{"id":27450,"date":"2026-08-06T10:30:00","date_gmt":"2026-08-06T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=27450"},"modified":"2026-08-06T10:30:00","modified_gmt":"2026-08-06T14:30:00","slug":"um-uninsured-motorist-2026-08-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/um-uninsured-motorist-2026-08-zh\/","title":{"rendered":"UM(\u65e0\u4fdd\u9669\u53f8\u673a)\u7d22\u8d54\u5b9e\u6218 \u2014 \u5bf9\u65b9\u65e0\u4fdd\u9669\u65f6\u5982\u4f55\u52a8\u7528\u81ea\u5df1\u7684\u4fdd\u5355"},"content":{"rendered":"<div class=\"slf-article slf-daily-pi\">\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\u6cd5 \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240 \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;\">\u60c5\u51b5\u6982\u8ff0<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u65b0\u6cfd\u897f\u76f8\u5f53\u6bd4\u4f8b\u7684\u8f66\u7978\u4e2d,\u8087\u4e8b\u53f8\u673a\u6839\u672c\u6ca1\u6709\u8d2d\u4e70\u4fdd\u9669,\u6216\u8005\u5c5e\u4e8e\u9003\u9038(hit-and-run)\u65e0\u6cd5\u8fa8\u660e\u8eab\u4efd\u3002\u6b64\u65f6,\u53d7\u4f24\u7684\u9a7e\u9a76\u4eba\u6216\u4e58\u5ba2\u51e0\u4e4e\u53ea\u5269\u4e0b\u4e00\u6761\u5b9e\u9645\u7684\u8ffd\u507f\u9014\u5f84:\u81ea\u8eab\u6c7d\u8f66\u4fdd\u5355\u4e2d\u7684UM(Uninsured Motorist,\u65e0\u4fdd\u9669\u53f8\u673a)\u4fdd\u969c\u3002UM\u7d22\u8d54\u662f\u5411\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7684\u7d22\u8d54,\u56e0\u6b64\u4ece\u4e00\u5f00\u59cb\u53cc\u65b9\u7684\u5229\u76ca\u5c31\u76f8\u4e92\u5bf9\u7acb\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u6cd5\u5f8b\u6982\u5ff5<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">UM\u6db5\u76d6\u5bf9\u65b9\u53f8\u673a\u5b8c\u5168\u6ca1\u6709\u8d23\u4efb\u4fdd\u9669,\u6216\u5c5e\u4e8e\u9003\u9038\u60c5\u5f62\u6240\u5bfc\u81f4\u7684\u8eab\u4f53\u4f24\u5bb3\u3002UIM(Underinsured Motorist)\u662f\u76f8\u5173\u4f46\u4e0d\u540c\u7684\u4fdd\u969c,\u9002\u7528\u4e8e\u5bf9\u65b9\u4fdd\u9669\u91d1\u989d\u4e0d\u8db3\u7684\u60c5\u5f62;\u672c\u6587\u4ee5UM\u4e3a\u4e3b\u9898\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">UM\u7d22\u8d54\u65e2\u662f\u5bf9\u81ea\u5df1\u4fdd\u9669\u516c\u53f8\u7684\u5408\u540c\u7d22\u8d54,\u53c8\u4e0e\u4ee3\u4f4d\u6c42\u507f(subrogation)\u76f8\u5173\u8054\u3002\u4fdd\u9669\u516c\u53f8\u5411\u4f60\u8d54\u4ed8\u540e,\u5373\u53d6\u5f97\u9488\u5bf9\u65e0\u4fdd\u9669\u53f8\u673a\u7684\u8ffd\u507f\u6743\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u65b0\u6cfd\u897f\u89c4\u5b9a<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u4e3b\u8981\u6cd5\u6761\u4e0e\u89c4\u5219\u5982\u4e0b:<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">N.J.S.A. 17:28-1.1 \u2014 \u65b0\u6cfd\u897f\u5dde\u9500\u552e\u7684\u6240\u6709\u6c7d\u8f66\u4fdd\u9669\u5fc5\u987b\u5305\u542bUM\/UIM\u4fdd\u969c;\u6700\u4f4e\u8eab\u4f53\u4f24\u5bb3\u9650\u989d\u4e3a\u6bcf\u4eba$15,000\u3001\u6bcf\u8d77\u4e8b\u6545$30,000,\u8d22\u4ea7\u635f\u5931$5,000<\/li>\n<li style=\"margin:5px 0;\">N.J.S.A. 39:6A-8 \u2014 Verbal Threshold\u7b49\u95e8\u69db\u89c4\u5219\u540c\u6837\u9002\u7528\u4e8eUM\u7d22\u8d54<\/li>\n<li style=\"margin:5px 0;\">\u5927\u591a\u6570UM\u6761\u6b3e\u5305\u542b\u5f3a\u5236\u4ef2\u88c1(mandatory arbitration),\u5c0f\u989d\u7d22\u8d54\u65e0\u9700\u6cd5\u9662\u5ba1\u7406\u5373\u53ef\u88c1\u51b3<\/li>\n<li style=\"margin:5px 0;\">Anti-stacking \u2014 \u81ea1988\u5e74\u8d77,\u65b0\u6cfd\u897f\u7981\u6b62\u5c06\u540c\u4e00\u4fdd\u5355\u4e0b\u591a\u8f86\u8f66\u7684UM\u9650\u989d\u5408\u5e76\u7d22\u8d54<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u7531\u4e8e\u81ea\u8eab\u4fdd\u5355\u7684Verbal Threshold\u540c\u6837\u9002\u7528\u4e8eUM\u7d22\u8d54,\u975e\u7ecf\u6d4e\u635f\u5931\u9700\u8981\u8fbe\u5230\u516d\u7c7b\u6cd5\u5b9a\u4f24\u5bb3\u4e4b\u4e00\u624d\u80fd\u4e3b\u5f20\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u5b9e\u6218\u5bf9\u7b56<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u4e8b\u6545\u540e\u5e94\u5c3d\u5feb\u4ee5\u4e66\u9762\u65b9\u5f0f(\u542b\u7535\u5b50\u90ae\u4ef6)\u5411\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u53d1\u51faUM\u7d22\u8d54\u901a\u77e5\u3002\u4fdd\u5355\u901a\u5e38\u8981\u6c42&quot;\u5408\u7406\u65f6\u95f4&quot;\u5185\u901a\u77e5,30\u5929\u5185\u4e3a\u7a33\u59a5\u505a\u6cd5\u3002<\/li>\n<li style=\"margin:5px 0;\">\u9003\u9038\u60c5\u5f62\u52a1\u5fc5\u62a5\u8b66,\u53d6\u5f97police report\u62a5\u6848\u53f7\u3002\u591a\u6570UM\u6761\u6b3e\u4ee5\u8b66\u65b9\u62a5\u6848\u4e3a\u627f\u4fdd\u524d\u63d0\u3002<\/li>\n<li style=\"margin:5px 0;\">\u4e8b\u6545\u73b0\u573a\u3001\u4f24\u60c5\u3001\u533b\u7597\u8d39\u7b49\u8bc1\u636e\u8981\u4e0e\u5bf9\u7b2c\u4e09\u65b9\u7d22\u8d54\u540c\u7b49\u6807\u51c6\u52a0\u4ee5\u4fdd\u5168,\u56e0\u4e3a\u4fdd\u9669\u516c\u53f8\u82e5\u62d2\u7edd\u8d54\u4ed8,\u5c06\u7acb\u5373\u8fdb\u5165\u4ef2\u88c1\u7a0b\u5e8f\u3002<\/li>\n<li style=\"margin:5px 0;\">\u5728\u4fdd\u9669\u516c\u53f8\u8981\u6c42\u7684\u5ba3\u8a93\u8be2\u95ee(EUO)\u524d,\u5e94\u5148\u54a8\u8be2\u72ec\u7acb\u5f8b\u5e08\u3002<\/li>\n<li style=\"margin:5px 0;\">\u4e0e\u81ea\u5df1\u4fdd\u9669\u516c\u53f8\u6c9f\u901a\u65f6,\u5f55\u97f3\u9648\u8ff0\u987b\u8c28\u614e \u2014 \u8bf7\u59cb\u7ec8\u8bb0\u4f4f,\u53cc\u65b9\u5229\u76ca\u6b64\u65f6\u662f\u5bf9\u7acb\u7684\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u5e38\u89c1\u8bef\u89e3<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">&quot;\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u4f1a\u7ad9\u5728\u6211\u8fd9\u8fb9\u3002&quot; \u4e00\u65e6\u63d0\u51faUM\u7d22\u8d54,\u4fdd\u9669\u516c\u53f8\u5728\u8d54\u4ed8\u91d1\u989d\u4e0a\u4e0e\u88ab\u4fdd\u4eba\u5229\u76ca\u76f4\u63a5\u51b2\u7a81\u3002<\/li>\n<li style=\"margin:5px 0;\">&quot;UM\u8d54\u4ed8\u6765\u81ea\u5bf9\u65b9\u4fdd\u9669\u3002&quot; \u4e8b\u5b9e\u4e0a\u7531\u81ea\u5df1\u4fdd\u9669\u516c\u53f8\u5148\u884c\u8d54\u4ed8,\u4e4b\u540e\u5411\u65e0\u4fdd\u9669\u53f8\u673a\u4ee3\u4f4d\u8ffd\u507f\u3002<\/li>\n<li style=\"margin:5px 0;\">&quot;\u63d0\u51faUM\u7d22\u8d54\u4f1a\u5bfc\u81f4\u4fdd\u8d39\u4e0a\u6da8\u3002&quot; \u65b0\u6cfd\u897f\u6cd5\u5f8b\u7981\u6b62\u4ec5\u56e0\u88ab\u4fdd\u4eba\u63d0\u51faUM\u7d22\u8d54\u800c\u4e0a\u8c03\u4fdd\u8d39\u3002<\/li>\n<li style=\"margin:5px 0;\">&quot;\u5c0f\u989d\u4e0d\u5fc5\u63d0\u51fa\u3002&quot; \u62d6\u5ef6\u53ef\u80fd\u56e0\u901a\u77e5\u671f\u6216\u65f6\u6548\u95ee\u9898\u5bfc\u81f4UM\u7d22\u8d54\u6743\u4e27\u5931,\u5c24\u5176\u5728\u540e\u7eed\u627e\u5230\u7b2c\u4e09\u65b9\u88ab\u544a\u65f6\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;\">\u8981\u70b9\u603b\u7ed3<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u65b0\u6cfd\u897f\u6bcf\u4efd\u6c7d\u8f66\u4fdd\u5355\u90fd\u5305\u542bUM\/UIM,\u4f46\u8bb8\u591a\u4fdd\u5355\u4ec5\u7ef4\u6301\u6cd5\u5b9a\u6700\u4f4e\u9650\u989d\u3002\u4e8b\u6545\u524d\u5ba1\u89c6\u4fdd\u989d\u662f\u4f4e\u6210\u672c\u7684\u9884\u9632\u63aa\u65bd\u3002<\/li>\n<li style=\"margin:5px 0;\">UM\u7d22\u8d54\u9762\u5411\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8,\u53cc\u65b9\u5229\u76ca\u4ece\u8d77\u70b9\u5373\u5bf9\u7acb\u3002<\/li>\n<li style=\"margin:5px 0;\">\u9003\u9038\u6848\u4ef6\u901a\u5e38\u8981\u6c42\u8b66\u65b9\u62a5\u6848\u4e0e\u53ca\u65f6\u901a\u77e5\u3002<\/li>\n<li style=\"margin:5px 0;\">Verbal Threshold\u4e0e51%\u89c4\u5219\u540c\u6837\u9002\u7528\u4e8eUM\u7d22\u8d54\u3002<\/li>\n<li style=\"margin:5px 0;\">\u65b0\u6cfd\u897f\u9075\u5faaanti-stacking\u539f\u5219,\u540c\u4e00\u4fdd\u5355\u4e0b\u591a\u8f86\u8f66\u7684UM\u9650\u989d\u4e0d\u80fd\u5408\u5e76\u3002<\/li>\n<\/ul>\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<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u5982\u679c\u4e4b\u540e\u627e\u5230\u4e86\u8087\u4e8b\u53f8\u673a,UM\u7d22\u8d54\u4f1a\u5982\u4f55?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u4e00\u65e6\u5bf9\u65b9\u53f8\u673a\u8eab\u4efd\u786e\u8ba4\u4e14\u6709\u4fdd\u9669,\u7d22\u8d54\u5c06\u8f6c\u4e3aUIM\u6216\u76f4\u63a5\u5411\u7b2c\u4e09\u65b9\u4fdd\u9669\u7d22\u8d54\u3002UM\u5df2\u652f\u4ed8\u90e8\u5206\u7531\u4fdd\u9669\u516c\u53f8\u901a\u8fc7subrogation\u5411\u5bf9\u65b9\u8ffd\u507f\u3002<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u9003\u9038\u60c5\u5f62\u672a\u80fd\u62a5\u8b66,\u8fd8\u80fd\u63d0\u51faUM\u7d22\u8d54\u5417?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u591a\u6570\u4fdd\u5355\u8981\u6c42\u8b66\u65b9\u62a5\u6848\u3002\u82e5\u6709\u6b63\u5f53\u7406\u7531(\u4e25\u91cd\u4f24\u60c5\u3001\u8bed\u8a00\u969c\u788d\u7b49)\u5ef6\u8bef,\u53ef\u80fd\u6709\u4f8b\u5916,\u4f46\u5e94\u7acb\u5373\u8865\u62a5\u4ee5\u4fdd\u7559\u7d22\u8d54\u53ef\u80fd\u6027\u3002<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u4e58\u5ba2\u80fd\u5426\u4f7f\u7528\u8f66\u4e3b\u7684UM\u4fdd\u969c?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u53ef\u4ee5\u3002\u4e58\u5ba2\u901a\u5e38\u53d7\u8f66\u4e3b\u6216\u9a7e\u9a76\u4ebaUM\u4fdd\u969c\u7684\u8986\u76d6\u3002<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">UM\u4ef2\u88c1\u88c1\u51b3\u53ef\u4ee5\u4e0a\u8bc9\u5230\u6cd5\u9662\u5417?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u591a\u6570\u4fdd\u5355\u5c06\u4ef2\u88c1\u4f5c\u4e3a\u7ec8\u5c40\u88c1\u51b3,\u4f46\u8d85\u8fc7\u4e00\u5b9a\u91d1\u989d\u7684\u88c1\u51b3\u53ef\u80fd\u5141\u8bb8\u91cd\u5ba1(trial de novo)\u3002\u4ee5\u4fdd\u5355\u5177\u4f53\u6761\u6b3e\u4e3a\u51c6\u3002<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u9a7e\u9a76\u79df\u8d41\u8f66\u8f86\u65f6\u906d\u9047\u9003\u9038,\u7531\u54ea\u4efdUM\u5148\u884c\u9002\u7528?<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u901a\u5e38\u5148\u9002\u7528\u4e2a\u4eba\u6c7d\u8f66\u4fdd\u5355\u7684UM,\u79df\u8d41\u516c\u53f8\u8865\u5145UM\u53ef\u80fd\u53e0\u52a0\u6216\u4f9d\u636e\u5408\u540c\u6761\u6b3e\u8fdb\u884c\u534f\u8c03\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;\">\u4ea4\u901a\u4e8b\u6545\u6216\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\u9700\u8981\u54a8\u8be2?<\/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> \u00b7 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