;\u5408\u7406\u65f6\u95f4\u5185\u901a\u77e5&#8221;\u672c\u4eba\u4fdd\u9669\u516c\u53f8\u3002\u5ef6\u8fdf\u901a\u77e5\u53ef\u80fd\u5bfc\u81f4\u7406\u8d54\u88ab\u62d2,\u5efa\u8bae\u4e8b\u6545\u540e\u5c3d\u65e9\u54a8\u8be2\u5f8b\u5e08\u3002<\/div>\n  <\/details>\n\n  <details class=\"slf-q\">\n    <summary>\u8087\u4e8b\u53f8\u673a\u6709\u4fdd\u9669\u4f46\u4fdd\u989d\u8fc7\u4f4e\u600e\u4e48\u529e?<\/summary>\n    <div class=\"slf-a\">\u5148\u6309\u8087\u4e8b\u53f8\u673a\u4fdd\u9669\u516c\u53f8\u7684\u4fdd\u989d\u4e0a\u9650\u7533\u8bf7\u8d54\u507f,\u4e0d\u8db3\u90e8\u5206\u901a\u8fc7\u672c\u4ebaUIM(\u4fdd\u9669\u4e0d\u8db3)\u8865\u5145\u7406\u8d54\u3002\u4f8b:\u8087\u4e8b\u53f8\u673a\u4fdd\u989d$25,000 + \u672c\u4ebaUIM $100,000 \u2192 <strong>\u5408\u8ba1\u6700\u9ad8\u53ef\u83b7$125,000\u8d54\u507f<\/strong>\u3002UIM\u7406\u8d54\u6d89\u53ca\u4e24\u5bb6\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u590d\u6742\u7684\u534f\u8c03,\u5efa\u8bae\u59d4\u6258\u5f8b\u5e08\u5904\u7406\u3002<\/div>\n  <\/details>\n\n  <details class=\"slf-q\">\n    <summary>\u53ef\u4ee5\u7528\u4e2d\u6587\u76f4\u63a5\u4e0e\u5f8b\u5e08\u54a8\u8be2\u5417?<\/summary>\n    <div class=\"slf-a\">\u53ef\u4ee5\u3002Song Law Firm\u7684Associate <strong>\u50a8\u83c1(Jing Chu)\u5f8b\u5e08<\/strong>\u5728\u4e2d\u56fd\u548c\u7ebd\u7ea6\u5dde\u5177\u5907\u53cc\u91cd\u5f8b\u5e08\u8d44\u683c,\u53ef\u4f7f\u7528\u4e2d\u6587(\u666e\u901a\u8bdd)\u76f4\u63a5\u4e3a\u60a8\u63d0\u4f9b\u6cd5\u5f8b\u54a8\u8be2\u3002\u514d\u8d39\u54a8\u8be2\u53ef\u901a\u8fc7\u7535\u8bdd\u3001\u90ae\u4ef6\u3001\u5fae\u4fe1\u6216\u7f51\u7ad9\u9884\u7ea6\u3002<\/div>\n  <\/details>\n\n  <div class=\"slf-cta\">\n    <h3>\u65e0\u4fdd\u9669\u53f8\u673a\u4e8b\u6545 \u2014 \u514d\u8d39\u6cd5\u5f8b\u54a8\u8be2<\/h3>\n    <p>\u4e8b\u6545\u540e48\u5c0f\u65f6\u51b3\u5b9a\u4e86\u8d54\u507f\u89c4\u6a21\u3002\u4e2d\u6587\u5f8b\u5e08\u76f4\u63a5\u4e3a\u60a8\u63d0\u4f9b\u54a8\u8be2\u670d\u52a1\u3002<\/p>\n    <div class=\"slf-cta-contacts\">\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udcde<\/span> \u7535\u8bdd: <a href=\"tel:+12014610031\"><strong>201-461-0031<\/strong><\/a><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udcac<\/span> \u5fae\u4fe1\u516c\u4f17\u53f7: <strong>Song Law Firm<\/strong><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udce7<\/span> \u90ae\u7bb1: <a href=\"mailto:mail@songlawfirm.com\">mail@songlawfirm.com<\/a><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83c\udf10<\/span> \u7f51\u7ad9: <a href=\"https:\/\/www.songlawfirm.com\">www.songlawfirm.com<\/a><\/div>\n    <\/div>\n    <a href=\"tel:+12014610031\" class=\"slf-btn\">\ud83d\udcde \u7acb\u5373\u6765\u7535<\/a>\n  <\/div>\n\n  <div class=\"slf-disclaimer-block\">\n    <div class=\"slf-disclaimer-label\">\u2696\ufe0f \u514d\u8d23\u58f0\u660e(Disclaimer)<\/div>\n    <p>\u672c\u4e13\u680f\u4ec5\u4ee5\u63d0\u4f9b\u4e00\u822c\u6027\u8d44\u8baf\u4e3a\u76ee\u7684,\u5e76\u975e\u5177\u4f53\u7684\u6cd5\u5f8b\u610f\u89c1\u3002\u9605\u8bfb\u672c\u4e13\u680f\u672c\u8eab\u5e76\u4e0d\u6784\u6210\u5f8b\u5e08\u4e0e\u5f53\u4e8b\u4eba\u4e4b\u95f4\u7684\u59d4\u6258\u5173\u7cfb\u3002\u6240\u6709\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\u56e0\u4e8b\u5b9e\u80cc\u666f\u3001\u4f24\u5bb3\u7a0b\u5ea6\u3001\u4fdd\u9669\u4fdd\u989d\u7b49\u5177\u4f53\u60c5\u51b5\u4e0d\u540c,\u7ed3\u679c\u4f1a\u6709\u6240\u5dee\u5f02;\u672c\u4e13\u680f\u6240\u8ff0\u6848\u4f8b\u6216\u7ed3\u679c\u4e0d\u4fdd\u8bc1\u60a8\u80fd\u83b7\u5f97\u76f8\u540c\u7ed3\u679c\u3002\u5177\u4f53\u6cd5\u5f8b\u5efa\u8bae\u8bf7\u76f4\u63a5\u54a8\u8be2\u5f8b\u5e08\u3002<\/p>\n    <p>\u672c\u4e13\u680f\u4e3aSong Law Firm(\u5728\u65b0\u6cfd\u897f\u5dde\u53ca\u7ebd\u7ea6\u5dde\u6ce8\u518c\u7684\u5f8b\u5e08\u4e8b\u52a1\u6240)\u7684\u5f8b\u5e08\u5e7f\u544a,\u9075\u5b88NJ\u53caNY\u300a\u5f8b\u5e08\u804c\u4e1a\u884c\u4e3a\u89c4\u5219\u300b(Rules of Professional Conduct)\u3002<\/p>\n    <p class=\"slf-disclaimer-firm\"><strong>Song Law Firm<\/strong> | Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024 | 201-461-0031 | mail@songlawfirm.com<\/p>\n  <\/div>\n\n<\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"Article\",\n      \"headline\": \"\u5728\u65b0\u6cfd\u897f\u88ab\u65e0\u4fdd\u9669\u53f8\u673a\u649e\u4f24\u65f6\u83b7\u5f97\u8d54\u507f\u76845\u79cd\u65b9\u6cd5\",\n      \"description\": 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{\"@type\":\"Question\",\"name\":\"UM\u7406\u8d54\u6709\u8bc9\u8bbc\u65f6\u6548\u5417?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"NJ\u4eba\u8eab\u4f24\u5bb3\u7684\u8bc9\u8bbc\u65f6\u6548\u4e3a\u4e8b\u6545\u65e5\u8d772\u5e74\u3002UM\u7406\u8d54\u540c\u6837\u9002\u7528,\u4e14\u989d\u5916\u8981\u6c42\u5408\u7406\u65f6\u95f4\u5185\u901a\u77e5\u672c\u4eba\u4fdd\u9669\u516c\u53f8\u3002\"}},\n        {\"@type\":\"Question\",\"name\":\"\u8087\u4e8b\u53f8\u673a\u4fdd\u989d\u8fc7\u4f4e\u600e\u4e48\u529e?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u5148\u6309\u8087\u4e8b\u53f8\u673a\u4fdd\u989d\u4e0a\u9650\u7406\u8d54,\u4e0d\u8db3\u90e8\u5206\u901a\u8fc7\u672c\u4ebaUIM\u8865\u5145\u3002\u4f8b:$25,000 + UIM $100,000 = \u6700\u9ad8$125,000\u3002\"}},\n        {\"@type\":\"Question\",\"name\":\"\u53ef\u4ee5\u7528\u4e2d\u6587\u76f4\u63a5\u4e0e\u5f8b\u5e08\u54a8\u8be2\u5417?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u53ef\u4ee5\u3002Song Law Firm\u7684\u50a8\u83c1(Jing Chu)\u5f8b\u5e08\u5177\u5907\u4e2d\u56fd\u4e0e\u7ebd\u7ea6\u5dde\u53cc\u91cd\u5f8b\u5e08\u8d44\u683c,\u53ef\u7528\u4e2d\u6587(\u666e\u901a\u8bdd)\u76f4\u63a5\u63d0\u4f9b\u54a8\u8be2\u3002\"}}\n      ]\n    }\n  ]\n}\n<\/script>\n\n\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u65b0\u6cfd\u897f\u88ab\u65e0\u4fdd\u9669\u53f8\u673a\u649e\u4f24\u65f6\u83b7\u5f97\u8d54\u507f\u76845\u79cd\u65b9\u6cd5 \u4e00\u53e5\u8bdd\u7b54\u6848 \u5373 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