{"id":26387,"date":"2026-06-25T11:00:00","date_gmt":"2026-06-25T15:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26387"},"modified":"2026-06-21T21:43:23","modified_gmt":"2026-06-22T01:43:23","slug":"pi-zh-05-nj-vs-ny-injury-claim-compared","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/pi-zh-05-nj-vs-ny-injury-claim-compared\/","title":{"rendered":"\u65b0\u6cfd\u897fvs\u7ebd\u7ea6 \u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u7684\u5173\u952e\u5dee\u5f02"},"content":{"rendered":"<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-style:italic;color:#666;font-size:0.95em;\">\u4eba\u8eab\u4f24\u5bb3 \u00b7 NJ vs NY \u00b7 PIP \u00b7 \u65e0\u8fc7\u5931 \u00b7 \u4e25\u91cd\u4f24\u5bb3\u95e8\u69db \u00b7 \u8bc9\u8bbc\u65f6\u6548<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u5f15\u8a00<\/h2>\n<p class=\"wp-block-paragraph\">\u97e9\u88d4\u7f8e\u56fd\u4eba\u9891\u7e41\u5f80\u8fd4NJ\u548cNY\uff0c\u4f46\u4e24\u5dde\u4eba\u8eab\u4f24\u5bb3\u5236\u5ea6\u6709\u5173\u952e\u5dee\u5f02\u3002\u4e8b\u6545\u53d1\u751f\u5728NJ\u8fd8\u662fNY\uff0c\u4f1a\u5f71\u54cd\u60a8\u7684\u533b\u7597\u4fdd\u969c\u3001\u8d77\u8bc9\u80fd\u529b\u3001\u65f6\u95f4\u9650\u5236\u548c\u635f\u5bb3\u3002\u672c\u6587\u5bf9\u6bd4\u4e24\u5dde\u5236\u5ea6\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">1. \u65e0\u8fc7\u5931\u5236\u5ea6<\/h2>\n<ul class=\"wp-block-list\"><li><strong>NJ\uff1a<\/strong>\u65e0\u8fc7\u5931\u5dde\u3002\u60a8\u81ea\u5df1\u7684PIP\u4e0d\u8bba\u8fc7\u9519\u652f\u4ed8\u533b\u7597\u8d39\u3002<\/li><li><strong>NY\uff1a<\/strong>\u540c\u4e3a\u65e0\u8fc7\u5931\u2014\u2014NY\u79f0\u4e3aPersonal Injury Protection\u6216No-Fault Benefits\uff08\u6700\u4f4e$50,000\uff09\u3002<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">2. \u4fdd\u969c\u9650\u989d<\/h2>\n<ul class=\"wp-block-list\"><li><strong>NJ PIP\u6700\u4f4e\uff1a<\/strong>$15,000<\/li><li><strong>NJ PIP\u6700\u9ad8\uff1a<\/strong>$250,000<\/li><li><strong>NY\u65e0\u8fc7\u5931\u6700\u4f4e\uff1a<\/strong>$50,000<\/li><li><strong>NY\u65e0\u8fc7\u5931\u6700\u9ad8\uff1a<\/strong>$50,000\uff08\u57fa\u7840\uff09\u2014\u2014\u53ef\u52a0\u8d2dAdd&#8217;l PIP<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">3. \u8d77\u8bc9\u95e8\u69db<\/h2>\n<ul class=\"wp-block-list\"><li><strong>NJ\u53e3\u5934\u95e8\u69db\uff08N.J.S.A. 39:6A-8\uff09\uff1a<\/strong>\u6c38\u4e45\u6027\u4f24\u5bb3\u3001\u80a2\u4f53\u4e27\u5931\u3001\u9aa8\u6298\u7b49<\/li><li><strong>NY\u4e25\u91cd\u4f24\u5bb3\u95e8\u69db\uff08Insurance Law \u00a75102(d)\uff09\uff1a<\/strong>\u6b7b\u4ea1\u3001\u80a2\u4f53\u4e27\u5931\u3001\u4e25\u91cd\u6bc1\u5bb9\u3001\u9aa8\u6298\u3001\u80ce\u513f\u4e22\u5931\u3001\u8eab\u4f53\u5668\u5b98\/\u90e8\u4f4d\u6c38\u4e45\u4e27\u5931\u529f\u80fd\u3001\u6c38\u4e45\u6027\u7ed3\u679c\u6027\u9650\u5236\u3001\u4f7f\u7528\u91cd\u5927\u9650\u5236\uff0c\u621690\/180\u5929\u4f24\u6b8b<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">4. \u8bc9\u8bbc\u65f6\u6548<\/h2>\n<ul class=\"wp-block-list\"><li><strong>NJ\uff1a<\/strong>2\u5e74\uff08N.J.S.A. 2A:14-2\uff09<\/li><li><strong>NY\uff1a<\/strong>3\u5e74\uff08CPLR 214\uff09<\/li><li><strong>\u975e\u6b63\u5e38\u6b7b\u4ea1\uff1a<\/strong>NJ\u81ea\u6b7b\u4ea1\u8d772\u5e74\uff08N.J.S.A. 2A:31-3\uff09\uff1bNY\u81ea\u6b7b\u4ea1\u8d772\u5e74\uff08EPTL 5-4.1\uff09<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">5. \u6bd4\u8f83\u8fc7\u5931<\/h2>\n<ul class=\"wp-block-list\"><li><strong>NJ\u4fee\u6b63\u6bd4\u8f83\uff1a<\/strong>\u8fc7\u9519\u226450%\u53ef\u83b7\u8d54\uff0c\u6309\u6bd4\u4f8b\u6263\u51cf<\/li><li><strong>NY\u7eaf\u6bd4\u8f83\uff1a<\/strong>\u5373\u4fbf99%\u8fc7\u9519\u4ecd\u53ef\u83b7\u8d54\uff0c\u6309\u6bd4\u4f8b\u51cf\u5c11<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">6. \u53ef\u4e3b\u5f20\u635f\u5bb3<\/h2>\n<p class=\"wp-block-paragraph\">\u4e24\u5dde\u5747\u5141\u8bb8\uff1a\u533b\u7597\u8d39\u3001\u8bef\u5de5\u635f\u5931\u3001\u672a\u6765\u533b\u7597\u3001\u7cbe\u795e\u75db\u82e6\u3001\u914d\u5076\u8054\u5408\u635f\u5931\u3002\u60e9\u7f5a\u6027\u8d54\u507f\uff1aNJ\u4f9d2A:15-5.9\u53ef\u4e3b\u5f20\uff1bNY\u53ef\u4e3b\u5f20\u4f46\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\u4e2d\u7f55\u89c1\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u5224\u4f8b\u6cd5<\/h2>\n<p class=\"wp-block-paragraph\"><strong>DiProspero v. Penn, 183 N.J. 477 (2005)<\/strong> \u2014\u2014NJ\u53e3\u5934\u95e8\u69db\u89c4\u5219\u3002<\/p>\n<p class=\"wp-block-paragraph\"><strong>Toure v. Avis Rent A Car, 98 N.Y.2d 345 (2002)<\/strong> \u2014\u2014\u754c\u5b9aNY\u4e25\u91cd\u4f24\u5bb3\u95e8\u69db\u6807\u51c6\u3002<\/p>\n<p class=\"wp-block-paragraph\"><strong>Pommells v. Perez, 4 N.Y.3d 566 (2005)<\/strong> \u2014\u2014\u8981\u6c42\u5ba2\u89c2\u533b\u5b66\u8bc1\u636e\u8bc1\u660e\u4e25\u91cd\u4f24\u5bb3\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u5e38\u89c1\u95ee\u9898<\/h2>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q1. \u4e8b\u6545\u5728NY\u4f46\u6211\u4f4fNJ\u2014\u2014\u9002\u7528\u54ea\u5dde\u6cd5\u5f8b\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u60c5\u5f62\u4e0b\u4e8b\u6545\u53d1\u751f\u5730\u6cd5\u5f8b\u9002\u7528\uff08lex loci delicti\uff09\u3002NY\u6cd5\u5f8b\u9002\u7528\u4e8e\u8d23\u4efb\u548c\u635f\u5bb3\uff0c\u4f46NJ\u4fdd\u9669\u5904\u7406\u60a8\u7684PIP\u3002\u5404\u5dde\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u7684\u534f\u8c03\u81f3\u5173\u91cd\u8981\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q2. \u54ea\u4e2a\u5dde\u5bf9\u53d7\u5bb3\u8005\u66f4\u6709\u5229\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u4e24\u5dde\u5404\u6709\u4f18\u52a3\u3002NY\u76843\u5e74\u65f6\u6548\u548c\u7eaf\u6bd4\u8f83\u8fc7\u5931\u5bf9\u53d7\u5bb3\u8005\u6709\u5229\u3002NJ\u7684\u53e3\u5934\u95e8\u69db\u53ef\u80fd\u6210\u4e3a\u969c\u788d\u4f46\u4fdd\u8d39\u8f83\u4f4e\u3002\u9009\u62e9\u5e38\u53d6\u51b3\u4e8e\u4e8b\u6545\u5730\u70b9\u548c\u4fdd\u5355\u9650\u989d\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q3. \u8de8\u5dde\u4fdd\u5355\u2014\u2014\u662f\u5426\u8986\u76d6\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u591a\u6570NJ\u4fdd\u5355\u4e3aNY\u5883\u5185\u4e8b\u6545\u63d0\u4f9b\u6700\u4f4eNY\u4fdd\u969c\uff08\u53cd\u4e4b\u4ea6\u7136\uff09\u3002\u8bf7\u786e\u8ba4\u60a8\u4fdd\u5355\u7684\u5dde\u5916\u4fdd\u969c\u5ef6\u4f38\u6761\u6b3e\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q4. \u6865\u96a7\u4e8b\u6545\u2014\u2014\u5c5e\u54ea\u7ba1\u8f96\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u4f9d\u4e8b\u6545\u7684\u5177\u4f53\u7269\u7406\u4f4d\u7f6e\u5b9a\u3002\u4e54\u6cbb\u534e\u76db\u987f\u5927\u6865\u4e8b\u6545\u901a\u5e38NJ\uff1b\u6797\u80af\u96a7\u9053\u4e8b\u6545\u901a\u5e38NY\u3002\u5177\u4f53\u5728\u6865\/\u96a7\u9053\u4e0a\u7684\u7cbe\u786e\u4f4d\u7f6e\u5f88\u91cd\u8981\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u865a\u6784\u6848\u4f8b\u6a21\u62df<\/h2>\n<p class=\"wp-block-paragraph\">Fort Lee\u5c45\u6c11\u5728\u4e54\u6cbb\u534e\u76db\u987f\u5927\u6865\uff08NJ\u4fa7\uff09\u88ab\u8ffd\u5c3e\u3002\u57fa\u4e8eNJ\u53e3\u5934\u95e8\u69db\u7684\u521d\u6b21\u548c\u89e3\u63d0\u8bae\u4e3a$35,000\u3002\u5728\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u4ee3\u7406\u786e\u7acb\u690e\u95f4\u76d8\u7a81\u51fa\u4e3a&#8221;\u6c38\u4e45\u6027\u4f24\u5bb3&#8221;\u540e\uff0c\u548c\u89e3\u8fbe\u5230$185,000\uff08NJ\u8d23\u4efb\u9669$100K + UIM $85K\uff09\u3002<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u8054\u7cfb\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240<\/h2>\n<p class=\"wp-block-paragraph\">\u5982\u9700\u54a8\u8be2\u60a8\u7684\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\uff0c\u8bf7\u8054\u7cfb\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u2014\u2014\u670d\u52a1\u65b0\u6cfd\u897f\u3001\u7ebd\u7ea6\u3001\u5fb7\u5dde\u3001\u4f50\u6cbb\u4e9a\u3001\u4f5b\u7f57\u91cc\u8fbe\u7684\u97e9\u88d4\u7f8e\u56fd\u5f8b\u5e08\u56e2\u961f\u3002<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>\u7535\u8bdd\uff1a<\/strong>(201) 461-0031<\/li>\n<li><strong>\u90ae\u7bb1\uff1a<\/strong>office@songlawfirm.com<\/li>\n<li><strong>\u5730\u5740\uff1a<\/strong>Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024<\/li>\n<li><strong>\u5728\u7ebf\u54a8\u8be2\uff1a<\/strong><a href=\"https:\/\/songlawfirm.com\/consultation\/\">https:\/\/songlawfirm.com\/consultation\/<\/a><\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u514d\u8d23\u58f0\u660e<\/h2>\n<p class=\"wp-block-paragraph\">\u672c\u6587\u4ec5\u63d0\u4f9b\u4e00\u822c\u6cd5\u5f8b\u4fe1\u606f\uff0c\u5e76\u975e\u9488\u5bf9\u5177\u4f53\u6848\u4ef6\u7684\u6cd5\u5f8b\u610f\u89c1\u3002\u4e2a\u6848\u7ed3\u679c\u56e0\u4e8b\u5b9e\u800c\u5f02\uff0c\u8bf7\u76f4\u63a5\u54a8\u8be2\u5f8b\u5e08\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u4eba\u8eab\u4f24\u5bb3 \u00b7 NJ vs NY \u00b7 PIP \u00b7 \u65e0\u8fc7\u5931 \u00b7  [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26367,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[389,357],"tags":[4286,4374,4373,4371,4372],"class_list":["post-26387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category--columns","category-357","tag-nj-vs-ny","tag-4374","tag-4373","tag-4371","tag-4372"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u65b0\u6cfd\u897fvs\u7ebd\u7ea6 \u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u7684\u5173\u952e\u5dee\u5f02 - Song Law Firm<\/title>\n<meta name=\"description\" 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