{"id":26709,"date":"2026-07-13T17:18:02","date_gmt":"2026-07-13T21:18:02","guid":{"rendered":"https:\/\/songlawfirm.com\/week-batch-a-col-zh\/"},"modified":"2026-07-13T17:18:02","modified_gmt":"2026-07-13T21:18:02","slug":"week-batch-a-col-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/week-batch-a-col-zh\/","title":{"rendered":"\u6469\u6258\u8f66\u4e8b\u6545\u540e\u5fc5\u987b\u6838\u5b9e\u7684\u4fdd\u9669\u7d22\u8d54\u6d41\u7a0b (NJ)"},"content":{"rendered":"<div class=\"slf-article slf-week-batch\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">\u4eba\u8eab\u4f24\u5bb3 \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240 \u6cd5\u5f8b\u4e13\u680f<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Personal Injury \u00b7 \u4e8b\u6545\u4f24\u5bb3 \u00b7 Personal Injury<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5f15\u8a00 \u2014 \u6469\u6258\u8f66\u4e8b\u6545\u4e0e\u6c7d\u8f66\u4e8b\u6545\u4e0d\u540c<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u6469\u6258\u8f66\u4e8b\u6545\u5728\u7ed3\u6784\u4e0a\u4e0e\u666e\u901a\u6c7d\u8f66\u4e8b\u6545\u6709\u8bf8\u591a\u4e0d\u540c\u3002\u9a91\u624b\u8eab\u4f53\u66b4\u9732\u4e8e\u5916,\u4f24\u60c5\u901a\u5e38\u66f4\u4e25\u91cd,\u4e8b\u6545\u540e\u7684\u8f6c\u8fd0\u3001\u6025\u6551\u548c\u5eb7\u590d\u8fc7\u7a0b\u4e5f\u5f80\u5f80\u663e\u8457\u66f4\u957f\u3002\u5728\u65b0\u6cfd\u897f\u5dde,\u6c7d\u8f66\u4fdd\u9669\u9002\u7528\u4e8e\u6469\u6258\u8f66\u9a7e\u9a76\u4eba\u7684\u65b9\u5f0f\u4e0e\u666e\u901a\u4e58\u7528\u8f66\u4e0d\u540c,\u5982\u679c\u5728\u4e8b\u6545\u53d1\u751f\u540e\u672a\u80fd\u7acb\u5373\u51c6\u786e\u7406\u89e3\u8fd9\u4e00\u5dee\u5f02,\u5c31\u5e38\u5e38\u4f1a\u5931\u53bb\u5e94\u5f97\u7684\u8865\u507f\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u7279\u522b\u662f\u57282022\u5e74\u65b0\u6cfd\u897f\u5dde\u63d0\u9ad8\u6c7d\u8f66\u4fdd\u9669\u6700\u4f4e\u8d23\u4efb\u9650\u989d\u4e4b\u540e,\u4ecd\u6709\u4e00\u4e2a\u88ab\u5e7f\u6cdb\u8bef\u89e3\u7684\u95ee\u9898:\u6469\u6258\u8f66\u672c\u8eab\u5e76\u4e0d\u5f3a\u5236\u9002\u7528 PIP(Personal Injury Protection)\u3002\u672c\u7bc7\u4e13\u680f\u68b3\u7406\u6469\u6258\u8f66\u4e8b\u6545\u540e\u5fc5\u987b\u7acb\u5373\u6838\u5b9e\u7684\u4fdd\u9669\u7d22\u8d54\u6d41\u7a0b,\u4ee5\u53ca\u53ef\u901a\u8fc7\u591a\u91cd\u4fdd\u9669\u6765\u6e90\u6062\u590d\u7684\u635f\u5931\u9879\u76ee\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u6cd5\u5f8b\u80cc\u666f \u2014 \u6469\u6258\u8f66\u4e0e\u65b0\u6cfd\u897f PIP \u7684\u5173\u7cfb<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u65b0\u6cfd\u897f\u5dde\u6c7d\u8f66\u4fdd\u9669\u6cd5(N.J.S.A. 39:6A-1 \u53ca\u4ee5\u4e0b)\u8981\u6c42\u6c7d\u8f66(automobile)\u6240\u6709\u4eba\u6295\u4fdd PIP\u3002\u7136\u800c N.J.S.A. 39:6A-2(a) \u5173\u4e8e &quot;automobile&quot; \u7684\u5b9a\u4e49\u660e\u786e\u5c06\u6469\u6258\u8f66\u6392\u9664\u5728\u5916\u3002\u56e0\u6b64,\u9664\u975e\u5728\u6469\u6258\u8f66\u4fdd\u5355\u4e2d\u53e6\u884c\u52a0\u4fdd PIP \u9644\u52a0\u9669,\u5426\u5219\u6469\u6258\u8f66\u9a7e\u9a76\u4eba\u5728\u4e8b\u6545\u53d1\u751f\u65f6\u65e0\u6cd5\u4f7f\u7528\u81ea\u5df1\u7684 PIP \u652f\u4ed8\u533b\u7597\u8d39\u7528\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">N.J.S.A. 39:6A-3.3 \u89c4\u5b9a\u4e86\u6469\u6258\u8f66\u4fdd\u9669\u7684\u72ec\u7acb\u7ba1\u7406\u3002\u6469\u6258\u8f66\u9a7e\u9a76\u4eba\u53d1\u751f\u4e8b\u6545\u65f6,\u5fc5\u987b\u4f9d\u6b21\u5ba1\u67e5\u4ee5\u4e0b\u6765\u6e90:(1) \u6469\u6258\u8f66\u4fdd\u5355\u7684 Medical Payments(MedPay)\u9644\u52a0\u9669,(2) \u672c\u4eba\u5065\u5eb7\u4fdd\u9669,(3) \u5bf9\u65b9\u8d23\u4efb\u9669(Third Party Liability),(4) Uninsured\/Underinsured Motorist(UM\/UIM)\u4fdd\u969c\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u6b64\u5916,\u4eba\u8eab\u635f\u5bb3\u8d54\u507f\u8bf7\u6c42\u7684\u8bc9\u8bbc\u65f6\u6548\u6839\u636e N.J.S.A. 2A:14-2 \u4e3a\u4e8b\u6545\u53d1\u751f\u4e4b\u65e5\u8d77\u4e24\u5e74\u3002\u6469\u6258\u8f66\u4e8b\u6545\u7684\u4f24\u60c5\u6062\u590d\u671f\u8f83\u957f,\u7d22\u8d54\u65f6\u70b9\u5bb9\u6613\u5ef6\u540e,\u56e0\u6b64\u65f6\u6548\u7ba1\u7406\u5c24\u4e3a\u91cd\u8981\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5fc5\u987b\u6838\u5b9e\u7684\u4fdd\u9669\u7d22\u8d54\u6d41\u7a0b<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2460 \u4e8b\u6545\u73b0\u573a\u5fc5\u987b\u786e\u4fdd\u7684\u4fe1\u606f<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u62a5\u8b66\u5e76\u53d6\u5f97\u6b63\u5f0f\u7684\u4e8b\u6545\u62a5\u544a(Police Crash Report)\u3002\u6469\u6258\u8f66\u4e8b\u6545\u4e2d,\u8fc7\u5931\u5224\u65ad\u5f88\u5927\u7a0b\u5ea6\u4f9d\u8d56\u76ee\u51fb\u8005\u9648\u8ff0,\u52a1\u5fc5\u6536\u96c6\u73b0\u573a\u4eba\u5458\u7684\u8054\u7cfb\u65b9\u5f0f\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u4ece\u591a\u89d2\u5ea6\u62cd\u6444\u4e8b\u6545\u73b0\u573a\u7684\u8def\u9762\u72b6\u51b5\u3001\u7167\u660e\u3001\u6807\u5fd7\u548c\u8f66\u8f86\u4f4d\u7f6e\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u62cd\u6444\u5bf9\u65b9\u8f66\u8f86\u4fe1\u606f(\u8f66\u724c\u3001\u9a7e\u7167\u3001\u4fdd\u9669\u5361)\u548c\u8f66\u8f86\u635f\u574f\u90e8\u4f4d\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5982\u6709\u53ef\u80fd,\u5411\u6025\u6551\u4eba\u5458\u786e\u8ba4\u5bf9\u4e8b\u6545\u8d77\u56e0\u7684\u521d\u6b65\u89c2\u5bdf\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2461 \u6838\u5b9e\u672c\u4eba\u6469\u6258\u8f66\u4fdd\u5355<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u786e\u8ba4\u662f\u5426\u52a0\u4fdd Medical Payments(MedPay)\u9644\u52a0\u9669\u3002\u82e5\u5df2\u52a0\u4fdd,\u53ef\u4f18\u5148\u7533\u8bf7\u6025\u8bca\u3001\u624b\u672f\u8d39\u7528\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u786e\u8ba4 UM\/UIM \u4fdd\u969c\u9650\u989d(N.J.S.A. 17:28-1.1)\u3002\u5f53\u5bf9\u65b9\u65e0\u4fdd\u9669\u6216\u4ec5\u6295\u4fdd\u4f4e\u989d\u4fdd\u9669\u65f6\u81f3\u5173\u91cd\u8981\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u901a\u8fc7 Collision\/Comprehensive \u4fdd\u969c\u8fc5\u901f\u8ffd\u56de\u8f66\u8f86\u635f\u5931\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2462 \u4f7f\u7528\u672c\u4eba\u5065\u5eb7\u4fdd\u9669<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u7531\u4e8e\u65e0 PIP,\u6025\u8bca\u548c\u624b\u672f\u8d39\u7684\u76f8\u5f53\u90e8\u5206\u5c06\u7531\u672c\u4eba\u5065\u5eb7\u4fdd\u9669\u8d1f\u62c5\u3002Medicare\u3001Medicaid \u53d7\u76ca\u4eba\u5728\u4e8b\u540e\u8d54\u507f\u91d1\u4e2d\u4f1a\u51fa\u73b0 subrogation,\u9700\u8981\u53e6\u884c\u7ba1\u7406\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">ERISA plan \u53c2\u4e0e\u4eba\u53ef\u80fd\u9002\u7528\u66f4\u4e25\u683c\u7684 subrogation \u6761\u6b3e,\u987b\u4e0e\u5f8b\u5e08\u534f\u8c03\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u2463 \u5bf9\u65b9\u8d23\u4efb\u9669\u7d22\u8d54<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Third Party Liability \u7d22\u8d54\u662f\u6469\u6258\u8f66\u4e8b\u6545\u5b9e\u8d28\u6062\u590d\u7684\u6838\u5fc3\u3002\u65b0\u6cfd\u897f\u5dde\u9002\u7528 modified comparative negligence(N.J.S.A. 2A:15-5.1),\u672c\u4eba\u8fc7\u5931\u5728 50% \u4ee5\u4e0b\u65f6,\u53ef\u6309\u6bd4\u4f8b\u6263\u51cf\u540e\u4ecd\u80fd\u4e3b\u5f20\u8d54\u507f\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u4e3a\u514b\u670d\u5bf9\u6469\u6258\u8f66\u9a7e\u9a76\u4eba\u7684\u504f\u89c1,\u5e38\u9700\u4e8b\u6545\u91cd\u5efa\u4e13\u5bb6\u6216\u5de5\u7a0b\u5e08\u9274\u5b9a\u610f\u89c1\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5e38\u89c1\u95ee\u9898 (FAQ)<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q1. \u662f\u6469\u6258\u8f66\u4e8b\u6545,\u4e3a\u4ec0\u4e48\u4e0d\u80fd\u4f7f\u7528\u672c\u4eba PIP?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \u56e0\u4e3a\u65b0\u6cfd\u897f\u6c7d\u8f66\u4fdd\u9669\u6cd5\u4e2d &quot;automobile&quot; \u7684\u5b9a\u4e49(N.J.S.A. 39:6A-2)\u5c06\u6469\u6258\u8f66\u6392\u9664\u5728\u5916\u3002\u5982\u679c\u6469\u6258\u8f66\u4fdd\u5355\u672a\u53e6\u884c\u52a0\u4fdd MedPay \u9644\u52a0\u9669,\u672c\u4eba\u5065\u5eb7\u4fdd\u9669\u5c06\u6210\u4e3a\u521d\u671f\u533b\u7597\u8d39\u7684\u4e3b\u8981\u6765\u6e90\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q2. \u672a\u4f69\u6234\u5934\u76d4\u5c31\u65e0\u6cd5\u7d22\u8d54\u4e86\u5417?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \u65b0\u6cfd\u897f\u5dde\u6839\u636e N.J.S.A. 39:3-76.7 \u8981\u6c42\u6469\u6258\u8f66\u9a7e\u9a76\u4eba\u548c\u4e58\u5ba2\u4f69\u6234\u5934\u76d4\u3002\u672a\u4f69\u6234\u5c5e\u8fdd\u89c4,\u4f46\u5e76\u4e0d\u5c01\u9501\u7d22\u8d54\u672c\u8eab\u3002\u7136\u800c\u5728\u5934\u9888\u90e8\u4f24\u60c5\u7684\u56e0\u679c\u5173\u7cfb\u6297\u8fa9\u4e2d,\u53ef\u80fd\u4f5c\u4e3a comparative negligence \u56e0\u7d20\u88ab\u4f7f\u7528,\u9700\u8981\u76f8\u5e94\u5e94\u5bf9\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q3. \u5bf9\u65b9\u65e0\u4fdd\u9669\u600e\u4e48\u529e?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \u901a\u8fc7\u672c\u4eba\u6469\u6258\u8f66\u4fdd\u5355\u7684 Uninsured Motorist(UM)\u4fdd\u969c\u4e3b\u5f20\u7d22\u8d54\u3002\u5728 UM \u9650\u989d\u5185\u53ef\u4e3b\u5f20\u533b\u7597\u8d39\u3001\u8bef\u5de5\u635f\u5931\u3001\u75bc\u75db\u4e0e\u75db\u82e6\u3002\u82e5 UM \u9650\u989d\u4e0d\u8db3,\u53e6\u884c\u5ba1\u67e5\u5bb6\u5ead\u6210\u5458\u5176\u4ed6\u6c7d\u8f66\u4fdd\u9669\u7684 UM \u4fdd\u969c\u662f\u5426\u53ef\u4ee5 stacking\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q4. \u4e8b\u6545\u5f53\u65f6\u65e0\u75db,\u6570\u65e5\u540e\u51fa\u73b0\u795e\u7ecf\u75c7\u72b6\u600e\u4e48\u529e?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \u7acb\u5373\u5c31\u8bca\u795e\u7ecf\u79d1\u6216\u9aa8\u79d1,\u5e76\u8981\u6c42\u5728\u75c5\u5386\u4e2d\u660e\u786e\u8bb0\u8f7d\u4e0e\u4e8b\u6545\u7684\u56e0\u679c\u5173\u7cfb\u3002\u6469\u6258\u8f66\u4e8b\u6545\u540e\u5ef6\u8fdf\u51fa\u73b0\u7684\u4ee3\u8868\u6027\u75c7\u72b6\u5305\u62ec\u8170\u90e8\u795e\u7ecf\u6839\u75c5\u3001\u80a9\u8896\u6495\u88c2\u3001\u9888\u690e\u95f4\u76d8\u635f\u4f24\u7b49\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q5. \u6469\u6258\u8f66\u4e8b\u6545\u548c\u89e3\u65f6\u673a\u4f55\u65f6\u4e3a\u5b9c?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \u539f\u5219\u4e0a\u5728\u8fbe\u5230 Maximum Medical Improvement(MMI)\u4e4b\u540e\u8f83\u4e3a\u7a33\u59a5\u3002\u8fc7\u65e9\u548c\u89e3\u5bb9\u6613\u5bfc\u81f4\u653e\u5f03\u5bf9\u672a\u6765\u518d\u624b\u672f\u3001\u5eb7\u590d\u8d39\u7528\u3001\u540e\u9057\u75c7\u7684\u7d22\u8d54\u6743\u3002\u5e94\u5728\u4e24\u5e74\u8bc9\u8bbc\u65f6\u6548\u5185,\u5728\u533b\u5b66\u72b6\u51b5\u5c3d\u53ef\u80fd\u7a33\u5b9a\u4e4b\u65f6\u8fdb\u884c\u534f\u5546\u66f4\u4e3a\u6709\u5229\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5b9e\u52a1\u542f\u793a<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u4e3e\u4f8b\u800c\u8a00,\u5047\u8bbe\u65b0\u6cfd\u897f\u5dde\u4e00\u540d 40 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\u8fdb\u884c\u534f\u5546\u3002\u82e5\u5bf9\u65b9\u4ec5\u6295\u4fdd\u6700\u4f4e\u8d23\u4efb\u9650\u989d,\u8fd8\u9700\u5c06 UM\/UIM \u7d22\u8d54\u7eb3\u5165\u7b56\u7565,\u4ee5\u6269\u5927\u5b9e\u9645\u6062\u590d\u91d1\u989d\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u6469\u6258\u8f66\u4e8b\u6545\u4f24\u60c5\u91cd\u3001\u6d89\u53ca\u591a\u91cd\u4fdd\u9669\u6765\u6e90,\u81ea\u4e8b\u6545\u521d\u671f\u8d77\u4e0e\u80fd\u4ee5\u97e9\u8bed\u76f4\u63a5\u6c9f\u901a\u7684\u97e9\u88d4\u5f8b\u5e08\u534f\u4f5c,\u6709\u52a9\u4e8e\u786e\u4fdd\u7d22\u8d54\u6d41\u7a0b\u7684\u6bcf\u4e00\u6b65\u4e0d\u88ab\u9057\u6f0f\u3002<\/p>\n<div class=\"slf-contact-block\" style=\"background:#fafaf7;border-left:4px solid #98344A;padding:24px 26px;margin:36px 0 24px;border-radius:6px;\">\n<p style=\"margin:0 0 8px;font-size:14px;letter-spacing:.2em;color:#98344A;font-weight:700;\">SONG LAW FIRM \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240<\/p>\n<p style=\"margin:0 0 12px;font-size:18px;color:#1a1a1a;font-weight:700;\">\u9047\u5230\u7c7b\u4f3c\u6848\u4ef6?\u7acb\u5373\u9884\u7ea6\u54a8\u8be2\u3002<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\n\ud83d\udcde <strong>201.461.0031<\/strong> &nbsp;\u00b7&nbsp; \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">mail@songlawfirm.com<\/a> &nbsp;\u00b7&nbsp; \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">songlawfirm.com<\/a><br \/>\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n<div class=\"slf-disclaimer\" style=\"margin:32px 0 8px;padding:16px 18px;background:#f5f5f2;border:1px solid #e5e5e2;border-radius:4px;font-size:12.5px;line-height:1.65;color:#555;\">\n<strong style=\"color:#333;\">\u514d\u8d23\u58f0\u660e<\/strong> &middot; 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