{"id":25913,"date":"2026-06-07T22:54:41","date_gmt":"2026-06-08T02:54:41","guid":{"rendered":"https:\/\/songlawfirm.com\/um-uim-claims-zh\/"},"modified":"2026-06-07T22:54:41","modified_gmt":"2026-06-08T02:54:41","slug":"um-uim-claims-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/um-uim-claims-zh\/","title":{"rendered":"NJ\u00b7NY \u65e0\u4fdd\u9669\u00b7\u4fdd\u9669\u4e0d\u8db3\u9a7e\u9a76\u4eba(UM\/UIM) \u7d22\u8d54 \u2014 \u81ea\u6211\u4fdd\u62a4\u6307\u5357"},"content":{"rendered":"<h2><b>NJ\u00b7NY UM \/ UIM \ubcf4\ud5d8 \uccad\uad6c \u2014 \uc790\uae30 \ubcf4\ud638 \uac00\uc774\ub4dc<\/b><\/h2>\n<p>\ucc28\ub7c9 \uc0ac\uace0 \uac00\ud574\uc790\uac00 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\uc558\uac70\ub098 \ud55c\ub3c4\uac00 \ubd80\uc871\ud558\uba74 \uc5b4\ub5bb\uac8c \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc788\uc744\uae4c\uc694? <b>UM (Uninsured Motorist)<\/b>\uacfc <b>UIM (Underinsured Motorist)<\/b> \ubcf4\ud5d8\uc774 \ub2f5\uc785\ub2c8\ub2e4. \ubcf8\ubb38\uc740 NJ\u00b7NY \ubc95\uc5d0 \ub530\ub978 \uccad\uad6c \uc808\ucc28\uc640 \uc7a0\uc7ac \ud568\uc815\uc744 \uc815\ub9ac.<\/p>\n<h2><b>1. UM vs UIM \uad6c\ubd84<\/b><\/h2>\n<ul>\n<li><b>UM (Uninsured Motorist):<\/b> \uac00\ud574\uc790 \u2014 \ubb34\ubcf4\ud5d8 \/ \ucc45\uc784 \ubcf4\ud5d8 \uc5c6\uc74c \/ \ube91\uc18c\ub2c8<\/li>\n<li><b>UIM (Underinsured Motorist):<\/b> \uac00\ud574\uc790 \u2014 \ubcf4\ud5d8 \uc788\uc73c\ub098 \uc190\ud574\ubcf4\ub2e4 \ud55c\ub3c4 \uc801\uc74c<\/li>\n<\/ul>\n<h2><b>2. NJ \ubc95<\/b><\/h2>\n<ul>\n<li><b>\ucd5c\uc18c \uc758\ubb34:<\/b> $15K UM (\uc0ac\ub78c\ub2f9) \/ $30K (\uc0ac\uace0\ub2f9) \/ $5K \ubb3c\uc801 \uc190\ud574<\/li>\n<li><b>\ud45c\uc900 \uad8c\uc7a5:<\/b> $250K \/ $500K \/ $100K<\/li>\n<li><b>NJ Tort Threshold:<\/b> &#8220;Limited Right to Sue&#8221; \uc120\ud0dd \uc2dc \u2014 \ube44\ud0d1\uc2b9 \ubd80\uc0c1\ub9cc \uccad\uad6c \uac00\ub2a5<\/li>\n<li><b>\uc2a4\ud0dd\ud0b9 (Stacking):<\/b> NJ\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ud5c8\uc6a9 \u2014 \uc5ec\ub7ec \ucc28\ub7c9 \ubcf4\ud5d8 \ud569\uc0b0 \uac00\ub2a5<\/li>\n<\/ul>\n<h2><b>3. NY \ubc95<\/b><\/h2>\n<ul>\n<li><b>\ucd5c\uc18c \uc758\ubb34:<\/b> $25K \/ $50K UM<\/li>\n<li><b>SUM (Supplementary UM):<\/b> \uac00\uc785 \uc2dc \u2014 \uc758\ubb34 \ucc45\uc784 \ud55c\ub3c4 \uc774\uc0c1 \ubcf4\ud638<\/li>\n<li><b>NY No-Fault PIP:<\/b> $50K \uc758\ub8cc\ube44 \u2014 \ubcf8\uc778 \ubcf4\ud5d8 \uc6b0\uc120<\/li>\n<li><b>\uc2a4\ud0dd\ud0b9:<\/b> NY\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uae08\uc9c0<\/li>\n<\/ul>\n<h2><b>4. UM \/ UIM \uccad\uad6c \uc808\ucc28<\/b><\/h2>\n<ol>\n<li><b>\uc0ac\uace0 \ubc1c\uc0dd \uc989\uc2dc:<\/b> \uacbd\ucc30 \uc2e0\uace0 + \ubcf8\uc778 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \ud1b5\uc9c0<\/li>\n<li><b>30\uc77c \uc774\ub0b4 \u2014 Underinsured Motorist Notice:<\/b> NJ \u2014 \uac00\ud574\uc790 \ubcf4\ud5d8 \ud55c\ub3c4 \ubd80\uc871 \ud655\uc778 \ud6c4 \ubcf8\uc778 \ubcf4\ud5d8\uc5d0 \ud1b5\uc9c0<\/li>\n<li><b>\uc758\ub8cc \uc9c4\ub8cc + PIP \uccad\uad6c<\/b><\/li>\n<li><b>\uac00\ud574\uc790 \ubcf4\ud5d8\uc0ac \uccad\uad6c \u2014 \ud55c\ub3c4\uae4c\uc9c0<\/b><\/li>\n<li><b>\uadf8 \ud6c4 \ubcf8\uc778 UM \/ UIM \uccad\uad6c<\/b><\/li>\n<li><b>\uc911\uc7ac (Arbitration) \ub610\ub294 \uc18c\uc1a1<\/b><\/li>\n<\/ol>\n<h2><b>5. \ud754\ud55c \ud568\uc815<\/b><\/h2>\n<h3>(\uac00) \ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uac00 \ud55c\ucabd \ud3b8 \uc544\ub2d8<\/h3>\n<ul>\n<li>\ubcf8\uc778 \ubcf4\ud5d8\uc0ac \u2014 UM \/ UIM \uccad\uad6c \uc2dc &#8220;\ubcf4\ud5d8\uae08 \uc9c0\uae09\uc790&#8221; \uc785\uc7a5<\/li>\n<li>\ubcf8\uc778 \ubcf4\ud5d8\uc0ac \ubcc0\ud638\uc0ac\uac00 \uc790\uc2e0\uc744 \ubcc0\ud638 \u2014 \uc798\ubabb\ub41c \uc778\uc2dd<\/li>\n<li>\ub3c5\ub9bd \ubcc0\ud638\uc0ac \ubcc4\ub3c4 \ud544\uc694<\/li>\n<\/ul>\n<h3>(\ub098) \ud1b5\uc9c0 \uc758\ubb34 \uc704\ubc18<\/h3>\n<ul>\n<li>NJ \u2014 \uc0ac\uace0 \ud6c4 \ud569\ub9ac\uc801 \uae30\uac04 \ub0b4 \ud1b5\uc9c0<\/li>\n<li>\ub2a6\uc740 \ud1b5\uc9c0 \u2014 \uccad\uad6c \uac70\ubd80 \uac00\ub2a5<\/li>\n<\/ul>\n<h3>(\ub2e4) \uc758\ub8cc \uac80\uc0ac (IME) \ud568\uc815<\/h3>\n<ul>\n<li>\ubcf8\uc778 \ubcf4\ud5d8\uc0ac\uac00 &#8220;\ub3c5\ub9bd&#8221; \uc758\uc0ac \uc9c0\uc815 \u2014 \uc2e4\uc81c\ub85c \ubcf4\ud5d8 \ud3b8\ud5a5<\/li>\n<li>\ubcc0\ud638\uc0ac \ub3d9\ud589 \uad8c\uc7a5<\/li>\n<\/ul>\n<h3>(\ub77c) \uc911\uc7ac vs \uc18c\uc1a1<\/h3>\n<ul>\n<li>NJ \u2014 UM\/UIM \uccad\uad6c \uc758\ubb34\uc801 \uc911\uc7ac<\/li>\n<li>NY \u2014 \uc120\ud0dd \uac00\ub2a5<\/li>\n<li>\uc911\uc7ac \uacb0\uacfc \u2014 \uc77c\ubc18\uc801\uc73c\ub85c \ucd5c\uc885 (\ud56d\uc18c \uc81c\ud55c)<\/li>\n<\/ul>\n<h2><b>6. \uc190\ud574 \uccad\uad6c \uac00\ub2a5 \ud56d\ubaa9 (UM\/UIM)<\/b><\/h2>\n<ul>\n<li>\uc758\ub8cc\ube44 (\uacfc\uac70\u00b7\ubbf8\ub798)<\/li>\n<li>\uc783\uc740 \uc784\uae08<\/li>\n<li>\ud1b5\uc99d\uacfc \uace0\ud1b5<\/li>\n<li>\ucc28\ub7c9 \uc218\ub9ac (\ud574\ub2f9 \ubc94\uc704)<\/li>\n<li>\uc7a5\uc560\u00b7\uae30\ub2a5 \uc190\uc2e4<\/li>\n<li>\uc2ec\ub9ac\uc801 \ucda9\uaca9<\/li>\n<\/ul>\n<p><b>\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240<\/b><\/p>\n<ul>\n<li><b>\ud83d\udccd \u5730\u5740:<\/b> Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024<\/li>\n<li><b>\ud83d\udcde \u7535\u8bdd:<\/b> (201) 461-0031<\/li>\n<li><b>\ud83d\udce7 \u90ae\u7bb1:<\/b> office@songlawfirm.com<\/li>\n<li><b>\ud83c\udf10 \u7f51\u7ad9:<\/b> <a href=\"https:\/\/www.songlawfirm.com\/\">www.songlawfirm.com<\/a><\/li>\n<\/ul>\n<p><i><b>\u514d\u8d23\u58f0\u660e:<\/b>\u6b64\u524d\u7ed3\u679c\u4e0d\u4fdd\u8bc1\u7c7b\u4f3c\u7ed3\u679c\u3002\u672c\u5185\u5bb9\u57fa\u4e8e\u4e00\u822c\u6cd5\u5f8b\u60c5\u5883\u4e0e\u8fc7\u5f80\u6848\u4f8b,\u4e0d\u6784\u6210\u6cd5\u5f8b\u5efa\u8bae\u3002\u8bf7\u5c31\u60a8\u7684\u5177\u4f53\u60c5\u51b5\u54a8\u8be2\u5f8b\u5e08\u3002<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>NJ\u00b7NY UM \/ UIM \ubcf4\ud5d8 \uccad\uad6c \u2014 \uc790\uae30 \ubcf4\ud638 \uac00 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":23174,"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 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