{"id":1395,"date":"2026-07-03T13:17:52","date_gmt":"2026-07-03T13:17:52","guid":{"rendered":"https:\/\/jaykoolaw.com\/ny-injury-claim-insurance-adjuster-mistakes\/"},"modified":"2026-07-06T15:48:00","modified_gmt":"2026-07-06T15:48:00","slug":"ny-injury-claim-insurance-adjuster-mistakes","status":"publish","type":"post","link":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/","title":{"rendered":"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0"},"content":{"rendered":"<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><strong>\ud55c\ub208\uc5d0 \ubcf4\uae30<\/strong><\/p>\n<ul style=\"margin-bottom: 26px; padding-left: 24px; line-height: 1.85; font-size: 16px; color: #333;\">\n<li style=\"margin-bottom: 12px;\">\ubcf4\ud5d8\uc0ac\uc758 \uc190\ud574\uc0ac\uc815\uc0ac(adjuster)\ub294 \ub2f9\uc2e0 \ud3b8\uc774 \uc544\ub2c8\ub77c <strong>\ud68c\uc0ac\uc758 \uc9c0\ucd9c\uc744 \uc904\uc774\ub3c4\ub85d \ud6c8\ub828\ubc1b\uc740 \ud611\uc0c1 \uc804\ubb38\uac00<\/strong>\uc785\ub2c8\ub2e4. \uccab \ud1b5\ud654\ubd80\ud130 \ubaa9\ud45c\uac00 \ub2e4\ub985\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\">\uc0ac\uace0 \uc9c1\ud6c4 \ubb34\uc2ec\ucf54 \ub358\uc9c0\ub294 <strong>&#8220;\uc81c\uac00 \uc880 \ubd80\uc8fc\uc758\ud588\uc5b4\uc694&#8221;, &#8220;\uc9c0\uae08\uc740 \uad1c\ucc2e\uc544\uc694&#8221;<\/strong> \uac19\uc740 \ub9d0\uc740 \ub274\uc695\uc758 \uc21c\uc218 \ube44\uad50\uacfc\uc2e4(CPLR \u00a71411) \uc544\ub798\uc5d0\uc11c \ubc30\uc0c1\uc561\uc744 \uae4e\ub294 \uadfc\uac70\ub85c \uc4f0\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\">\uc190\ud574\uc0ac\uc815\uc0ac\uac00 \uc694\uad6c\ud558\ub294 <strong>\ub179\ucde8 \uc9c4\uc220(Recorded Statement)\uacfc \uc758\ub8cc\uae30\ub85d \ud3ec\uad04 \ub3d9\uc758\uc11c<\/strong>\ub294 \ubc95\uc801 \uc758\ubb34\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ud568\ubd80\ub85c \uc751\ud558\uba74 \ubd88\ub9ac\ud55c \uc9c4\uc220\uacfc \ubb34\uad00\ud55c \uacfc\uac70 \ubcd1\ub825\uc774 \ud1b5\uc9f8\ub85c \uc0c1\ub300 \uc190\uc5d0 \ub4e4\uc5b4\uac11\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>\ube60\ub978 \ud569\uc758(quick settlement)<\/strong> \uc81c\uc548\uc740 \uce5c\uc808\uc774 \uc544\ub2c8\ub77c \uc804\ub7b5\uc785\ub2c8\ub2e4. \ubd80\uc0c1\uc758 \uc804\uccb4 \uacbd\uacfc\uac00 \ub4dc\ub7ec\ub098\uae30 \uc804\uc5d0 \uc11c\uba85\ud558\uba74, \uad8c\ub9ac\ud3ec\uae30(Release) \ub54c\ubb38\uc5d0 \ub098\uc911\uc5d0 \uc545\ud654\ub3fc\ub3c4 \ub2e4\uc2dc \uccad\uad6c\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\">\ud569\uc758\uae08\uc5d0\uc11c <strong>Medicare\u00b7Medicaid\u00b7\uac74\uac15\ubcf4\ud5d8(ERISA)\u00b7No-Fault\u00b7\uc0b0\uc7ac\uc758 \uc720\uce58\uad8c\/\uad6c\uc0c1\uad8c<\/strong>\uc774 \ube60\uc838\ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc218\ub839\uc561\uc740 \uc11c\uba85 \uc804\uc5d0 \uc774 \uacf5\uc81c\ub97c \uc815\ub9ac\ud574\uc57c \uc9c0\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uc804\ud654\uac00 \ube68\ub9ac \uc654\ub2e4\uace0 \uc548\uc2ec\ud558\uba74 \uc548 \ub429\ub2c8\ub2e4. \uc0ac\uace0 \uba70\uce60 \ub9cc\uc5d0 \uc190\ud574\uc0ac\uc815\uc0ac\uac00 &#8220;\ube60\ub974\uac8c \ub3c4\uc640\ub4dc\ub9ac\uaca0\ub2e4&#8221;\uba70 \uc5f0\ub77d\ud574 \uc624\uba74, \ub300\ubd80\ubd84\uc740 \uadf8\uac8c \ubc30\ub824\ub85c \ub290\uaef4\uc9d1\ub2c8\ub2e4. \uc2e4\uc81c\ub85c\ub294 \ubc18\ub300\uc785\ub2c8\ub2e4. \ubd80\uc0c1\uc774 \uc5b4\ub514\uae4c\uc9c0 \uac08\uc9c0 \uc544\uc9c1 \uc544\ubb34\ub3c4 \ubaa8\ub974\ub294 \uadf8 \uc2dc\uc810\uc774, \ubcf4\ud5d8\uc0ac\uc5d0\uac8c\ub294 \uac00\uc7a5 \uc2f8\uac8c \uc0ac\uac74\uc744 \ub2eb\uc744 \uc218 \uc788\ub294 \uace8\ub4e0\ud0c0\uc784\uc785\ub2c8\ub2e4. \ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \uc9c1\uc811 \ud569\uc758\ud574 \uc190\ud574 \ubcf4\ub294 \uc0ac\ub78c\ub4e4\uc740 \ub300\uac1c \ub098\uc05c \uc0ac\uace0\ub97c \ub2f9\ud574\uc11c\uac00 \uc544\ub2c8\ub77c, <strong>\uc88b\uc740 \uc0ac\uace0\ub97c \ub098\uc05c \ub300\uc751\uc73c\ub85c \ub9dd\uccd0\uc11c<\/strong> \uc190\ud574\ub97c \ubd05\ub2c8\ub2e4. \uc774 \uae00\uc740 \uadf8 \ub300\uc751\uc744 \uc5b4\ub514\uc11c \uadf8\ub974\uce58\ub294\uc9c0, \uadf8\ub9ac\uace0 \ubb34\uc5c7\uc744 \ub9d0\ud558\uc9c0 \ub9d0\uc544\uc57c \ud558\ub294\uc9c0\ub97c \uc9da\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-weight: bold; margin-top: 40px; margin-bottom: 20px; font-size: 26px; color: #222;\">\uc190\ud574\uc0ac\uc815\uc0ac\ub294 \uc65c \ub0b4 \ud3b8\uc774 \uc544\ub2cc\uac00\uc694?<\/h2>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uc190\ud574\uc0ac\uc815\uc0ac\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \uace0\uc6a9\ub3fc <strong>\ud68c\uc0ac\uc758 \uc9c0\uae09\uc561\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \uc77c\ud558\ub294 \uc0ac\ub78c<\/strong>\uc785\ub2c8\ub2e4. \uac89\uc73c\ub85c \uce5c\uc808\ud558\uace0 \ud611\uc870\uc801\uc774\uc9c0\ub9cc, \uadf8\uc758 \uc131\uacfc\ub294 \ub2f9\uc2e0\uc5d0\uac8c \uc801\uac8c \uc8fc\ub294 \uac83\uc73c\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4. \uc774 \uad6c\uc870\ub97c \uc774\ud574\ud558\ub294 \uac83\uc774 \uccab \ubc29\uc5b4\uc120\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ucc29\uac01\ud558\uae30 \uc26c\uc6b4 \uc9c0\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uc815\uc0ac\uac00 \uc608\uc758 \ubc14\ub974\uace0 \uacf5\uac10\ud558\ub294 \ub9d0\ud22c\ub97c \uc4f0\ub294 \uac74 \uc778\uac04\uc131\uc774 \uc544\ub2c8\ub77c <strong>\ud6c8\ub828\uc758 \uacb0\uacfc<\/strong>\uc785\ub2c8\ub2e4. \ud3b8\uc548\ud55c \ubd84\uc704\uae30\ub97c \ub9cc\ub4e4\uc5b4 \ub2f9\uc2e0\uc774 \ub9d0\uc744 \ub9ce\uc774 \ud558\uac8c \ud558\uace0, \uadf8 \uc548\uc5d0\uc11c \uacfc\uc2e4\uc774\ub098 \ubd80\uc0c1 \ucd95\uc18c\uc5d0 \uc4f8 \ubb38\uc7a5\uc744 \uace8\ub77c\ub0c5\ub2c8\ub2e4. \ud604\uc7a5\uc5d0\uc11c \ubcf4\uba74, \ud53c\ud574\uc790\uac00 \uc0ac\uc815\uc0ac\ub97c &#8216;\ub3c4\uc640\uc8fc\ub294 \uc0ac\ub78c&#8217;\uc73c\ub85c \uc624\ud574\ud558\ub294 \uc21c\uac04\ubd80\ud130 \ud611\uc0c1\uc740 \uc774\ubbf8 \uae30\uc6b8\uc5b4\uc838 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uc5ec\uae30\uc11c \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uac15\uc870\ud558\ub294 \uc6d0\uce59\uc740 \ub2e8\uc21c\ud569\ub2c8\ub2e4. \uc0ac\uc815\uc0ac\uc640\uc758 \ubaa8\ub4e0 \ub300\ud654\ub294 <strong>\ud611\uc0c1\uc774\uc9c0 \uc0c1\ub2f4\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/strong> \ub0b4 \uc0ac\uac74\uc758 \uac00\uce58\ub97c \ub0b4\uac00 \ubaa8\ub974\ub294 \uc0c1\ud0dc\uc5d0\uc11c \uc0c1\ub300\uc758 \uc9c8\ubb38\uc5d0 \uc131\uc2e4\ud788 \ub2f5\ud558\ub294 \uac74, \uce74\ub4dc\ub97c \ub2e4 \ubcf4\uc5ec \uc8fc\uace0 \ud765\uc815\uc744 \uc2dc\uc791\ud558\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c <a href=\"https:\/\/jaykoolaw.com\/ko\/ny-personal-injury-settlement-factors\/\" style=\"color: #1a5dab; text-decoration: underline;\">\ud569\uc758\uae08\uc774 \uc5b4\ub5a4 \uc694\uc778\uc73c\ub85c \uc815\ud574\uc9c0\ub294\uc9c0<\/a>\ub97c \uba3c\uc800 \ud30c\uc545\ud55c \ub4a4\uc5d0\uc57c \ub300\ud654 \ud14c\uc774\ube14\uc5d0 \uc549\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-weight: bold; margin-top: 40px; margin-bottom: 20px; font-size: 26px; color: #222;\">\uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uacfc\uc2e4\uc744 \uc778\uc815\ud558\ub294 \ub9d0, \ubd80\uc0c1\uc744 \ucd95\uc18c\ud558\ub294 \ub9d0, \uadf8\ub9ac\uace0 \ucd94\uce21\uc131 \uc9c4\uc220\uc785\ub2c8\ub2e4. <strong>&#8220;\uc81c \uc798\ubabb\ub3c4 \uc788\uc5b4\uc694&#8221;, &#8220;\uad1c\ucc2e\uc544\uc694, \ubcc4\ub85c \uc548 \uc544\ud30c\uc694&#8221;, &#8220;\uc544\ub9c8 ~\uc600\uc744 \uac70\uc608\uc694&#8221;<\/strong> \uc774 \uc138 \uc885\ub958\uac00 \ub274\uc695 \uc0c1\ud574 \ud569\uc758\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc774 \uc4f0\uc774\ub294 \uc790\ucc45 \ubb38\uc7a5\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><img decoding=\"async\" alt=\"\ub274\uc695 \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc9c4\uc220\ud560 \ub54c \uc8fc\uc758\ud560 \uc810\" src=\"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_img1-2.webp\" style=\"width: 100%; height: auto; border-radius: 8px; margin: 28px 0;\"\/><\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ub274\uc695\uc740 <a href=\"https:\/\/www.law.cornell.edu\/wex\/comparative_negligence\" style=\"color: #1a5dab; text-decoration: underline;\">\uc21c\uc218 \ube44\uad50\uacfc\uc2e4(pure comparative negligence, CPLR \u00a71411)<\/a>\uc744 \uc501\ub2c8\ub2e4. \uc0c1\ub300\uac00 90% \uc798\ubabb\ud588\uc5b4\ub3c4, \ub2f9\uc2e0 \uacfc\uc2e4\uc774 10%\ub85c \uc778\uc815\ub418\uba74 \ubc30\uc0c1\uc561\uc5d0\uc11c \uadf8 10%\uac00 \uae4e\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc0ac\uc815\uc0ac\ub294 <a href=\"https:\/\/jaykoolaw.com\/ko\/ny-crosswalk-pedestrian-accident-comparative-negligence-2\/\" style=\"color: #1a5dab; text-decoration: underline;\">\uacfc\uc2e4 \ube44\uc728\uc744 \uc870\uae08\uc774\ub77c\ub3c4 \ub2f9\uc2e0 \ucabd\uc73c\ub85c \ub04c\uc5b4\uc624\ub824<\/a> \uc720\ub3c4 \uc9c8\ubb38\uc744 \ub358\uc9d1\ub2c8\ub2e4. \ubb34\uc2ec\ud55c \uc0ac\uacfc \ud55c\ub9c8\ub514\uac00 \uadf8 \ube44\uc728\uc758 \uadfc\uac70\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0<\/th>\n<th>\uc65c \uc704\ud5d8\ud55c\uac00<\/th>\n<th>\ub300\uc2e0 \uc774\ub807\uac8c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>&#8220;\uc81c\uac00 \uc880 \ubd80\uc8fc\uc758\ud588\uc5b4\uc694 \/ \ubbf8\uc548\ud569\ub2c8\ub2e4&#8221;<\/td>\n<td>\uacfc\uc2e4 \uc778\uc815\uc73c\ub85c \ud574\uc11d\ub3fc \ube44\uad50\uacfc\uc2e4 \ube44\uc728\u2191<\/td>\n<td>\uc0ac\uc2e4\ub9cc: &#8220;\uc2e0\ud638\ub294 \ucd08\ub85d\ubd88\uc774\uc5c8\uc2b5\ub2c8\ub2e4&#8221;<\/td>\n<\/tr>\n<tr>\n<td>&#8220;\uc9c0\uae08\uc740 \uad1c\ucc2e\uc544\uc694 \/ \ubcc4\ub85c \uc548 \uc544\ud30c\uc694&#8221;<\/td>\n<td>\ubd80\uc0c1 \ucd95\uc18c\u00b7<a href=\"https:\/\/jaykoolaw.com\/ko\/ny-delayed-injury-symptoms-no-fault-claim\/\">\uc9c0\uc5f0\uc131 \ubd80\uc0c1<\/a> \ubd80\uc815 \uadfc\uac70<\/td>\n<td>&#8220;\uc544\uc9c1 \uce58\ub8cc\u00b7\uac80\uc0ac \uc911\uc785\ub2c8\ub2e4&#8221;<\/td>\n<\/tr>\n<tr>\n<td>&#8220;\uc544\ub9c8 \uc2dc\uc18d ~\ucbe4\uc774\uc5c8\uc744 \uac70\uc608\uc694&#8221;<\/td>\n<td>\ucd94\uce21\uc774 \uc0ac\uc2e4\ucc98\ub7fc \uae30\ub85d\ub428<\/td>\n<td>&#8220;\uc815\ud655\ud788 \uae30\uc5b5\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4&#8221;<\/td>\n<\/tr>\n<tr>\n<td>&#8220;\ud569\uc758\uae08\uc740 \uc5bc\ub9c8\ub098 \uc8fc\uc2e4 \uac74\uac00\uc694?&#8221;<\/td>\n<td>\uae09\ud558\ub2e4\ub294 \uc2e0\ud638 \u2192 \uc800\uac00 \uc81c\uc548 \uc720\ub3c4<\/td>\n<td>\uae08\uc561 \ub17c\uc758\ub294 \uc0ac\uac74 \uac00\uce58 \ud30c\uc545 \ud6c4<\/td>\n<\/tr>\n<tr>\n<td>&#8220;\ub2e4\ub978 \uc0ac\uace0\ub294 \uc5c6\uc5c8\uc5b4\uc694&#8221;(\ubd88\ud655\uc2e4\ud55c\ub370 \ub2e8\uc815)<\/td>\n<td>\uc0ac\uc2e4\uacfc \ub2e4\ub974\uba74 \uc2e0\ub8b0\uc131 \uacf5\uaca9 \ube4c\ubbf8<\/td>\n<td>\ud655\uc2e4\ud558\uc9c0 \uc54a\uc73c\uba74 \ub2e8\uc815\ud558\uc9c0 \uc54a\uae30<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ud575\uc2ec\uc740 \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4. <strong>\uc0ac\uc2e4\ub9cc, \uc544\ub294 \uac83\ub9cc<\/strong> \ub9d0\ud558\uace0, \ucd94\uce21\u00b7\uc0ac\uacfc\u00b7\uac10\uc815\uc740 \ube7c\ub294 \uac83. \uadf8\ub9ac\uace0 \ubd80\uc0c1\uc740 \uc644\uce58 \ud310\uc815 \uc804\uae4c\uc9c0 &#8220;\uad1c\ucc2e\ub2e4&#8221;\uace0 \ub2e8\uc815\ud558\uc9c0 \uc54a\ub294 \uac83. \ud3b8\ud0c0\uc131 \uc190\uc0c1\uc774\ub098 \ucc99\ucd94\u00b7\uc2e0\uacbd \ubb38\uc81c\ucc98\ub7fc \uba70\uce60 \ub4a4 \ub098\ud0c0\ub098\ub294 \uc9c0\uc5f0\uc131 \ubd80\uc0c1\uc774 \ud754\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-weight: bold; margin-top: 40px; margin-bottom: 20px; font-size: 26px; color: #222;\">\ub179\ucde8 \uc9c4\uc220\uacfc \uc758\ub8cc\uae30\ub85d \ub3d9\uc758\uc11c, \uc11c\uba85\ud574\ub3c4 \ub418\ub098\uc694?<\/h2>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ub458 \ub2e4 <strong>\ubc95\uc801 \uc758\ubb34\uac00 \uc544\ub2c8\uba70, \uc2e0\uc911\ud788 \uac70\uc808\ud558\uac70\ub098 \ubc94\uc704\ub97c \uc881\ud600\uc57c \ud558\ub294 \uc694\uad6c<\/strong>\uc785\ub2c8\ub2e4. \ub179\ucde8 \uc9c4\uc220(Recorded Statement)\uc740 \ub2f9\uc2e0\uc758 \ub9d0\uc2e4\uc218\ub97c \ub0a8\uae30\ub824\ub294 \uc7a5\uce58\uc774\uace0, \ud3ec\uad04 \uc758\ub8cc \ub3d9\uc758\uc11c\ub294 \uc0ac\uace0\uc640 \ubb34\uad00\ud55c \uacfc\uac70 \ubcd1\ub825\uae4c\uc9c0 \uc0c1\ub300\uc5d0\uac8c \ub118\uaca8\uc90d\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ub179\ucde8 \uc9c4\uc220\ubd80\ud130 \ubd05\uc2dc\ub2e4. \uc0ac\uc815\uc0ac\ub294 &#8220;\uc808\ucc28\uc0c1 \ud544\uc694\ud558\ub2e4&#8221;\uba70 \ub179\uc74c\uc744 \uc694\uccad\ud558\uc9c0\ub9cc, <strong>\uc0c1\ub300 \ubcf4\ud5d8\uc0ac\uc5d0 \uc9c4\uc220\uc744 \ub179\uc74c\ud574 \uc904 \ubc95\uc801 \uc758\ubb34\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/strong> \ub179\ucde8\ubcf8\uc740 \ub098\uc911\uc5d0 \ub2f9\uc2e0 \uc9c4\uc220\uc774 \uc870\uae08\uc774\ub77c\ub3c4 \ud754\ub4e4\ub9ac\uba74 \uadf8 \uc790\ub9ac\uc5d0\uc11c \ubc18\ubc15 \uce74\ub4dc\ub85c \uc4f0\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ubd80\uc0c1 \uc0c1\ud0dc\ub97c \ubb3b\ub294 \uc9c8\ubb38\uc5d0 &#8220;\uad1c\ucc2e\ub2e4&#8221;\uace0 \ub2f5\ud55c \ub179\uc74c\uc740 \uc9c0\uc5f0\uc131 \ubd80\uc0c1 \uccad\uad6c\ub97c \ud1b5\uc9f8\ub85c \ubb34\ub108\ub728\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uc758\ub8cc\uae30\ub85d \ud3ec\uad04 \ub3d9\uc758\uc11c(blanket medical authorization)\ub294 \ub354 \uc870\uc6a9\ud55c \ud568\uc815\uc785\ub2c8\ub2e4. \uc0ac\uc815\uc0ac\ub294 &#8220;\uce58\ub8cc\ube44 \ud655\uc778\uc6a9&#8221;\uc774\ub77c\uba70 \uc11c\uba85\uc744 \ubc1b\uc9c0\ub9cc, \ud3ec\uad04 \ub3d9\uc758\uc11c\uc5d0 \uc0ac\uc778\ud558\uba74 <strong>\uc774\ubc88 \uc0ac\uace0\uc640 \ubb34\uad00\ud55c \uc218\ub144 \uce58 \ubcd1\ub825<\/strong>\uae4c\uc9c0 \uc5f4\ub78c \uad8c\ud55c\uc774 \ub118\uc5b4\uac11\ub2c8\ub2e4. \uc0c1\ub300\ub294 \uadf8 \uae30\ub85d\uc5d0\uc11c &#8220;\uc6d0\ub798 \uc544\ud320\ub358 \ubd80\uc704&#8221;\ub77c\ub294 \ubc29\uc5b4 \ub17c\ub9ac\ub97c \ucc3e\uc2b5\ub2c8\ub2e4. \ub3d9\uc758\uac00 \ud544\uc694\ud558\ub2e4\uba74 \uc774\ubc88 \uc0ac\uace0 \uad00\ub828 \uae30\ub85d\uc73c\ub85c <strong>\ubc94\uc704\uc640 \uae30\uac04\uc744 \uc881\ud78c \ud55c\uc815 \ub3d9\uc758\uc11c<\/strong>\ub9cc \ub0b4\uc8fc\ub294 \uac8c \uc6d0\uce59\uc785\ub2c8\ub2e4. \uc774 \ud310\ub2e8\uc774 \uc560\ub9e4\ud560\uc218\ub85d <a href=\"https:\/\/jaykoolaw.com\/ko\/ny-personal-injury-lawsuit-vs-settlement\/\" style=\"color: #1a5dab; text-decoration: underline;\">\ud569\uc758\ub85c \ub05d\ub0bc\uc9c0, \uc18c\uc1a1\uae4c\uc9c0 \uac08\uc9c0<\/a>\ub97c \ud3ec\ud568\ud55c \uc804\ub7b5\uc744 \uba3c\uc800 \uc138\uc6cc \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-weight: bold; margin-top: 40px; margin-bottom: 20px; font-size: 26px; color: #222;\">\ubcf4\ud5d8\uc0ac\uc758 &#8216;\ube60\ub978 \ud569\uc758&#8217; \uc81c\uc548, \uc65c \uc704\ud5d8\ud55c\uac00\uc694?<\/h2>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ubd80\uc0c1\uc758 \uc804\uccb4 \uacbd\uacfc\uac00 \ub4dc\ub7ec\ub098\uae30 \uc804\uc5d0 \uc0ac\uac74\uc744 \uc2f8\uac8c \ub2eb\uc73c\ub824\ub294 \uc804\ub7b5\uc774\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc0ac\uace0 \uc9c1\ud6c4\uc758 <strong>\ube60\ub978 \ud569\uc758(quick settlement)<\/strong> \ub294 \ub2f9\uc2e0\uc744 \uc704\ud55c \ubc30\ub824\uac00 \uc544\ub2c8\ub77c, \ubcf4\ud5d8\uc0ac\uac00 \ubbf8\ub798\uc758 \uce58\ub8cc\ube44\uc640 \ud6c4\uc720\uc99d\uc744 \ub5a0\uc548\uc9c0 \uc54a\uc73c\ub824\ub294 \uacc4\uc0b0\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><img decoding=\"async\" alt=\"\ub274\uc695 \uac1c\uc778\uc0c1\ud574 \ube60\ub978 \ud569\uc758\uc11c \uc11c\uba85 \uc804 \uc2e0\uc911\ud55c \ud310\ub2e8\" src=\"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_img2-2.webp\" style=\"width: 100%; height: auto; border-radius: 8px; margin: 28px 0;\"\/><\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uac00\uc7a5 \ud070 \uc704\ud5d8\uc740 \ub418\ub3cc\ub9b4 \uc218 \uc5c6\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ud569\uc758\uc11c\uc5d0\ub294 \uac70\uc758 \uc608\uc678 \uc5c6\uc774 <strong>\uad8c\ub9ac\ud3ec\uae30(Release)<\/strong> \uc870\ud56d\uc774 \ubd99\uc2b5\ub2c8\ub2e4. \ud55c \ubc88 \uc11c\uba85\ud558\uba74 \uac19\uc740 \uc0ac\uace0\ub85c \ub2e4\uc2dc \uccad\uad6c\ud560 \uc218 \uc5c6\uc5b4, \uba87 \ub2ec \ub4a4 \ub514\uc2a4\ud06c\uac00 \ud130\uc9c0\uac70\ub098 \uc218\uc220\uc774 \ud544\uc694\ud574\uc838\ub3c4 \ucd94\uac00 \ubc30\uc0c1\uc740 \ub9c9\ud799\ub2c8\ub2e4. \uc790\ub3d9\ucc28 \uc0ac\uace0\ub77c\uba74 \ub274\uc695 No-Fault \uccb4\uacc4(\ubcf4\ud5d8\ubc95 \u00a75102\u00b7\u00a75104)\uc5d0\uc11c \ud1b5\uc99d\u00b7\uace0\ud1b5\uc744 \ub530\ub85c \uccad\uad6c\ud558\ub824\uba74 <strong><a href=\"https:\/\/www.dfs.ny.gov\/consumers\/auto_insurance\/nofault_faqs\" style=\"color: #1a5dab; text-decoration: underline;\">\uc911\uc0c1\ud574 \uae30\uc900(Serious Injury Threshold, \u00a75102(d))<\/a><\/strong> \uc744 \ub118\uc5b4\uc57c \ud558\ub294\ub370, \ubd80\uc0c1\uc774 \ub2e4 \ub4dc\ub7ec\ub098\uae30 \uc804\uc5d0 \ud569\uc758\ud558\uba74 \uc774 \ubb38\ud131 \ud310\ub2e8 \uc790\uccb4\uac00 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ube60\ub978 \ud569\uc758\uac00 \ud2b9\ud788 \uc704\ud5d8\ud55c \uc0c1\ud669\uc740 \uc774\ub807\uc2b5\ub2c8\ub2e4.<\/p>\n<ul style=\"margin-bottom: 26px; padding-left: 24px; line-height: 1.85; font-size: 16px; color: #333;\">\n<li style=\"margin-bottom: 12px;\"><strong>\uce58\ub8cc\uac00 \ub05d\ub098\uc9c0 \uc54a\uc558\uc744 \ub54c.<\/strong> \ucd5c\ub300 \uc758\ud559\uc801 \ud638\uc804(MMI)\uc5d0 \ub3c4\ub2ec\ud558\uae30 \uc804\uc5d4 \uc190\ud574\uc758 \ucd1d\uc561\uc744 \uc54c \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>\uc9c0\uc5f0\uc131 \ubd80\uc0c1\uc774 \uc758\uc2ec\ub420 \ub54c.<\/strong> \ucc99\ucd94\u00b7\ub1cc\uc9c4\ud0d5\u00b7\uc2e0\uacbd \uc99d\uc0c1\uc740 \ub2a6\uac8c \ub098\ud0c0\ub0a9\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>\uc0c1\ub300\uac00 \ubb34\ubcf4\ud5d8\u00b7\uc800\ubcf4\ud5d8\uc77c \ub54c.<\/strong> \uc774\ub7f4 \ub550 \uc11c\ub450\ub974\uae30\ubcf4\ub2e4 <a href=\"https:\/\/jaykoolaw.com\/ko\/uninsured-hit-and-run-accident-um-sum-claim\/\" style=\"color: #1a5dab; text-decoration: underline;\">\ub0b4 \ubcf4\ud5d8\uc758 \ubb34\ubcf4\ud5d8\u00b7\uc800\ubcf4\ud5d8 \uc6b4\uc804\uc790 \ub2f4\ubcf4(UM\/SUM)<\/a>\ub97c \uba3c\uc800 \ub530\uc838\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uc11c\ub450\ub97c \uc774\uc720\uac00 \uc788\ub294 \ucabd\uc740 \ub2f9\uc2e0\uc774 \uc544\ub2c8\ub77c \ubcf4\ud5d8\uc0ac\uc785\ub2c8\ub2e4. \uc2dc\uac04\uc740 \ub300\uac1c \uc815\ud655\ud55c \uc9c4\ub2e8\uc774 \ub098\uc62c\uc218\ub85d \ud53c\ud574\uc790\uc5d0\uac8c \uc720\ub9ac\ud558\uac8c \uc791\ub3d9\ud569\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-weight: bold; margin-top: 40px; margin-bottom: 20px; font-size: 26px; color: #222;\">\ud569\uc758\uc11c\uc5d0 \uc11c\uba85\ud558\uae30 \uc804 \ubc18\ub4dc\uc2dc \ud655\uc778\ud560 \uac83\uc740?<\/h2>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uad8c\ub9ac\ud3ec\uae30\uc758 \ubc94\uc704, \uadf8\ub9ac\uace0 \ud569\uc758\uae08\uc5d0\uc11c \ube60\uc838\ub098\uac08 <strong>\uc720\uce58\uad8c\u00b7\uad6c\uc0c1\uad8c(liens &amp; subrogation)<\/strong> \uc785\ub2c8\ub2e4. \uc11c\uba85\ub780 \uc704 \uc22b\uc790\uac00 \uace7 \uc2e4\uc218\ub839\uc561\uc774 \uc544\ub2d9\ub2c8\ub2e4. Medicare\u00b7Medicaid\u00b7\uac74\uac15\ubcf4\ud5d8\u00b7No-Fault\u00b7\uc0b0\uc7ac\uac00 \uba3c\uc800 \uc790\uae30 \ubaab\uc744 \ud68c\uc218\ud574 \uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uc774 \uacf5\uc81c\ub97c \ubaa8\ub974\uace0 \uc11c\uba85\ud558\uba74 \ud1b5\uc7a5\uc5d0 \ucc0d\ud788\ub294 \uae08\uc561\uc774 \uc608\uc0c1\ubcf4\ub2e4 \ud06c\uac8c \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc815\ub9ac\ud558\uba74 \uc774\ub807\uc2b5\ub2c8\ub2e4.<\/p>\n<ul style=\"margin-bottom: 26px; padding-left: 24px; line-height: 1.85; font-size: 16px; color: #333;\">\n<li style=\"margin-bottom: 12px;\"><strong><a href=\"https:\/\/www.cms.gov\/medicare\/coordination-benefits-recovery\/beneficiary-services\/recovery-process\" style=\"color: #1a5dab; text-decoration: underline;\">Medicare\/Medicaid \uc720\uce58\uad8c<\/a>.<\/strong> \uc0ac\uace0 \uce58\ub8cc\uc5d0 \uacf5\uc801 \uc758\ub8cc\uac00 \uc4f0\uc600\ub2e4\uba74 \uc5f0\ubc29\u00b7\uc8fc \ud504\ub85c\uadf8\ub7a8\uc774 \ud569\uc758\uae08\uc5d0\uc11c \ud68c\uc218 \uad8c\ub9ac\ub97c \uac00\uc9d1\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>\uac74\uac15\ubcf4\ud5d8(ERISA \ud50c\ub79c) \uad6c\uc0c1\uad8c.<\/strong> \uace0\uc6a9\uc8fc \uac74\uac15\ubcf4\ud5d8\uc774 \uce58\ub8cc\ube44\ub97c \ub0c8\ub2e4\uba74 \ud50c\ub79c \uc870\ud56d\uc5d0 \ub530\ub77c \ub418\ub3cc\ub824\ubc1b\uc73c\ub824 \ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>No-Fault\u00b7\uc0b0\uc7ac \uc0c1\uacc4.<\/strong> \uc774\ubbf8 \uc9c0\uae09\ub41c No-Fault \uae09\uc5ec\ub098 \uc0b0\uc7ac \uae09\uc5ec\uc640\uc758 \uc911\ubcf5\uc740 \uc870\uc815\ub429\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>\uc131\uacf5\ubcf4\uc218\u00b7\uc18c\uc1a1\ube44\uc6a9.<\/strong> \ub300\ubd80\ubd84\uc758 \uc0c1\ud574 \ubcc0\ud638\uc0ac\ub294 \uc131\uacf5\ubcf4\uc218(Contingency Fee)\ub85c \uc77c\ud558\uba70, \uae30\ub85d \ud655\ubcf4\ube44 \uac19\uc740 \ube44\uc6a9\uc758 \uc815\uc0b0 \ubc29\uc2dd\uc740 \uacc4\uc57d\ub9c8\ub2e4 \ub2e4\ub985\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \ud569\uc758 \uc804 \ubc18\ub4dc\uc2dc \ud558\ub294 \uc77c\uc774 \uc774 \uc720\uce58\uad8c \ud611\uc0c1\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uacbd\uc6b0 \uc720\uce58\uad8c \uae08\uc561 \uc790\uccb4\ub97c \ub0ae\ucdb0 \uc2e4\uc218\ub839\uc561\uc744 \uc9c0\ud0a4\ub294\ub370, \uac1c\uc778\uc774 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc774 \ub2e8\uacc4\ub97c \ud1b5\uc9f8\ub85c \uac74\ub108\ub6f0\uc5b4 \ucd1d\uc561\uc740 \ucee4 \ubcf4\uc5ec\ub3c4 \uc190\uc5d0 \uc950\ub294 \ub3c8\uc740 \ub354 \uc801\uc5b4\uc9c0\ub294 \uc77c\uc774 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-weight: bold; margin-top: 40px; margin-bottom: 20px; font-size: 26px; color: #222;\">\uadf8\ub798\uc11c \uc5b8\uc81c \ubcc0\ud638\uc0ac\ub97c \uc120\uc784\ud574\uc57c \ud558\ub098\uc694?<\/h2>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ubd80\uc0c1\uc774 \uacbd\ubbf8\ud558\uc9c0 \uc54a\uac70\ub098 \uacfc\uc2e4\u00b7\ubcf4\ud5d8\uc5d0 \ub2e4\ud23c\uc758 \uc5ec\uc9c0\uac00 \uc788\ub2e4\uba74, <strong>\ud569\uc758 \ub300\ud654\ub97c \uc2dc\uc791\ud558\uae30 \uc804<\/strong>\uc774 \uac00\uc7a5 \uc88b\uc740 \uc2dc\uc810\uc785\ub2c8\ub2e4. \ub274\uc695 \uc0c1\ud574 \uc0ac\uac74\uc5d0\uc11c \ubcc0\ud638\uc0ac\uc758 \uc2e4\uc775\uc740 \ubc95\uc815\ubcf4\ub2e4 \uc624\ud788\ub824 \ud611\uc0c1 \ud14c\uc774\ube14\uacfc \ucd08\uae30 \ub300\uc751\uc5d0\uc11c \ud07d\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\uae30\uc900\uc740 \uba85\ud655\ud569\ub2c8\ub2e4. \ubcd1\uc6d0 \uce58\ub8cc\uac00 \ud544\uc694\ud55c \ubd80\uc0c1, \uacfc\uc2e4\uc774 \ub2e4\ud248\uc9c0\ub294 \uc0ac\uace0, \uc0c1\ub300\uac00 \ubb34\ubcf4\ud5d8\u00b7\uc800\ubcf4\ud5d8\uc774\uac70\ub098 \uc0c1\ub300\uac00 \uc2dc\u00b7\uc8fc \ub4f1 \uacf5\uacf5\uae30\uad00\uc778 \uacbd\uc6b0\uc5d4 \ud63c\uc790 \uc9c4\ud589\ud558\uc9c0 \uc54a\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uacf5\uacf5\uae30\uad00\uc744 \uc0c1\ub300\ub85c \ud560 \ub550 \uc0ac\uace0 \ud6c4 <strong>90\uc77c \ub0b4 \uc0ac\uc804\ud1b5\uc9c0(Notice of Claim, General Municipal Law \u00a750-e)<\/strong> \ub77c\ub294 \uc9e7\uc740 \uae30\ud55c\uc774 \ub3cc\uace0 \uc81c\uc18c \uae30\ud55c\ub3c4 \ub2e4\ub985\ub2c8\ub2e4(\u00a750-i). \uc77c\ubc18 \uc778\uc2e0\uc0c1\ud574\uc758 <strong>\uc18c\uba78\uc2dc\ud6a8 3\ub144(CPLR \u00a7214)<\/strong> \uacfc\ub294 \uc644\uc804\ud788 \ub2e4\ub978 \uc2dc\uacc4\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ub300\ubd80\ubd84\uc758 \uc0c1\ud574 \ubcc0\ud638\uc0ac\uac00 \uc131\uacf5\ubcf4\uc218\ub85c \uc77c\ud55c\ub2e4\ub294 \uc810\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \ucc29\uc218\uae08 \uc5c6\uc774 \uc2dc\uc791\ud558\uace0 \ud68c\uc218 \uc2dc \uc77c\uc815 \ube44\uc728\uc744 \ubcf4\uc218\ub85c \ubc1b\ub294 \uad6c\uc870\ub77c, &#8220;\ubcc0\ud638\uc0ac \uc4f0\uba74 \ube44\uc6a9\uc774 \ub354 \ub4e0\ub2e4&#8221;\ub294 \uac71\uc815\uc774 \uc2e4\uc81c \uacc4\uc0b0\uacfc\ub294 \ub2e4\ub978 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\ub294 \uccab \uc0c1\ub2f4\uc5d0\uc11c \uc0ac\uc815\uc0ac \ub300\uc751 \ubc29\uc2dd\ubd80\ud130 \uc720\uce58\uad8c \uad6c\uc870, \uc0ac\uac74\uc758 \ub300\ub7b5\uc801 \uac00\uce58\uae4c\uc9c0 \ud568\uaed8 \uc9da\uc5b4, \ub2f9\uc2e0\uc774 <strong>\uac00\uc7a5 \ub9ce\uc774 \ub0a8\uae30\ub294 \ucabd<\/strong>\uc744 \ud0dd\ud558\ub3c4\ub85d \uc124\uacc4\ud569\ub2c8\ub2e4.<\/p>\n<h2 style=\"font-weight: bold; margin-top: 40px; margin-bottom: 20px; font-size: 26px; color: #222;\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/h2>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><strong>Q. \uc190\ud574\uc0ac\uc815\uc0ac\uc758 \ub179\ucde8 \uc9c4\uc220 \uc694\uccad\uc744 \uac70\uc808\ud574\ub3c4 \ub418\ub098\uc694?<\/strong><br \/>\n\ub124. \uc0c1\ub300 \ubcf4\ud5d8\uc0ac\uc5d0 \ub179\uc74c \uc9c4\uc220\uc744 \uc81c\uacf5\ud560 \ubc95\uc801 \uc758\ubb34\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \uc815\uc911\ud788 \uac70\uc808\ud558\uac70\ub098, \uc751\ud558\ub354\ub77c\ub3c4 \ubcc0\ud638\uc0ac\uc640 \uc0c1\uc758\ud55c \ub4a4 \ubc94\uc704\ub97c \uc815\ud574 \uc9c4\ud589\ud558\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4. \ub179\ucde8\ubcf8\uc740 \ub098\uc911\uc5d0 \uc9c4\uc220\uc774 \ud754\ub4e4\ub9b4 \ub54c \ubc18\ubc15 \uc790\ub8cc\ub85c \uc4f0\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><strong>Q. &#8220;\uc9c0\uae08\uc740 \uad1c\ucc2e\ub2e4&#8221;\uace0 \ub9d0\ud558\uba74 \ubb50\uac00 \ubb38\uc81c\uc778\uac00\uc694?<\/strong><br \/>\n\uadf8 \ud55c\ub9c8\ub514\uac00 \ubd80\uc0c1\uc744 \ucd95\uc18c\ud55c \uc9c4\uc220\ub85c \uae30\ub85d\ub3fc, \uba70\uce60 \ub4a4 \ub098\ud0c0\ub098\ub294 \uc9c0\uc5f0\uc131 \ubd80\uc0c1 \uccad\uad6c\ub97c \uc5b4\ub835\uac8c \ub9cc\ub4ed\ub2c8\ub2e4. \uc644\uce58 \ud310\uc815 \uc804\uc5d0\ub294 &#8220;\uc544\uc9c1 \uce58\ub8cc\u00b7\uac80\uc0ac \uc911&#8221;\uc774\ub77c\uace0\ub9cc \ub2f5\ud558\ub294 \uac8c \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><strong>Q. \ube60\ub978 \ud569\uc758 \uc81c\uc548\uc744 \ubc1b\uc73c\uba74 \ubb34\uc870\uac74 \uac70\uc808\ud574\uc57c \ud558\ub098\uc694?<\/strong><br \/>\n\ubb34\uc870\uac74\uc740 \uc544\ub2c8\uc9c0\ub9cc, \uce58\ub8cc\uac00 \ub05d\ub098\uc9c0 \uc54a\uc558\uac70\ub098 \ubd80\uc0c1 \uacbd\uacfc\uac00 \ubd88\ud655\uc2e4\ud558\uba74 \uc11c\ub450\ub974\uc9c0 \uc54a\ub294 \uac8c \uc6d0\uce59\uc785\ub2c8\ub2e4. \ud569\uc758\uc11c\uc758 \uad8c\ub9ac\ud3ec\uae30(Release) \ub54c\ubb38\uc5d0 \uc11c\uba85 \ud6c4\uc5d0\ub294 \uac19\uc740 \uc0ac\uace0\ub85c \ub2e4\uc2dc \uccad\uad6c\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><strong>Q. \ud569\uc758\uae08\uc744 \ubc1b\uc73c\uba74 \uadf8 \uae08\uc561\uc744 \ub2e4 \uac16\ub098\uc694?<\/strong><br \/>\n\uc544\ub2d9\ub2c8\ub2e4. Medicare\u00b7Medicaid\u00b7\uac74\uac15\ubcf4\ud5d8(ERISA)\u00b7No-Fault\u00b7\uc0b0\uc7ac\uc758 \uc720\uce58\uad8c\/\uad6c\uc0c1\uad8c\uacfc \ubcc0\ud638\uc0ac \ubcf4\uc218\u00b7\ube44\uc6a9\uc774 \uacf5\uc81c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc218\ub839\uc561\uc744 \uc9c0\ud0a4\ub824\uba74 \uc11c\uba85 \uc804\uc5d0 \uc774 \uacf5\uc81c\ub97c \uba3c\uc800 \uc815\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\"><strong>Q. \ub274\uc695\uc5d0\uc11c \uc0c1\ud574 \uccad\uad6c\ub294 \uc5b8\uc81c\uae4c\uc9c0 \ud574\uc57c \ud558\ub098\uc694?<\/strong><br \/>\n\uc77c\ubc18 \uc778\uc2e0\uc0c1\ud574 \uc18c\uba78\uc2dc\ud6a8\ub294 \ud1b5\uc0c1 \uc0ac\uace0\uc77c\ub85c\ubd80\ud130 3\ub144(CPLR \u00a7214)\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uc0c1\ub300\uac00 \uc2dc\u00b7\uc8fc \ub4f1 \uacf5\uacf5\uae30\uad00\uc774\uba74 \uc0ac\uace0 \ud6c4 90\uc77c \ub0b4 \uc0ac\uc804\ud1b5\uc9c0(Notice of Claim, GML \u00a750-e)\uac00 \ud544\uc694\ud558\uace0 \uc81c\uc18c \uae30\ud55c\ub3c4 \ud6e8\uc52c \uc9e7\uc73c\ubbc0\ub85c \ucd08\uae30 \ub300\uc751\uc774 \uacb0\uc815\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"margin-bottom: 26px; line-height: 1.85; font-size: 16px; color: #333; word-break: keep-all;\">\ub274\uc695\uc5d0\uc11c \ubcf4\ud5d8\uc0ac\uc640\uc758 \ud569\uc758\ub294 \ud798\uaca8\ub8e8\uae30\uac00 \uc544\ub2c8\ub77c \uc815\ubcf4 \uc2f8\uc6c0\uc785\ub2c8\ub2e4. \uc0c1\ub300\ub294 \ub9e4\uc77c \uc774 \uc77c\uc744 \ud558\ub294 \ud504\ub85c\uc774\uace0, \ub2f9\uc2e0\uc740 \ucc98\uc74c \uacaa\ub294 \uc77c\uc785\ub2c8\ub2e4. \ubb34\uc5c7\uc744 \ub9d0\ud558\uc9c0 \uc54a\uc744\uc9c0, \ubb34\uc5c7\uc5d0 \uc11c\uba85\ud558\uc9c0 \uc54a\uc744\uc9c0\ub97c \uc544\ub294 \uac83\ub9cc\uc73c\ub85c \uacb0\uacfc\ub294 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4 \u2014 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\ub294 \uadf8 \uccab \ud1b5\ud654 \uc804\uc5d0 \ub2f9\uc2e0 \uacc1\uc5d0 \uc11c\uc11c, \uc0ac\uac74\uc758 \uac00\uce58\ub97c \uc9c0\ud0a4\ub294 \ucabd\uc73c\ub85c \ud310\uc744 \ub2e4\uc2dc \uc9ed\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc65c \uc190\ud574\ub97c \ubcfc\uae4c\uc694? \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0, \ub179\ucde8 \uc9c4\uc220\u00b7\uc758\ub8cc \ub3d9\uc758\uc11c \ud568\uc815, \ube60\ub978 \ud569\uc758\uc758 \uc704\ud5d8\uc744 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":4,"featured_media":1392,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[],"class_list":["post-1395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-27"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0<\/title>\n<meta name=\"description\" content=\"\ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc65c \uc190\ud574\ub97c \ubcfc\uae4c\uc694? \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0, \ub179\ucde8 \uc9c4\uc220\u00b7\uc758\ub8cc \ub3d9\uc758\uc11c \ud568\uc815, \ube60\ub978 \ud569\uc758\uc758 \uc704\ud5d8\uc744 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uc815\ub9ac\ud569\ub2c8\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0\" \/>\n<meta property=\"og:description\" content=\"\ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc65c \uc190\ud574\ub97c \ubcfc\uae4c\uc694? \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0, \ub179\ucde8 \uc9c4\uc220\u00b7\uc758\ub8cc \ub3d9\uc758\uc11c \ud568\uc815, \ube60\ub978 \ud569\uc758\uc758 \uc704\ud5d8\uc744 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uc815\ub9ac\ud569\ub2c8\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/\" \/>\n<meta property=\"og:site_name\" content=\"Personal Injury Attorney | Jay Koo, Esq\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-03T13:17:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-06T15:48:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_featured-2.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"ag\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"ag\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/\"},\"author\":{\"name\":\"ag\",\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/#\\\/schema\\\/person\\\/aea3f641581b4e5d64cda272f2d82d43\"},\"headline\":\"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0\",\"datePublished\":\"2026-07-03T13:17:52+00:00\",\"dateModified\":\"2026-07-06T15:48:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/\"},\"wordCount\":78,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jaykoolaw.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/jaykoo_featured-2.webp\",\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/\",\"url\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/\",\"name\":\"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jaykoolaw.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/jaykoo_featured-2.webp\",\"datePublished\":\"2026-07-03T13:17:52+00:00\",\"dateModified\":\"2026-07-06T15:48:00+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/#\\\/schema\\\/person\\\/aea3f641581b4e5d64cda272f2d82d43\"},\"description\":\"\ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc65c \uc190\ud574\ub97c \ubcfc\uae4c\uc694? \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0, \ub179\ucde8 \uc9c4\uc220\u00b7\uc758\ub8cc \ub3d9\uc758\uc11c \ud568\uc815, \ube60\ub978 \ud569\uc758\uc758 \uc704\ud5d8\uc744 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uc815\ub9ac\ud569\ub2c8\ub2e4.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#primaryimage\",\"url\":\"https:\\\/\\\/jaykoolaw.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/jaykoo_featured-2.webp\",\"contentUrl\":\"https:\\\/\\\/jaykoolaw.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/jaykoo_featured-2.webp\",\"width\":1200,\"height\":800,\"caption\":\"\ub274\uc695 \uc0c1\ud574 \uc0ac\uace0 \ud6c4 \ubcf4\ud5d8\uc0ac \uc190\ud574\uc0ac\uc815\uc0ac\uc640 \ud1b5\ud654\ud558\ub294 \ud53c\ud574\uc790\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/ny-injury-claim-insurance-adjuster-mistakes\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/#website\",\"url\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/\",\"name\":\"Personal Injury Attorney | Jay Koo, Esq\",\"description\":\"NY Personal Injury, Car Accident Lawyer Jay Koo\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/#\\\/schema\\\/person\\\/aea3f641581b4e5d64cda272f2d82d43\",\"name\":\"ag\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3236263163673336585d459472bcb753f0a00e21f2a724118a3007a749eb8e2d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3236263163673336585d459472bcb753f0a00e21f2a724118a3007a749eb8e2d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3236263163673336585d459472bcb753f0a00e21f2a724118a3007a749eb8e2d?s=96&d=mm&r=g\",\"caption\":\"ag\"},\"url\":\"https:\\\/\\\/jaykoolaw.com\\\/ko\\\/author\\\/ag\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0","description":"\ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc65c \uc190\ud574\ub97c \ubcfc\uae4c\uc694? \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0, \ub179\ucde8 \uc9c4\uc220\u00b7\uc758\ub8cc \ub3d9\uc758\uc11c \ud568\uc815, \ube60\ub978 \ud569\uc758\uc758 \uc704\ud5d8\uc744 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uc815\ub9ac\ud569\ub2c8\ub2e4.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/","og_locale":"ko_KR","og_type":"article","og_title":"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0","og_description":"\ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc65c \uc190\ud574\ub97c \ubcfc\uae4c\uc694? \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0, \ub179\ucde8 \uc9c4\uc220\u00b7\uc758\ub8cc \ub3d9\uc758\uc11c \ud568\uc815, \ube60\ub978 \ud569\uc758\uc758 \uc704\ud5d8\uc744 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uc815\ub9ac\ud569\ub2c8\ub2e4.","og_url":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/","og_site_name":"Personal Injury Attorney | Jay Koo, Esq","article_published_time":"2026-07-03T13:17:52+00:00","article_modified_time":"2026-07-06T15:48:00+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_featured-2.webp","type":"image\/webp"}],"author":"ag","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"ag"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#article","isPartOf":{"@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/"},"author":{"name":"ag","@id":"https:\/\/jaykoolaw.com\/ko\/#\/schema\/person\/aea3f641581b4e5d64cda272f2d82d43"},"headline":"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0","datePublished":"2026-07-03T13:17:52+00:00","dateModified":"2026-07-06T15:48:00+00:00","mainEntityOfPage":{"@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/"},"wordCount":78,"commentCount":0,"image":{"@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#primaryimage"},"thumbnailUrl":"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_featured-2.webp","inLanguage":"ko-KR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/","url":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/","name":"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0","isPartOf":{"@id":"https:\/\/jaykoolaw.com\/ko\/#website"},"primaryImageOfPage":{"@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#primaryimage"},"image":{"@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#primaryimage"},"thumbnailUrl":"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_featured-2.webp","datePublished":"2026-07-03T13:17:52+00:00","dateModified":"2026-07-06T15:48:00+00:00","author":{"@id":"https:\/\/jaykoolaw.com\/ko\/#\/schema\/person\/aea3f641581b4e5d64cda272f2d82d43"},"description":"\ub274\uc695\uc5d0\uc11c \ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc65c \uc190\ud574\ub97c \ubcfc\uae4c\uc694? \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0, \ub179\ucde8 \uc9c4\uc220\u00b7\uc758\ub8cc \ub3d9\uc758\uc11c \ud568\uc815, \ube60\ub978 \ud569\uc758\uc758 \uc704\ud5d8\uc744 \uad6c\uc790\uc6b1(Jay Koo) \ubcc0\ud638\uc0ac\uac00 \uc815\ub9ac\ud569\ub2c8\ub2e4.","breadcrumb":{"@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#primaryimage","url":"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_featured-2.webp","contentUrl":"https:\/\/jaykoolaw.com\/wp-content\/uploads\/2026\/07\/jaykoo_featured-2.webp","width":1200,"height":800,"caption":"\ub274\uc695 \uc0c1\ud574 \uc0ac\uace0 \ud6c4 \ubcf4\ud5d8\uc0ac \uc190\ud574\uc0ac\uc815\uc0ac\uc640 \ud1b5\ud654\ud558\ub294 \ud53c\ud574\uc790"},{"@type":"BreadcrumbList","@id":"https:\/\/jaykoolaw.com\/ko\/ny-injury-claim-insurance-adjuster-mistakes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/jaykoolaw.com\/ko\/"},{"@type":"ListItem","position":2,"name":"\ubcc0\ud638\uc0ac \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc9c1\uc811 \ud569\uc758\ud558\uba74 \uc190\ud574 \ubcf4\ub294 \uc774\uc720: \uc190\ud574\uc0ac\uc815\uc0ac\uc5d0\uac8c \uc808\ub300 \ud558\uc9c0 \ub9d0\uc544\uc57c \ud560 \ub9d0"}]},{"@type":"WebSite","@id":"https:\/\/jaykoolaw.com\/ko\/#website","url":"https:\/\/jaykoolaw.com\/ko\/","name":"Personal Injury Attorney | Jay Koo, Esq","description":"NY Personal Injury, Car Accident Lawyer Jay Koo","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/jaykoolaw.com\/ko\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Person","@id":"https:\/\/jaykoolaw.com\/ko\/#\/schema\/person\/aea3f641581b4e5d64cda272f2d82d43","name":"ag","image":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/secure.gravatar.com\/avatar\/3236263163673336585d459472bcb753f0a00e21f2a724118a3007a749eb8e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3236263163673336585d459472bcb753f0a00e21f2a724118a3007a749eb8e2d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3236263163673336585d459472bcb753f0a00e21f2a724118a3007a749eb8e2d?s=96&d=mm&r=g","caption":"ag"},"url":"https:\/\/jaykoolaw.com\/ko\/author\/ag\/"}]}},"_links":{"self":[{"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/posts\/1395","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/comments?post=1395"}],"version-history":[{"count":1,"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/posts\/1395\/revisions"}],"predecessor-version":[{"id":1410,"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/posts\/1395\/revisions\/1410"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/media\/1392"}],"wp:attachment":[{"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/media?parent=1395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/categories?post=1395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jaykoolaw.com\/ko\/wp-json\/wp\/v2\/tags?post=1395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}