{"id":25921,"date":"2026-06-07T23:00:30","date_gmt":"2026-06-08T03:00:30","guid":{"rendered":"https:\/\/songlawfirm.com\/hit-and-run-zh\/"},"modified":"2026-06-07T23:00:30","modified_gmt":"2026-06-08T03:00:30","slug":"hit-and-run-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/hit-and-run-zh\/","title":{"rendered":"\u649e\u8f66\u9003\u9038\u4e8b\u6545 \u2014 \u5373\u4fbf\u53f8\u673a\u9003\u9038,\u60a8\u4ecd\u53ef\u83b7\u5f97\u8d54\u507f"},"content":{"rendered":"<h2><b>\u649e\u8f66\u9003\u9038 (Hit-and-Run) \u2014 \uac00\ud574\uc790 \ub3c4\uc8fc\ud574\ub3c4 \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4<\/b><\/h2>\n<p>\uac00\ud574 \ucc28\ub7c9\uc774 \ub3c4\uc8fc\ud574 \uc2e0\uc6d0\u00b7\ubcf4\ud5d8 \uc815\ubcf4\uac00 \uc5c6\uc73c\uba74 \ubcf4\uc0c1\ubc1b\uc744 \uc218 \uc5c6\ub2e4\uace0 \uc0dd\uac01\ud558\uc2dc\ub098\uc694? \uadf8\ub807\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. NJ\u00b7NY \ubc95\uc740 \ube91\uc18c\ub2c8 \ud53c\ud574\uc790\uc5d0\uac8c \uc5ec\ub7ec \ubcf4\uc0c1 \uacbd\ub85c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<h2><b>1. \uc989\uc2dc \ud560 \uc77c (\uc0ac\uace0 \ud604\uc7a5)<\/b><\/h2>\n<ol>\n<li><b>911 \u2014 \uacbd\ucc30\u00b7\uad6c\uae09\ucc28:<\/b> \ubd80\uc0c1 \uc815\ub3c4 \ubb34\uad00\ud558\uac8c \uc2e0\uace0<\/li>\n<li><b>\uac00\ud574 \ucc28\ub7c9 \uc815\ubcf4 \u2014 \uac00\ub2a5\ud55c \ub9cc\ud07c:<\/b>\n<ul>\n<li>\uc0c9\uc0c1\u00b7\ube0c\ub79c\ub4dc\u00b7\ubaa8\ub378\u00b7\uc5f0\uc2dd<\/li>\n<li>\ubc88\ud638\ud310 \uc77c\ubd80 (\uae00\uc790\u00b7\uc22b\uc790)<\/li>\n<li>\uc6b4\uc804\uc790 \ubaa8\uc2b5\u00b7\uc637\u00b7\uba38\ub9ac<\/li>\n<li>\ub3c4\uc8fc \ubc29\ud5a5<\/li>\n<\/ul>\n<\/li>\n<li><b>\uc99d\uc778 \u2014 \ub2e4\ub978 \ucc28\ub7c9\u00b7\ubcf4\ud589\uc790 \uc5f0\ub77d\ucc98<\/b><\/li>\n<li><b>\ud604\uc7a5 \uc0ac\uc9c4 \u2014 \ucc28\ub7c9 \uc704\uce58\u00b7\ud30c\ud3b8\u00b7\ub3c4\ub85c \ud45c\uc2dc<\/b><\/li>\n<li><b>CCTV\u00b7\uad50\ud1b5 \uce74\uba54\ub77c \u2014 \uc778\uadfc \uac00\uac8c\u00b7\uc2e0\ud638\ub4f1 \ud655\uc778<\/b><\/li>\n<li><b>\uacbd\ucc30 \uc0ac\uace0 \ubcf4\uace0\uc11c \uc0ac\ubcf8 \u2014 \uc989\uc2dc \uc694\uccad<\/b><\/li>\n<\/ol>\n<h2><b>2. NJ \ubc95 \u2014 \ube91\uc18c\ub2c8 \ud53c\ud574\uc790 \ubcf4\uc0c1<\/b><\/h2>\n<h3>(\uac00) NJ PIP (Personal Injury Protection)<\/h3>\n<ul>\n<li>\ubcf8\uc778 \ucc28\ub7c9 \ubcf4\ud5d8 \u2014 \uac00\ud574\uc790 \uc2e0\uc6d0 \ubb34\uad00 $250K \uc758\ub8cc\ube44<\/li>\n<li>\ube91\uc18c\ub2c8\ub77c\ub3c4 \ubcf8\uc778 \ubcf4\ud5d8 \uc801\uc6a9 \uac00\ub2a5<\/li>\n<li>\uc758\ub8cc\ube44 \u2014 \ubcf8\uc778 \ubd80\ub2f4 \uc5c6\uc74c (deductible \uc678)<\/li>\n<\/ul>\n<h3>(\ub098) NJ UM (Uninsured Motorist)<\/h3>\n<ul>\n<li>\ubcf8\uc778 \ubcf4\ud5d8 \u2014 UM \uc635\uc158 \uac00\uc785 \uc2dc<\/li>\n<li>\ucd5c\uc18c $15K &#8211; \uc77c\ubc18 $250K-1M<\/li>\n<li>\uc758\ub8cc\ube44 \uc678 \u2014 \ud1b5\uc99d \uc190\uc0c1\u00b7\uc783\uc740 \uc784\uae08 \uccad\uad6c \uac00\ub2a5<\/li>\n<\/ul>\n<h3>(\ub2e4) NJ Unsatisfied Claim &#038; Judgment Fund<\/h3>\n<ul>\n<li>\ubcf8\uc778 \ubcf4\ud5d8 \uc5c6\ub294 \ubcf4\ud589\uc790\u00b7\uc790\uc804\uac70 \uc0ac\uace0 \u2014 \uac00\ub2a5<\/li>\n<li>\ucd5c\ub300 $250K \u2014 \uc815\ubd80 \uae30\uae08<\/li>\n<li>\ub9e4\uc6b0 \uc5c4\uaca9\ud55c \uc790\uaca9 \uc694\uac74<\/li>\n<\/ul>\n<h2><b>3. NY \ubc95 \u2014 \ube91\uc18c\ub2c8 \ud53c\ud574\uc790 \ubcf4\uc0c1<\/b><\/h2>\n<h3>(\uac00) NY No-Fault PIP<\/h3>\n<ul>\n<li>\ubcf8\uc778 \ucc28\ub7c9 \ubcf4\ud5d8 \u2014 $50K \uc758\ub8cc\ube44<\/li>\n<li>\uac00\ud574\uc790 \uc2e0\uc6d0 \ubb34\uad00<\/li>\n<\/ul>\n<h3>(\ub098) NY SUM (Supplementary Uninsured Motorist)<\/h3>\n<ul>\n<li>\uac00\uc785 \uc2dc \u2014 \ubcf8\uc778 \uc758\ubb34 \ucc45\uc784 \ud55c\ub3c4\uae4c\uc9c0<\/li>\n<li>\uc758\ubb34\ub294 \uc544\ub2c8\uc9c0\ub9cc \uad8c\uc7a5<\/li>\n<\/ul>\n<h3>(\ub2e4) NY MVAIC (Motor Vehicle Accident Indemnification Corporation)<\/h3>\n<ul>\n<li>NY \uc815\ubd80 \uae30\uae08 \u2014 \ubb34\ubcf4\ud5d8 \ud53c\ud574\uc790<\/li>\n<li>\ucd5c\ub300 $25K \uc758\ub8cc\ube44<\/li>\n<li>90 \uc77c \ub0b4 \uc2e0\uccad \uc758\ubb34<\/li>\n<\/ul>\n<h2><b>4. \uac00\ud574\uc790 \ucd94\uc801 \u2014 \uac00\ub2a5\uc131<\/b><\/h2>\n<ul>\n<li>\uacbd\ucc30 \u2014 \ubc88\ud638\ud310 \ubd80\ubd84\u00b7CCTV\u00b7\uc99d\uc778 \uc815\ubcf4\ub85c \ucd94\uc801<\/li>\n<li>NJ\u00b7NY \u2014 \ube91\uc18c\ub2c8 \u2014 \uc0ac\ub78c \ubd80\uc0c1 \uc2dc \uc911\ub300 \ubc94\uc8c4<\/li>\n<li>\uc720\uc8c4 \uc2dc \u2014 \ubcc4\ub3c4 \ubbfc\uc0ac \uccad\uad6c \uac00\ub2a5<\/li>\n<li>\uc2e4\uc81c \ucd94\uc801\ub960 \uc57d 30-40% (\uc815\ubcf4 \ucda9\ubd84 \uc2dc \ub354 \ub192\uc74c)<\/li>\n<\/ul>\n<h2><b>5. \ubcf4\ud5d8\uc0ac \ud568\uc815<\/b><\/h2>\n<ul>\n<li>&#8220;\uac00\ud574\uc790 \uc2e0\uc6d0 \uc5c6\uc73c\ub2c8 \uccad\uad6c \ubd88\uac00&#8221; \u2014 \uc798\ubabb\ub41c \uc8fc\uc7a5<\/li>\n<li>PIP \/ UM \/ SUM \/ \uc815\ubd80 \uae30\uae08 \ud65c\uc6a9 \uac00\ub2a5<\/li>\n<li>&#8220;\ube60\ub978 \ud569\uc758&#8221; \uc81c\uc548 \u2014 \ubd80\uc0c1 \uc804\uccb4 \uc9c4\ub2e8 \uc804 \uac70\ubd80<\/li>\n<li>\ubcc0\ud638\uc0ac \uc0c1\ub2f4 \u2014 \uccad\uad6c\uad8c \ubcf4\ud638<\/li>\n<\/ul>\n<h2><b>6. \uc190\ud574 \uccad\uad6c \uac00\ub2a5 \ud56d\ubaa9<\/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>\uc7a5\uc560\u00b7\uae30\ub2a5 \uc190\uc2e4<\/li>\n<li>\ucc28\ub7c9 \uc218\ub9ac<\/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>\u649e\u8f66\u9003\u9038 (Hit-and-Run) \u2014 \uac00\ud574\uc790 \ub3c4\uc8fc\ud574\ub3c4  [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":22674,"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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