{"id":27309,"date":"2026-07-27T08:30:00","date_gmt":"2026-07-27T12:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/week3-a-col-zh\/"},"modified":"2026-07-29T16:50:46","modified_gmt":"2026-07-29T20:50:46","slug":"week3-a-col-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/week3-a-col-zh\/","title":{"rendered":"\u5728 Uber\u00b7Lyft \u4e0a\u53d7\u4f24?\u65b0\u6cfd\u897f TNC \u4fdd\u9669\u4e09\u5c42\u7ed3\u6784\u5b8c\u5168\u89e3\u6790"},"content":{"rendered":"<div class=\"slf-article slf-round3 slf-personal_injury slf-column\">\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 \u6cd5\u5f8b\u4e13\u680f<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">NJ TNC \u6cd5\u6982\u8ff0<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Uber\u3001Lyft \u7b49\u4ea4\u901a\u7f51\u7edc\u516c\u53f8(TNC)\u5f15\u53d1\u7684\u4e8b\u6545\u5728\u65b0\u6cfd\u897f\u5dde\u53d7\u72ec\u7acb\u4fdd\u9669\u6846\u67b6\u76d1\u7ba1\u3002\u300a\u65b0\u6cfd\u897f\u5dde\u4ea4\u901a\u7f51\u7edc\u516c\u53f8\u5b89\u5168\u53ca\u76d1\u7ba1\u6cd5\u300b(N.J.S.A. 39:5H-1 et seq.)\u6309\u9a7e\u9a76\u5458\u78b0\u649e\u53d1\u751f\u65f6\u7684\u5e94\u7528\u72b6\u6001\u8bbe\u7acb\u5f3a\u5236\u4fdd\u9669\u5c42\u7ea7\u3002\u5224\u65ad\u9002\u7528\u54ea\u4e00\u5c42\u5f80\u5f80\u662f\u51b3\u5b9a\u53d7\u4f24\u4e58\u5ba2\u80fd\u5426\u83b7\u5f97\u6570\u5343\u8fd8\u662f\u6570\u5341\u4e07\u7f8e\u5143\u8d54\u507f\u7684\u5173\u952e\u56e0\u7d20,\u4e5f\u662f\u4eba\u8eab\u4f24\u5bb3\u5f8b\u5e08\u5728\u63a5\u6848\u540e\u5e94\u5f53\u9996\u5148\u5b8c\u6210\u7684\u5206\u6790\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u4e09\u5c42\u4fdd\u9669\u7ed3\u6784<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">TNC \u4fdd\u9669\u5206\u4e09\u5c42\u8fd0\u4f5c\u3002\u7b2c\u4e00\u5c42\u662f\u9a7e\u9a76\u5458\u4e2a\u4eba\u6c7d\u8f66\u4fdd\u9669,\u4ec5\u5728\u7f51\u7ea6\u8f66\u5e94\u7528\u5b8c\u5168\u5173\u95ed\u65f6\u9002\u7528\u3002\u591a\u6570\u4e2a\u4eba\u6c7d\u8f66\u627f\u4fdd\u4eba\u901a\u8fc7 livery exclusion \u6392\u9664\u7f51\u7ea6\u8f66\u6d3b\u52a8,\u56e0\u6b64\u9a7e\u9a76\u5458\u5f00\u542f\u5e94\u7528\u540e\u6b64\u5c42\u901a\u5e38\u5931\u6548\u3002\u7b2c\u4e8c\u5c42\u662f TNC contingent \u4fdd\u9669,\u9002\u7528\u4e8e Period 1\u2014\u2014\u9a7e\u9a76\u5458\u767b\u5f55\u4f46\u5c1a\u672a\u63a5\u5355\u671f\u95f4\u3002\u82e5\u4e2a\u4eba\u4fdd\u9669\u62d2\u4ed8,TNC contingent \u6309\u65b0\u6cfd\u897f\u5dde\u6cd5\u5b9a\u6700\u4f4e 50\/100\/25 \u652f\u4ed8:\u4eba\u8eab\u4f24\u5bb3\u6bcf\u4eba 5 \u4e07\u7f8e\u5143\u3001\u6bcf\u8d77 10 \u4e07\u7f8e\u5143\u3001\u8d22\u4ea7\u635f\u5931 2 \u4e07 5 \u5343\u7f8e\u5143\u3002\u7b2c\u4e09\u5c42\u662f TNC 100 \u4e07\u7f8e\u5143 primary \u4fdd\u9669,\u9002\u7528\u4e8e Period 2(\u9a7e\u9a76\u5458\u524d\u5f80\u63a5\u5ba2)\u4e0e Period 3(\u4e58\u5ba2\u4e0a\u8f66\u540e),\u4f5c\u4e3a primary \u627f\u4fdd 100 \u4e07\u7f8e\u5143\u8d54\u507f\u8d23\u4efb,\u7ea6\u4e3a\u4e00\u822c NJ \u6700\u4f4e\u4fdd\u9669\u7684\u5341\u81f3\u4e8c\u5341\u500d\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u6309\u9a7e\u9a76\u9636\u6bb5\u7684\u4fdd\u9669<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Period 0(\u5e94\u7528\u5173\u95ed):\u4ec5\u9002\u7528\u4e2a\u4eba\u6c7d\u8f66\u4fdd\u9669,\u65e0 TNC \u4fdd\u9669\u53ef\u7528\u3002Period 1(\u5e94\u7528\u5f00\u542f\u3001\u672a\u63a5\u5355):\u9996\u5148\u770b\u4e2a\u4eba\u4fdd\u9669;\u82e5\u88ab\u6392\u9664,TNC contingent \u6309 50\/100\/25 \u6700\u4f4e\u503c\u652f\u4ed8\u3002Period 2(\u524d\u5f80\u63a5\u5ba2):TNC 100 \u4e07\u7f8e\u5143 primary \u4fdd\u9669\u89e6\u53d1\u3002Period 3(\u4e58\u5ba2\u4e0a\u8f66):TNC 100 \u4e07\u7f8e\u5143 primary \u7ee7\u7eed\u9002\u7528\u3002\u4e58\u5ba2\u5728\u4e58\u8f66\u8fc7\u7a0b\u4e2d\u53d7\u4f24\u51e0\u4e4e\u603b\u662f\u5904\u4e8e Period 2 \u6216 Period 3,\u53ef\u542f\u52a8\u5b8c\u6574\u7684\u767e\u4e07\u7f8e\u5143\u4fdd\u9669\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">PIP \u9002\u7528<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u65b0\u6cfd\u897f PIP(N.J.S.A. 39:6A-4)\u6309\u65e0\u8fc7\u9519\u539f\u5219\u652f\u4ed8\u533b\u7597\u8d39\u7528\u3002\u4f5c\u4e3a Uber\/Lyft \u4e58\u5ba2\u53d7\u4f24\u65f6,PIP \u4f18\u5148\u987a\u5e8f\u4e3a:(1)\u672c\u4eba\u6240\u6709\u7684\u6c7d\u8f66 PIP;(2)\u540c\u4f4f\u5bb6\u5c5e\u7684\u6c7d\u8f66 PIP;(3)TNC \u9a7e\u9a76\u5458\u7684\u6c7d\u8f66 PIP;(4)TNC 100 \u4e07\u7f8e\u5143\u4fdd\u9669\u7684\u533b\u7597\u652f\u4ed8\u3002\u987a\u5e8f\u91cd\u8981,\u56e0\u4e3a PIP \u7d22\u8d54\u5ef6\u8fdf\u4f1a\u5bfc\u81f4\u533b\u7597\u673a\u6784\u4ed8\u6b3e\u5ef6\u8fdf,\u8fdb\u800c\u5f71\u54cd\u4e0e\u6cbb\u7597\u533b\u5e08\u7684\u5173\u7cfb,\u751a\u81f3\u53ef\u80fd\u9020\u6210\u8d26\u6237\u88ab\u9001\u81f3\u50ac\u6536\u9636\u6bb5\u800c\u6848\u4ef6\u4ecd\u5728\u63a8\u8fdb\u4e2d\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">UM\/UIM \u5229\u7528<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u591a\u8f66\u78b0\u649e\u4e8b\u6545\u4e2d\u82e5\u8087\u4e8b\u7b2c\u4e09\u65b9\u4ec5\u6301\u6700\u4f4e\u4fdd\u989d,\u300aN.J.S.A. 17:28-1.1\u300b\u4e0b\u7684 UM\/UIM(\u65e0\u4fdd\u9669\/\u4f4e\u4fdd\u9669\u9a7e\u9a76\u5458)\u4fdd\u969c\u81f3\u5173\u91cd\u8981\u3002TNC 100 \u4e07\u7f8e\u5143\u4fdd\u9669\u662f\u5426\u5305\u542b UM\/UIM \u56e0\u627f\u4fdd\u4eba\u4e0e\u4fdd\u5355\u5e74\u5ea6\u800c\u5f02,\u6848\u4ef6\u521d\u671f\u51e0\u5468\u5185\u5fc5\u987b\u53d6\u5f97\u5f53\u524d\u4fdd\u5355\u58f0\u660e\u9875\u3002\u4e58\u5ba2\u4e2a\u4eba UM\/UIM \u4e5f\u53ef\u80fd\u53ef\u7528,\u662f\u5426 stacking \u89c6\u4fdd\u5355\u6761\u6b3e\u4e0e\u5bb6\u5ead\u4fdd\u9669\u60c5\u51b5\u800c\u5b9a,\u6848\u4ef6\u63a5\u624b\u65f6\u7684\u5168\u9762\u4fdd\u9669\u5206\u6790\u5e38\u80fd\u53d1\u73b0\u539f\u672c\u53ef\u80fd\u9057\u6f0f\u7684\u989d\u5916\u6c42\u507f\u9014\u5f84\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u5b9e\u52a1\u63d0\u793a<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u82e5\u60a8\u5728 Uber \u6216 Lyft \u4e0a\u53d7\u4f24,\u5728\u5b89\u5168\u5141\u8bb8\u7684\u60c5\u51b5\u4e0b\u8bf7\u7acb\u5373:(1)\u622a\u56fe\u5e94\u7528\u5185\u4e58\u8f66\u8be6\u60c5(ride ID\u3001\u9a7e\u9a76\u5458\u59d3\u540d\u3001\u8f66\u8f86\u4fe1\u606f\u3001\u8def\u7ebf\u3001\u65f6\u95f4\u6233);(2)\u5c06\u884c\u7a0b\u6536\u636e\u90ae\u4ef6\u8f6c\u53d1\u7ed9\u81ea\u5df1\u53ca\u5f8b\u5e08;(3)\u540c\u65f6\u5411\u9a7e\u9a76\u5458\u4e2a\u4eba\u4fdd\u9669\u4e0e TNC \u4fdd\u9669\u53d1\u8d77\u7d22\u8d54\u4ee5\u4fdd\u7559\u6240\u6709\u6c42\u507f\u6e20\u9053\u3002\u7f51\u7ea6\u8f66\u5e94\u7528\u901a\u5e38\u5728 90 \u5929\u540e\u6e05\u9664\u8be6\u7ec6\u884c\u7a0b\u6570\u636e,\u56e0\u6b64\u65e9\u671f\u4fdd\u7559\u622a\u56fe\u3001ride ID \u4e0e\u6536\u636e\u81f3\u5173\u91cd\u8981\u3002\u4e0d\u8981\u6307\u671b\u5e73\u53f0\u5728\u6570\u6708\u540e\u4ecd\u80fd\u68c0\u7d22\u5b8c\u6574\u8bb0\u5f55\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u5e38\u89c1\u95ee\u9898<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q. Uber \u9a7e\u9a76\u5458\u8087\u4e8b,\u4e58\u5ba2\u5411\u8c01\u7d22\u8d54?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. Period 2 \u4e0e 3 \u671f\u95f4,\u53ef\u76f4\u63a5\u5411 TNC 100 \u4e07\u7f8e\u5143 primary \u4fdd\u9669\u7d22\u8d54\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q. Uber \u8f66\u8f86\u88ab\u5176\u4ed6\u8f66\u8ffd\u5c3e\u600e\u4e48\u529e?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \u8087\u4e8b\u7b2c\u4e09\u65b9\u4fdd\u9669\u4e3a primary,\u82e5\u5176\u4fdd\u989d\u4e0d\u8db3,TNC UM\/UIM \u53ef\u8865\u8db3\u5dee\u989d\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Q. \u5982\u4f55\u9884\u7ea6\u521d\u671f\u54a8\u8be2?<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">A. \u8bf7\u81f4\u7535 201.461.0031 \u6216\u53d1\u90ae\u4ef6\u81f3 mail@songlawfirm.com\u3002\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u5c06\u5ba1\u9605\u4e8b\u6545\u7ec6\u8282\u5e76\u89c4\u5212\u7d22\u8d54\u7b56\u7565\u3002\u7ed3\u679c\u65e0\u6cd5\u4fdd\u8bc1,\u4f46\u521d\u671f\u54a8\u8be2\u53ef\u660e\u786e\u60a8\u6f5c\u5728\u7d22\u8d54\u7684\u8303\u56f4\u4e0e\u5148\u540e\u987a\u5e8f\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;\">\u7acb\u5373\u9884\u7ea6\u521d\u671f\u54a8\u8be2\u3002<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\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 \/>\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;\"><strong style=\"color:#333;\">\u514d\u8d23\u58f0\u660e<\/strong> \u00b7 \u6839\u636e\u65b0\u6cfd\u897f\u5dde\u5f8b\u5e08\u804c\u4e1a\u884c\u4e3a\u89c4\u5219 7.1,\u8fc7\u5f80\u7ed3\u679c\u4e0d\u80fd\u4fdd\u8bc1\u76f8\u540c\u7ed3\u679c\u3002\u6848\u4ef6\u7ed3\u679c\u56e0\u4e8b\u5b9e\u00b7\u8bc1\u636e\u00b7\u9002\u7528\u6cd5\u5f8b\u00b7\u653f\u7b56\u53d8\u5316\u7b49\u56e0\u7d20\u800c\u5f02\u3002\u672c\u6587\u5c5e\u4e00\u822c\u6cd5\u5f8b\u4fe1\u606f,\u4e0d\u6784\u6210\u6cd5\u5f8b\u5efa\u8bae,\u53d1\u5e03\u4e0d\u6784\u6210\u5f8b\u5e08\u4e0e\u59d4\u6258\u4eba\u5173\u7cfb\u3002\u5177\u4f53\u6848\u4ef6\u8bf7\u52a1\u5fc5\u76f4\u63a5\u54a8\u8be2\u5177\u5907\u8d44\u8d28\u7684\u5f8b\u5e08\u3002<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\u5728 Uber\u00b7Lyft \u4e0a\u53d7\u4f24?\u65b0\u6cfd\u897f TNC \u4fdd\u9669\u4e09\u5c42\u7ed3\u6784\u5b8c\u5168\u89e3\u6790\", \"description\": \"NJ Uber\/Lyft \u4e8b\u6545\u4e09\u5c42\u4fdd\u9669\u7ed3\u6784\u3001PIP \u4f18\u5148\u987a\u5e8f\u4e0e UM\/UIM \u5b9e\u52a1\u89e3\u6790,\u57fa\u4e8e N.J.S.A. 39:5H-1\u3002\u521d\u671f\u54a8\u8be2 201.461.0031\", \"datePublished\": \"2026-07-27T08:30:00\", \"author\": {\"@type\": \"Organization\", \"name\": \"Song Law Firm\"}, \"publisher\": {\"@type\": \"LegalService\", \"name\": \"Song Law Firm\", \"url\": \"https:\/\/songlawfirm.com\", \"telephone\": \"+1-201-461-0031\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"400 Kelby Street, Suite 1900\", \"addressLocality\": \"Fort Lee\", \"addressRegion\": \"NJ\", \"postalCode\": \"07024\", \"addressCountry\": \"US\"}, \"areaServed\": [\"NJ\", \"NY\"]}, \"inLanguage\": \"zh-CN\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4eba\u8eab\u4f24\u5bb3 \u00b7 \u6cd5\u5f8b\u4e13\u680f NJ TNC \u6cd5\u6982\u8ff0 Uber\u3001Ly 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