{"id":26046,"date":"2026-06-10T17:19:20","date_gmt":"2026-06-10T21:19:20","guid":{"rendered":"https:\/\/songlawfirm.com\/60k-gwb-rear-end-pre-existing-zh\/"},"modified":"2026-06-10T17:20:39","modified_gmt":"2026-06-10T21:20:39","slug":"60k-gwb-rear-end-pre-existing-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/60k-gwb-rear-end-pre-existing-zh\/","title":{"rendered":"$60,000 \u2014 GWB\u8ffd\u5c3e\u4e8b\u6545\uff0c\u65e0\u8b66\u65b9\u62a5\u544a\u4e14\u6709\u65e2\u5f80\u810a\u690e\u635f\u4f24\uff0c\u6700\u7ec8\u6210\u529f\u83b7\u8d54"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u65b0\u6cfd\u897f\u4e54\u6cbb\u00b7\u534e\u76db\u987f\u5927\u6865(GWB)\u5165\u53e3\u62e5\u5835\u8def\u6bb5\u53d1\u751f\u8ffd\u5c3e\u4e8b\u6545\u3002\u65e0\u8b66\u65b9\u62a5\u544a\uff0c\u8f66\u8f86\u5916\u89c2\u635f\u4f24\u8f7b\u5fae\uff0c\u4e14\u5f53\u4e8b\u4eba\u672c\u8eab\u6709\u65e2\u5f80\u9888\u80cc\u4f24\u75c5\u53f2\u3002\u9762\u5bf9\u8fd9\u4e09\u91cd\u56f0\u5883\uff0c\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u901a\u8fc7\u5ba2\u89c2\u533b\u5b66\u8bc1\u636e\u548c\u6301\u7eed\u8c08\u5224\uff0c\u4ece\u5bf9\u65b9\u4fdd\u9669\u516c\u53f8\u548c\u672c\u65b9UIM\u4fdd\u9669\u516c\u53f8\u5904\u5171\u83b7\u8d54$60,000\u3002<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6848\u4ef6\u6982\u8ff0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u4e8b\u4eba\u5728\u65b0\u6cfd\u897f\u901a\u5f80\u66fc\u54c8\u987f\u7684<strong>\u4e54\u6cbb\u00b7\u534e\u76db\u987f\u5927\u6865(GWB)\u5165\u53e3<\/strong>\u6781\u5ea6\u62e5\u5835\u8def\u6bb5\u88ab\u540e\u8f66\u8ffd\u5c3e\u3002\u4e8b\u53d1\u540e\uff0c\u5927\u6865\u4ea4\u901a\u6781\u4e3a\u7e41\u5fd9\uff0c\u8b66\u5bdf\u65e0\u6cd5\u5230\u8fbe\u73b0\u573a\u3002\u5f53\u4e8b\u4eba\u4ec5\u80fd\u62cd\u7167\u3001\u4e92\u6362\u5bf9\u65b9\u9a7e\u7167\u53ca\u4fdd\u9669\u4fe1\u606f\u540e\u9a76\u79bb\u73b0\u573a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\u4ece\u5916\u89c2\u770b\u8f66\u8f86\u635f\u4f24\u4e0d\u5927\uff0c\u4e14<strong>\u6ca1\u6709\u8b66\u65b9\u62a5\u544a(Police Report)<\/strong>\u3002\u66f4\u590d\u6742\u7684\u662f\uff0c\u5f53\u4e8b\u4eba\u6b64\u524d\u5df2\u6709\u9888\u90e8\u548c\u8170\u90e8\u53d7\u4f24\u53f2\uff0c\u4fdd\u9669\u516c\u53f8\u6781\u6709\u53ef\u80fd\u4ee5&#8221;<em>\u65e2\u5f80\u75c7(Pre-existing 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Management)\u8bb0\u5f55\u3001ESI\u6ce8\u5c04\u6cbb\u7597\u8bb0\u5f55<\/strong>\u7cfb\u7edf\u5316\u6574\u7406\uff0c\u8bc1\u660e\u672c\u6b21\u4e8b\u6545<strong>\u660e\u663e\u52a0\u91cd\u4e86\u65e2\u5f80\u75c7(Aggravation of Pre-existing Condition)<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u6cfd\u897f\u6c7d\u8f66\u4fdd\u9669\u6cd5\uff08<strong>N.J.S.A. 39:6A-8<\/strong>\uff09\u4e0b\u7684&#8221;\u8bed\u8a00\u95e8\u69db(Verbal Threshold)&#8221;\u89c4\u5b9a\uff0c\u88ab\u5bb3\u4eba\u987b\u6ee1\u8db3\u516d\u7c7b\u6cd5\u5b9a\u8981\u4ef6\u4e4b\u4e00\uff08\u6700\u5e38\u89c1\u4e3a&#8221;\u5408\u7406\u533b\u5b66\u6982\u7387\u8303\u56f4\u5185\u7684\u6c38\u4e45\u6027\u4f24\u5bb3&#8221;\uff09\u65b9\u53ef\u4e3b\u5f20\u975e\u7ecf\u6d4e\u635f\u5bb3\u8d54\u507f\u3002\u591a\u5904\u690e\u95f4\u76d8\u635f\u4f24\u548cESI\u6cbb\u7597\u8bb0\u5f55\u6e05\u6670\u6ee1\u8db3\u8be5\u8981\u4ef6\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8d54\u507f\u7ed3\u679c \u2014 \u5171$60,000<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table>\n<thead>\n<tr><th>\u6765\u6e90<\/th><th>\u91d1\u989d<\/th><th>\u5907\u6ce8<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>\u5bf9\u65b9\u4fdd\u9669\u516c\u53f8(BI)<\/td><td><strong>$25,000<\/strong><\/td><td>\u4fdd\u5355\u9650\u989d\u5168\u989d\u8d54\u4ed8<\/td><\/tr>\n<tr><td>UIM\u4fdd\u9669\u516c\u53f8(State Farm)<\/td><td><strong>$35,000<\/strong><\/td><td>\u8ffd\u52a0\u8d54\u507f<\/td><\/tr>\n<tr><td><strong>\u5408\u8ba1<\/strong><\/td><td><strong>$60,000<\/strong><\/td><td>\u65e0\u8b66\u65b9\u62a5\u544a\u60c5\u51b5\u4e0b\u8fbe\u6210<\/td><\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ec0\u4e48\u662fUIM(Underinsured Motorist)\u4fdd\u9669\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">UIM\u4fdd\u9669\u662f\u6307\u5f53\u5bf9\u65b9\u9a7e\u9a76\u5458\u7684\u8d23\u4efb\u4fdd\u9669\u9650\u989d\uff08\u5982$25,000\uff09\u4e0d\u8db3\u4ee5\u8d54\u507f\u88ab\u5bb3\u4eba\u7684\u5b9e\u9645\u635f\u5931\u65f6\uff0c\u7531\u672c\u4eba\u4fdd\u9669\u516c\u53f8\u8865\u8db3\u5dee\u989d\u7684\u9669\u79cd\u3002\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u5728\u5bf9\u65b9BI\u653f\u7b56\u9650\u989d\u8d54\u4ed8\u540e\uff0c\u53e6\u5411\u672c\u4eba\u4fdd\u9669\u516c\u53f8State Farm\u63d0\u8d77UIM\u7d22\u8d54\uff0c\u8ffd\u52a0\u83b7\u8d54$35,000\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5f53\u4e8b\u4eba\u611f\u8a00<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>&#8220;\u65e2\u6ca1\u6709\u8b66\u65b9\u62a5\u544a\uff0c\u53c8\u6709\u4ee5\u524d\u7684\u4e8b\u6545\u8bb0\u5f55\uff0c\u6211\u62c5\u5fc3\u4e86\u5f88\u4e45\u3002\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u5230\u6700\u540e\u90fd\u6ca1\u6709\u653e\u5f03\uff0c\u575a\u6301\u4e0e\u4fdd\u9669\u516c\u53f8\u4e89\u53d6\uff0c\u624d\u6709\u4e86\u8fd9\u4e48\u597d\u7684\u7ed3\u679c\u3002\u771f\u7684\u975e\u5e38\u611f\u8c22\u3002&#8221;<\/em><\/p>\n<cite>\u2014 \u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u5f53\u4e8b\u4eba<\/cite>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u4e94\u5927\u4f18\u52bf<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&#8220;\u5c0f\u4e8b\u6545&#8221;\u4e2d\u7684\u7ec6\u81f4\u6848\u4ef6\u5206\u6790<\/strong> \u2014 \u4e0d\u88abMIST\u6846\u67b6\u5de6\u53f3\u6848\u4ef6\u4ef7\u503c<\/li>\n<li><strong>\u65e2\u5f80\u75c7\u6848\u4ef6\u7684\u7b56\u7565\u6027\u5e94\u5bf9<\/strong> 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class=\"wp-block-paragraph\">\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u7edd\u4e0d\u5141\u8bb8&#8221;\u4e8b\u6545\u89c4\u6a21\u770b\u4f3c\u4e0d\u5927&#8221;\u6210\u4e3a\u5ffd\u89c6\u5f53\u4e8b\u4eba\u75db\u82e6\u7684\u7406\u7531\u3002\u5f53\u4fdd\u9669\u516c\u53f8\u4ee5\u65e2\u5f80\u75c7\u6216\u8f66\u8f86\u635f\u4f24\u8f7b\u5fae\u4e3a\u7531\u4f01\u56fe\u51cf\u8f7b\u8d23\u4efb\u65f6\uff0c\u6211\u4eec\u4ee5\u5ba2\u89c2\u533b\u7597\u8bb0\u5f55\u548c\u7b56\u7565\u6027\u8c08\u5224\u634d\u536b\u5f53\u4e8b\u4eba\u7684\u6b63\u5f53\u6743\u5229\u3002\u6211\u4eec\u4e3a<strong>NJ\u3001NY<\/strong>\u5730\u533a\u534e\u4eba\u5f53\u4e8b\u4eba\u63d0\u4f9b\u4e2d\u6587\u3001\u82f1\u6587\u3001\u97e9\u6587\u4e09\u8bed\u670d\u52a1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u514d\u8d39\u54a8\u8be2<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcde <strong>(201) 461-0031<\/strong>\uff08\u5468\u4e00\u81f3\u5468\u4e94 09:00\u201318:00 ET\uff09<\/li>\n<li>\u2709\ufe0f <strong>mail@songlawfirm.com<\/strong><\/li>\n<li>\ud83d\udcac \u5fae\u4fe1\/KakaoTalk <strong>Song Law Firm<\/strong><\/li>\n<li>\ud83c\udf10 <strong>www.songlawfirm.com<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u672c\u6848\u8d54\u507f\u91d1\u989d\u57fa\u4e8e\u5177\u4f53\u6848\u4ef6\u4e8b\u5b9e\uff0c\u4e0d\u4ee3\u8868\u5176\u4ed6\u6848\u4ef6\u80fd\u83b7\u5f97\u76f8\u540c\u7ed3\u679c\u3002\u5177\u4f53\u6cd5\u5f8b\u54a8\u8be2\u8bf7\u76f4\u63a5\u8054\u7cfb\u6709\u8d44\u683c\u7684\u5f8b\u5e08\u3002<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>\u65b0\u6cfd\u897f\u4e54\u6cbb\u00b7\u534e\u76db\u987f\u5927\u6865(GWB)\u5165\u53e3\u62e5\u5835\u8def\u6bb5\u53d1\u751f\u8ffd\u5c3e\u4e8b\u6545\u3002\u65e0 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26043,"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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