{"id":27714,"date":"2026-08-18T10:30:00","date_gmt":"2026-08-18T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=27714"},"modified":"2026-08-18T10:30:00","modified_gmt":"2026-08-18T14:30:00","slug":"nj-medpay-vs-pip-2026-08-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/nj-medpay-vs-pip-2026-08-zh\/","title":{"rendered":"MedPay \u4e0e PIP \u2014 \u65b0\u6cfd\u897f\u6c7d\u8f66\u4e8b\u6545\u533b\u7597\u8d39\u4fdd\u969c\u7684\u5dee\u5f02\u4e0e\u7406\u8d54\u987a\u5e8f"},"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<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \u60c5\u51b5\u6982\u8ff0<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5728\u65b0\u6cfd\u897f\u53d1\u751f\u8f66\u7978\u540e,\u53d7\u4f24\u7684\u9a7e\u9a76\u5458\u3001\u4e58\u5ba2\u6216\u884c\u4eba\u4ece\u8fdb\u5165\u6025\u8bca\u5ba4\u7684\u90a3\u4e00\u523b\u8d77,\u5c31\u5fc5\u987b\u51b3\u5b9a\u533b\u7597\u8d39\u7684\u62a5\u9500\u8def\u5f84\u3002\u8bb8\u591a\u4eba\u4ee5\u4e3a\u53ea\u8981\u6709\u5065\u5eb7\u4fdd\u9669\u5c31\u591f\u4e86,\u4f46\u65b0\u6cfd\u897f\u662f\u65e0\u8fc7\u5931(No-Fault)\u5dde,\u6c7d\u8f66\u4fdd\u9669\u4e2d\u7684 PIP(Personal Injury Protection,\u4eba\u8eab\u4f24\u5bb3\u4fdd\u969c)\u4f1a\u6700\u5148\u4ecb\u5165\u3002\u5982\u679c\u4fdd\u5355\u4e2d\u8fd8\u9644\u52a0\u4e86 MedPay(Medical Payments Coverage,\u533b\u7597\u8d39\u7528\u4fdd\u969c)\u7279\u7ea6,\u90a3\u4e48\u51c6\u786e\u7406\u89e3\u4e24\u8005\u7684\u4f18\u5148\u987a\u5e8f\u4e0e\u7406\u8d54\u6d41\u7a0b,\u624d\u80fd\u628a\u81ea\u4ed8\u989d\u3001\u5171\u4ed8\u989d\u63a7\u5236\u5230\u6700\u4f4e,\u5e76\u907f\u514d\u5728\u540e\u7eed\u7684\u4eba\u8eab\u4f24\u5bb3\u7d22\u8d54\u4e2d\u5904\u4e8e\u4e0d\u5229\u5730\u4f4d\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \u6cd5\u5f8b\u6982\u5ff5<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u4f9d\u636e\u65b0\u6cfd\u897f\u5dde\u6cd5 N.J.S.A. 39:6A-4,PIP \u662f\u5f3a\u5236\u6027\u7684\u65e0\u8fc7\u5931\u9669,\u4e0d\u8bba\u4e8b\u6545\u8d23\u4efb\u5728\u8c01,\u90fd\u6309\u5408\u7406\u5fc5\u8981\u7684\u8303\u56f4\u5411\u88ab\u4fdd\u9669\u4eba\u3001\u5176\u540c\u4f4f\u5bb6\u5c5e\u4ee5\u53ca\u8f66\u5185\u4e58\u5ba2\u652f\u4ed8\u533b\u7597\u8d39\u3001\u90e8\u5206\u5de5\u8d44\u635f\u5931\u4ee5\u53ca\u5fc5\u8981\u670d\u52a1\u8d39\u3002MedPay \u5219\u662f\u53ef\u9009\u9644\u52a0\u9669,\u4ec5\u652f\u4ed8\u5408\u7406\u5fc5\u8981\u7684\u533b\u7597\u8d39,\u4e0d\u5305\u542b\u5de5\u8d44\u635f\u5931\u6216\u8eab\u6545\u8d54\u507f\u3002\u53ef\u4ee5\u7406\u89e3\u4e3a:PIP \u662f\u65e0\u8fc7\u5931\u4f53\u7cfb\u7684\u4e3b\u5e72,MedPay \u662f\u7528\u6765\u8865\u8db3 PIP \u81ea\u4ed8\u989d\u548c\u7f3a\u53e3\u7684\u8865\u5145\u5c42\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \u65b0\u6cfd\u897f\u89c4\u5b9a<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u65b0\u6cfd\u897f\u6807\u51c6\u6c7d\u8f66\u4fdd\u5355(Standard Policy)\u7684 PIP \u9ed8\u8ba4\u989d\u5ea6\u4e3a\u6bcf\u4eba\u6bcf\u6b21\u4e8b\u6545 $250,000,\u6295\u4fdd\u4eba\u53ef\u4e3a\u8282\u7701\u4fdd\u8d39\u800c\u9009\u62e9\u8f83\u4f4e\u6863\u6b21\u3002MedPay \u901a\u5e38\u4ee5\u8f83\u5c0f\u989d\u5ea6\u5355\u72ec\u8d2d\u4e70\u3002\u4e24\u8005\u5e76\u5b58\u65f6,\u539f\u5219\u4e0a PIP \u662f\u9996\u8981(primary)\u652f\u4ed8\u65b9,MedPay \u8d77\u5230\u8865\u5145\u4f5c\u7528,\u7528\u4e8e\u8986\u76d6 PIP \u81ea\u4ed8\u989d\u3001\u5171\u4ed8\u989d\u548c\u90e8\u5206\u672a\u6db5\u76d6\u9879\u76ee\u3002\u82e5\u6295\u4fdd\u4eba\u9009\u62e9&quot;\u5065\u5eb7\u4fdd\u9669\u4f18\u5148(Health Primary)&quot;\u65b9\u6848,\u5219\u7531\u79c1\u4eba\u5065\u5eb7\u9669\u5148\u884c\u652f\u4ed8,PIP \u8f6c\u4e3a\u6b21\u7ea7(secondary),\u4f46\u5373\u4f7f\u5982\u6b64,MedPay \u4e0e PIP \u7684\u534f\u8c03\u4ecd\u5e94\u6309\u4fdd\u5355\u6761\u6b3e\u6267\u884c\u3002\u9009\u62e9&quot;\u8bed\u8a00\u95e8\u69db(Verbal Threshold,\u5373\u8bc9\u8bbc\u9650\u5236\u6761\u6b3e)&quot;\u7684\u88ab\u4fdd\u9669\u4eba\u5728\u63d0\u8d77\u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u65f6\u7684\u95e8\u69db\u4e0d\u540c,\u4f46\u8fd9\u5e76\u4e0d\u6539\u53d8 PIP \u6216 MedPay \u652f\u4ed8\u533b\u7597\u8d39\u7684\u89c4\u5219\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \u5b9e\u6218\u5bf9\u7b56<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u4e8b\u6545\u540e\u5230\u6025\u8bca\u5ba4\u767b\u8bb0\u65f6,\u8bf7\u52a1\u5fc5\u540c\u65f6\u51fa\u793a\u6c7d\u8f66\u4fdd\u9669\u4fe1\u606f,\u4e0d\u8981\u53ea\u9012\u4ea4\u5065\u5eb7\u4fdd\u9669\u5361\u3002\u4e00\u822c\u60c5\u51b5\u4e0b,\u5e94\u5728\u4e8b\u6545\u53d1\u751f\u540e\u7ea6 30 \u5929\u5185\u5411\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u63d0\u4ea4 PIP \u7533\u8bf7\u4e66(Application for PIP Benefits),\u800c\u6cbb\u7597\u65b9\u9700\u6309\u4fdd\u9669\u516c\u53f8\u7684 DPR(Decision Point Review Plan,\u51b3\u7b56\u70b9\u5ba1\u67e5\u65b9\u6848)\u548c\u9884\u6388\u6743\u6d41\u7a0b\u64cd\u4f5c,\u5426\u5219\u53ef\u80fd\u88ab\u62d2\u4ed8\u3002\u82e5\u4fdd\u5355\u5305\u542b MedPay,\u5e94\u5728\u5411 PIP \u62a5\u9500\u81ea\u4ed8\u989d\u65f6\u4e00\u5e76\u7533\u8bf7,\u5e76\u5355\u72ec\u4fdd\u7559\u8d26\u5355\u3001\u75c5\u5386\u548c\u5904\u65b9\u590d\u5370\u4ef6\u3002\u82e5\u4f24\u60c5\u8f83\u91cd\u6216\u5bf9\u65b9\u8fc7\u5931\u660e\u663e,\u5efa\u8bae\u5c3d\u65e9\u5411\u5f8b\u5e08\u54a8\u8be2,\u534f\u8c03 PIP\u3001MedPay \u4e0e\u5bf9\u65b9\u8d23\u4efb\u9669(Bodily Injury Liability)\u4e4b\u95f4\u7684\u5173\u7cfb,\u4ee5\u514d\u7b7e\u7f72\u548c\u89e3\u540e\u5931\u53bb\u7d22\u8d54\u673a\u4f1a\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \u5e38\u89c1\u8bef\u89e3<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u7b2c\u4e00,&quot;\u6709\u5065\u5eb7\u4fdd\u9669\u5c31\u4e0d\u9700\u8981 PIP&quot;\u7684\u60f3\u6cd5\u6709\u98ce\u9669\u3002\u5373\u4f7f\u9009\u62e9\u5065\u5eb7\u4fdd\u9669\u4f18\u5148,\u79c1\u4eba\u5065\u5eb7\u9669\u7ecf\u5e38\u62d2\u4ed8\u6216\u9650\u5236\u8f66\u7978\u76f8\u5173\u7684 MRI\u3001\u810a\u690e\u63a8\u62ff\u3001\u957f\u671f\u7269\u7406\u6cbb\u7597,\u800c\u8fd9\u4e9b\u6070\u6070\u662f PIP \u7684\u8bbe\u8ba1\u76ee\u6807\u3002\u7b2c\u4e8c,\u6709\u4eba\u4ee5\u4e3a\u53ef\u4ee5\u540c\u65f6\u5411 MedPay \u4e0e PIP \u62a5\u9500\u540c\u4e00\u7b14\u8d26\u5355\u4ee5\u83b7\u5f97\u53cc\u500d\u8d54\u4ed8,\u5b9e\u9645\u4e0a\u798f\u5229\u534f\u8c03\u89c4\u5219(coordination of benefits)\u4f1a\u628a\u603b\u989d\u9650\u5236\u5728\u5b9e\u9645\u53d1\u751f\u7684\u533b\u7597\u8d39\u4e4b\u5185,\u4e0d\u80fd\u501f\u6b64\u83b7\u5229\u3002\u7b2c\u4e09,\u4e00\u4e9b\u5f53\u4e8b\u4eba\u62c5\u5fc3\u63a5\u53d7\u4e86 PIP \u5c31\u4e0d\u80fd\u8d77\u8bc9\u8087\u4e8b\u65b9\u3002\u4e8b\u5b9e\u4e0a,\u65b0\u6cfd\u897f\u6cd5\u5f8b\u4ec5\u9650\u5236\u5bf9\u5df2\u7531 PIP \u652f\u4ed8\u7684\u533b\u7597\u8d39\u518d\u6b21\u91cd\u590d\u8bf7\u6c42,\u8d85\u51fa PIP \u4e0a\u9650\u7684\u5de5\u8d44\u635f\u5931\u3001\u975e\u7ecf\u6d4e\u635f\u5931\u7b49\u4ecd\u53ef\u4f9d\u95e8\u69db\u89c4\u5b9a\u7ee7\u7eed\u8ffd\u507f\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \u8981\u70b9\u603b\u7ed3<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">PIP \u662f\u65b0\u6cfd\u897f\u5f3a\u5236\u65e0\u8fc7\u5931\u9669,MedPay \u662f\u53ef\u9009\u8865\u5145\u9669\u3002\u4e00\u822c\u539f\u5219:PIP \u5148\u8d54,MedPay \u8865\u9f50\u81ea\u4ed8\u989d\u4e0e\u5c0f\u989d\u7f3a\u53e3;\u82e5\u9009\u62e9\u5065\u5eb7\u4fdd\u9669\u4f18\u5148,\u5219\u987a\u5e8f\u4f1a\u53d8\u5316\u3002\u4e8b\u6545\u540e\u7ea6 30 \u5929\u5185\u63d0\u4ea4 PIP \u7533\u8bf7\u3001\u9075\u5b88 DPR \u9884\u6388\u6743\u3001\u4fdd\u5b58\u5b8c\u6574\u8d26\u5355\u548c\u75c5\u5386,\u5e76\u6ce8\u610f\u4fdd\u5355\u4e2d\u7684\u4ee3\u4f4d\u6c42\u507f(subrogation)\u4e0e\u507f\u8fd8(reimbursement)\u6761\u6b3e,\u662f\u5b9e\u52a1\u4e2d\u7684\u6838\u5fc3\u52a8\u4f5c\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">## \u5e38\u89c1\u95ee\u9898<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**\u95ee1:\u80fd\u53ea\u4e70 MedPay \u800c\u4e0d\u4e70 PIP \u5417?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5728\u65b0\u6cfd\u897f\u767b\u8bb0\u7684\u8f66\u8f86\u5fc5\u987b\u6295\u4fdd PIP,\u4e0d\u80fd\u5355\u72ec\u53ea\u4fdd MedPay\u3002\u4ec5\u5728\u90e8\u5206\u5916\u5dde\u4fdd\u5355\u6216\u7279\u6b8a\u9669\u79cd\u4e0b\u624d\u53ef\u80fd\u51fa\u73b0 MedPay \u5355\u72ec\u5b58\u5728\u7684\u60c5\u51b5\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**\u95ee2:\u9519\u8fc7 PIP \u7533\u8bf7\u671f\u9650\u600e\u4e48\u529e?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u901a\u5e38\u5e94\u5728\u4e8b\u6545\u540e\u7ea6 30 \u5929\u5185\u4e66\u9762\u901a\u77e5\u4fdd\u9669\u516c\u53f8\u3002\u82e5\u6709\u6b63\u5f53\u7406\u7531\u5e76\u9644\u8bc1\u660e\u6750\u6599,\u665a\u62a5\u53ef\u80fd\u83b7\u5f97\u4f8b\u5916\u63a5\u53d7\u3002\u5efa\u8bae\u5c3d\u5feb\u8054\u7cfb\u4fdd\u9669\u516c\u53f8\u5e76\u54a8\u8be2\u5f8b\u5e08\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**\u95ee3:\u5982\u679c\u5bf9\u65b9\u4fdd\u9669\u516c\u53f8\u8d54\u4ed8\u4e86\u533b\u7597\u8d39,\u662f\u5426\u9700\u8981\u5411 PIP \u6216 MedPay \u8fd4\u8fd8?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5f88\u591a\u60c5\u51b5\u4e0b\u9700\u8981\u3002\u4e24\u8005\u7684\u4ee3\u4f4d\u6c42\u507f\u4e0e\u507f\u8fd8\u6761\u6b3e\u901a\u5e38\u8981\u6c42\u628a\u91cd\u590d\u652f\u4ed8\u90e8\u5206\u9000\u56de,\u5177\u4f53\u91d1\u989d\u4e00\u822c\u7531\u5f8b\u5e08\u534f\u8c03\u540e\u786e\u5b9a\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**\u95ee4:\u884c\u4eba\u548c\u9a91\u81ea\u884c\u8f66\u7684\u4eba\u53ef\u4ee5\u7533\u8bf7 PIP \u6216 MedPay \u5417?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u89c6\u6d89\u4e8b\u8f66\u8f86\u4fdd\u5355\u53ca\u672c\u4eba\u5bb6\u5ead\u4fdd\u5355\u800c\u5b9a,\u884c\u4eba\u548c\u9a91\u8f66\u4eba\u5e38\u5e38\u4e5f\u80fd\u4eab\u53d7\u76f8\u5e94\u4fdd\u969c\u3002\u9700\u7ed3\u5408\u4e8b\u6545\u4e8b\u5b9e\u4e0e\u4fdd\u9669\u4f18\u5148\u987a\u5e8f\u89c4\u5219\u4e2a\u6848\u5224\u65ad\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">**\u95ee5:\u5982\u4f55\u9884\u7ea6\u54a8\u8be2?**<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u53ef\u8054\u7cfb\u9001\u7f57\u5f8b\u5e08\u4e8b\u52a1\u6240\u4eba\u8eab\u4f24\u5bb3\u56e2\u961f,\u534f\u52a9\u60a8\u68b3\u7406\u533b\u7597\u8d39\u62a5\u9500\u8def\u5f84\u3001\u534f\u8c03 PIP \u4e0e MedPay,\u5e76\u4fdd\u7559\u5bf9\u7b2c\u4e09\u65b9\u7684\u8ffd\u507f\u6743\u5229\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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