{"id":1313,"date":"2022-08-20T20:43:07","date_gmt":"2022-08-21T00:43:07","guid":{"rendered":"https:\/\/knn.us.com\/?p=1313"},"modified":"2022-08-20T20:43:09","modified_gmt":"2022-08-21T00:43:09","slug":"%ec%9e%90%eb%8f%99%ec%b0%a8-%eb%b3%b4%ed%97%98-%ec%a0%88%ec%95%bd","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%ec%9e%90%eb%8f%99%ec%b0%a8-%eb%b3%b4%ed%97%98-%ec%a0%88%ec%95%bd\/","title":{"rendered":"\uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 \ubc14\ub978 \uc120\ud0dd\uacfc \uc808\uc57d \ubc29\ubc95\u00a0\u00a0\u00a0\u00a0\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\ubbf8\uad6d \uc0dd\ud65c\uc5d0\uc11c \ubc1c\uacfc \uac19\uc740 \uc218\ub2e8\uc778 \uc790\ub3d9\ucc28\ub294 \ubcf4\ud5d8\uc774 \uc5c6\uc774 \ucc28\ub7c9\uc744 \ub4f1\ub85d \ud560\uc218\uac00 \uc5c6\ub2e4. \uc774\ub294 \ubd88\uc758\uc758 \uc0ac\uace0\uc5d0\uc11cCoverage\ub85c \ud0c0\uc778\uc758 \uc790\uc0b0\uc744 \ubcf4\ud638\ud574 \uc8fc\uace0 \ub610\ud55c \uc790\uc2e0\uc744 \ubcf4\ud638 \ud558\ub294 \ubcf4\ud5d8\ubc95\uc758 \ubaa9\uc801\uc774\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 \ubc14\ub978 \uc120\ud0dd\uc744 \uc704\ud574\uc11c\ub294, \uae30\ubcf8\uc801\uc778 \uad6c\uc785 \ubc0f \uc808\uac10 \ubc29\ubc95\uacfc \ubcf4\ud5d8 \uc57d\uad00\uc758 \uc774\ud574\uac00 \ud544\uc694\ud558\ub2e4. \uba3c\uc800 \uad6c\uc785\ud558\ub294 \ubc29\ubc95\uc740 \ud06c\uac8c \ub450\uac00\uc9c0\ub85c \ubd84\ub958 \ub418\ub294\ub370 Indirect \uad6c\uc785\uacfc Direct \uad6c\uc785\uc774 \uc788\ub2e4. Indirect \ub294 \uc804\ud1b5 \uc801\uc778 \ubc29\uc2dd\uc73c\ub85c Local&nbsp; \uc9c0\uc5ed\uc758 \uc5d0\uc774\uc804\uc2dc\uc5d0\uc11c \uc5d0\uc774\uc804\ud2b8\uc758 \ub3c4\uc6c0\uc73c\ub85c \uc18c\uac1c\ud558\ub294 \ubcf4\ud5d8\uc0ac\uc758 \uc0c1\ud488\uc744 \uad6c\uc785\ud558\ub294 \uac83\uc774\uace0, Direct \ub294 Website\ub97c \ud1b5\ud55c \ubcf4\ud5d8\uc0ac\ub4e4 \uc911 \ubcf8\uc778\uc774 \uc120\ud0dd\ud558\uace0 \uc2e0\uccad\ud558\ub294 \uac83\uc774\ub2e4. \uc804\uc790\uc758 \uacbd\uc6b0, \uc77c\ubc18\uc801\uc73c\ub85c \ud6c4\uc790\uc5d0 \ube44\ud574\uc11c \ubcf4\ud5d8\ub8cc\uac00 \ube44\uc2fc \ud3b8\uc774\uc9c0\ub9cc \uc5d0\uc774\uc804\ud2b8\uc758 \ubcf4\ud5d8 \uc11c\ube44\uc2a4\uc640&nbsp; Claim\uc2dc \uc548\ub0b4\ub97c \ubc1b\uc744\uc218 \uc788\ub294\ub370 \ubc18\ud574\uc11c \ud6c4\uc790\ub294 \ubcf8\uc778\uc774 \uc9c1\uc811 \ubcf4\ud5d8\uc0ac\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc544\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ubcf4\ud5d8\ub8cc\ub97c \uc808\uc57d\ud558\ub294 10\uac00\uc9c0 \ubc29\ubc95\uc744 \uc18c\uac1c\ud558\uba74<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>\ud55c \ubcf4\ud5d8\uc0ac\uc5d0 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uacfc \ub2e4\ub978 \ubcf4\ud5d8\uc744 \ud568\uaed8 \uac00\uc785\ud558\uba74 10-15% \ud560\uc778\ub41c\ub2e4.<\/li><li>\ubd80\ubd80\uac00 \ub530\ub85c \uac00\uc785\ud558\uae30 \ubcf4\ub2e4 Joint\ub85c \ud55c \ubcf4\ud5d8\uc99d\uc11c\uc5d0 \uac00\uc785\ud558\uba74 10% \uc774\uc0c1 \uc808\uc57d\ub41c\ub2e4.<\/li><li>\ud559\uc0dd \uc6b4\uc804\uc790\uac00 \ud559\uad50\uc5d0\uc11c \uc6b0\uc218\ud55c \uc131\uc801\uc744 \uc99d\uba85\ud558\uba74 \ud560\uc778 \uc81c\ub3c4\uac00 \uc788\ub2e4.<\/li><li>\ucc28\ub7c9\uc5d0 \ub3c4\ub09c \ubcf4\uc548 \uc7a5\uce58\ub098 Anti- lock break \uc2dc\uc2a4\ud15c\uc744 \uac16\uace0 \uc788\ub2e4\uba74 \ud560\uc778 \ubc1b\uac8c\ub41c\ub2e4.<\/li><li>\uc548\uc804 \uc6b4\uc804\uc790\ub85c \uae68\ub057\ud55c \uae30\ub85d\uc744 \uc720\uc9c0\ud55c\ub2e4.<\/li><li>\uac00\uae09\uc801 \ud544\uc694 \uc774\uc0c1\uc758 \uc6b4\uc804\uc744 \uc548\ud574\uc11c mileage \ud560\uc778\uc744 \ubc1b\ub3c4\ub85d \ud55c\ub2e4.<\/li><li>\uc88b\uc740 \uac1c\uc778 \ud06c\ub808\ub527\uc744 \uac16\uace0 \uc788\uc73c\uba74 \ubcf4\ud5d8\uc0ac\uc5d0\uc11c rate\ub97c \uc0b0\uc815\ud560\ub54c \uc88b\uc740 \ub4f1\uae09\uc73c\ub85c \uc720\ub9ac\ud55c \ubcf4\ud5d8\ub8cc\uac00 \ucc45\uc815\ub41c\ub2e4.<\/li><li>\uc624\ub798\ub41c \ucc28\ub97c \uc18c\uc720\ud558\uace0 \uc788\uc73c\uba74 \uc885\ud569\uc0ac\uace0 \ud53c\ud574\ubcf4\uc0c1(Comprehensive)\uacfc \ucda9\ub3cc \uc0ac\uace0 \ud53c\ud574\ubcf4\uc0c1(Collision Loss)\uc758 \uc561\uc218\ub97c \uc904\uc778\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \uc5f0 \ubcf4\ud5d8\ub8cc\uac00 \ud604\uc7ac \ucc28\ub7c9 \uac00\uaca9\uc758 10%\uac00 \ub118\uc9c0 \uc54a\ub3c4\ub85d \uad8c\uace0\ud55c\ub2e4.<\/li><li>\ucc28 \uc218\ub9ac\ube44\uc6a9 (Collision &amp; Comprehensive)\uc758 \ubcf8\uc778 \ubd80\ub2f4\uc561(Deductible)\uc744 \ub192\uc5ec\uc11c \ubcf4\ud5d8\ub8cc\ub97c \uc904\uc774\uba74\uc11c \uc801\uc815\ud55c \ud61c\ud0dd\uc744 \uc720\uc9c0\ud1a0\ub85d \ud55c\ub2e4.&nbsp;<\/li><li>\uc758\uc0ac\ub098 \uc57d\uc0ac, \uac04\ud638\uc0ac \ub4f1 medical field\uc5d0 \uadfc\ubb34\ud558\ub294 \uc0ac\ub78c\ub4e4\uc740 \ud2b9\ubcc4 \ud560\uc778 \ud504\ub85c\uadf8\ub7a8\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u2727\u2727\uc544\ub798\uc758 \ub3c4\ud45c\ub294 \uc77c\ubc18\uc801\uc778 \ubcf4\ud5d8\uc99d\uc11c\uc758 \uc57d\uad00 \uc124\uba85\uc11c\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;<\/strong><strong>\ubcf4\ud5d8 \uac00\uc785\uc790(\ud53c\ubcf4\ud5d8\uc790) \uc640 \uc0c1\ub300\ubc29\uc758 \ubcf4\uc0c1<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Part A \u2013 Bodily Injury Liability(\uc2e0\uccb4 \uc0c1\ud574 \ubcf4\ud5d8)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-\uc6b4\uc804\uc790 \uacfc\uc2e4\uc5d0 \uc758\ud55c \uc0c1\ub300\ubc29 \ud53c\ud574 \ubcf4\uc0c1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-Property Damage Liability(\uc7ac\uc0b0 \uc190\ud574 \ubcf4\uc0c1)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-\uc2e0\uccb4 \uc0c1\ud574 \ubcf4\uc0c1\uacfc \ud568\uaed8 \ubc30\uc0c1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Part B \u2013 Medical Payment(\uc758\ub8cc \ube44\uc6a9 \uc9c0\ubd88)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-\ud53c \ubcf4\ud5d8\uc790\uc758 \uacfc\uc2e4 \uc720\ubb34\uc5d0 \uc0c1\uad00\uc5c6\uc774 \uc6b4\uc804\uc790 \ubc0f \uc2b9\uac1d\uc5d0\uac8c \uc9c0\ubd88\ub418\uace0 \uc6b4\uc804\uc790\uac00&nbsp; &nbsp; \uc18c\uc720\ud558\uace0 \uc788\uc9c0 \uc54a\uc740 \ucc28\ub97c \ud0c0\uace0\uc788\ub2e4\uac00 \uc77c\uc5b4\ub09c \uc0c1\ud0dc \ub610\ub294 \ubcf4\ud589\uc790\uc758 \uc785\uc7a5\uc5d0\uc11c \ub2e4\ub978 \ucc28\ub7c9\uc5d0 \uc0ac\uace0\ub97c \ub2f9\ud588\uc744 \uacbd\uc6b0 \ubcf4\uc0c1\ud574 \uc900\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Part C \u2013 Uninsured Motorist Coverage(\ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790 \ubcf4\uc0c1)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-\ubb34\ubcf4\ud5d8 \uc6b4\uc804\uc790\uc778 \uc0c1\ub300\ubc29\uc758 \uacfc\uc2e4\ub85c \uc2e0\uccb4 \ubd80\uc0c1\uc744 \uc785\uc5c8\uc744 \uacbd\uc6b0 \ub0b4 \ubcf4\ud5d8\uc0ac\ub85c \ubd80\ud130 \ubcf4\uc0c1\uc744 \ubc1b\ub294 \uc870\ud56d\uc774\ub2e4. \u201cHit and Run Accidents\u201d \uc989 \ube91\uc18c\ub2c8 \ucc28\ub7c9\uc73c\ub85c \ubd80\ud130 \ud53c\ud574\ub97c \ub2f9\ud588\uc744 \uacbd\uc6b0\ub3c4 \ubcf4\uc0c1\uc744 \ubc1b\uc744\uc218 \uc788\uc9c0\ub9cc \ubc18\ub4dc\uc2dc \uacbd\ucc30 \uc0ac\uace0 \ubcf4\uace0\uc11c\uac00 \ud544\uc694\ud558\ub2e4. \ucc28\ub7c9\uc5d0 \ub300\ud55c \uc218\ub9ac\ube44 \ubcf4\uc0c1\uc740 $3000 \uc804\ud6c4\ub85c \ubcf4\uc0c1\uc774 \uac00\ub2a5\ud558\uba70 \ub118\ub294 \uc561\uc218\ub294 at fault accident collision coverage\ub85c \ucc98\ub9ac\uac00 \ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-Underinsured Motorist(\ubd88\ucda9\ubd84 \ubcf4\ud5d8 \uc6b4\uc804\uc790 \ubcf4\uc0c1)\uc740 \uc0c1\ub300\ubc29 \uac00\ud574\uc790\uac00 \ubcf4\ud5d8\uc740 \uc788\uc73c\ub098 \ud55c\ub3c4\uc561\uc774 \uc0ac\uace0\ub85c \uc778\ud55c \ud53c \ubcf4\ud5d8\uc790\uc758 \uc2e0\uccb4 \ubd80\uc0c1 \ud53c\ud574\ub97c \ucda9\ubd84\ud788 cover\ud558\uc9c0 \ubabb\ud560 \uacbd\uc6b0 \ubc30\uc0c1\ud558\ub294 \uc870\ud56d\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/strong><strong>\ud53c \ubcf4\ud5d8\uc790 \ucc28\ub7c9\uc758 \ubcf4\uc0c1\uacfc \ucd94\uac00 \uc870\ud56d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Part D \u2013 Comprehensive(\uc885\ud569 \uc0ac\uace0 \ud53c\ud574 \ubcf4\uc0c1)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-\ucc28\ub7c9 \ucda9\ub3cc \uc774\uc678\uc758 \uc885\ud569\uc801\uc778 \uc0ac\uace0 \ud53c\ud574 \ubcf4\uc0c1 \uc870\ud56d\uc73c\ub85c \uc790\uc5f0\uc7ac\ud574, \ucc28\ub7c9\ud30c\uc190, \ub3d9\ubb3c\uc5d0 \uc758\ud55c \ud53c\ud574 \ub4f1\uc744 \ubcf4\uc0c1\ud574 \uc900\ub2e4. \ud53c \ubcf4\ud5d8\uc790\uac00 \uc77c\ucc28 \ubd80\ub2f4 \ud574\uc57c\ud558\ub294 Deductible(\uc608 $500)\uc774 \uc801\uc6a9\ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Part E \u2013 Collision Loss(\ucda9\ub3cc \uc0ac\uace0 \ud53c\ud574 \ubcf4\uc0c1)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-\ud53c \ubcf4\ud5d8\uc790\uc758 \ucc28\ub7c9 \ucda9\ub3cc\uc5d0 \uc758\ud55c \uc218\ub9ac \ube44\uc6a9\uc774\ub098 \uad50\uccb4 \ube44\uc6a9\uc744 \ubcf4\uc0c1\ud574 \uc8fc\ub294 \uc870\ud56d\uc73c\ub85c Comprehensive\uc640 \ub9c8\ucc2c \uac00\uc9c0\ub85c \uc77c\ucc28 \ubcf8\uc778 \ubd80\ub2f4\uc561\uc774 \uc788\ub294\ub370 Deductible\uc774 \ub192\uc744\uc218\ub85d \ubcf4\ud5d8\ub8cc\ub294 \ub0ae\uc544\uc9c4\ub2e4. \ubcf4\uc0c1 \uae30\uc900\uc740 \uc0ac\uace0\uc2dc \ucc28\ub7c9\uc758 \ud604\uae08\uac00\uce58(Market Value)\ub97c \uae30\uc900\uc73c\ub85c \ubcf4\uc0c1\ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Part F \u2013 General Provision<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-Limited or Full Tort Coverage\uac00 \uc788\ub294\ub370 Limited Tort\ub97c \uc120\ud0dd\ud558\uba74 \uc801\uc9c0 \uc54a\uc740 \ubcf4\ud5d8\ub8cc\ub97c<br>\uc808\uac10 \ud560\uc218 \uc788\ub2e4. \ud558\uc9c0\ub9cc \uc2ec\uac01\ud55c \uc2e0\uccb4\uc0c1\uc758 \ubd80\uc0c1\uc744 \uc81c\uc678\ud558\uace0\ub294 Full Tort Option\uacfc\ub294 \ub2ec\ub9ac \uc0c1\ub300\ubc29\uc5d0 \ub300\ud55c \ud53c\ud574\ubcf4\uc0c1 \uc18c\uc1a1\uc5d0 \uc81c\ud55c\uc774 \uc788\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-Extraordinary Medical Benefits(\ube44\uc0c1 \ud55c\ub3c4 \uc758\ub8cc \ud61c\ud0dd)\uc740 \uc758\ub8cc \ube44\uc6a9\uacfc \uc7ac\ud65c\uce58\ub8cc \uacbd\ube44\uac00 $100,000\uc774 \ub118\uac8c\ub418\uba74 \ucd5c\ub300 $1million \uae4c\uc9c0 \ucee4\ubc84\ud574&nbsp; &nbsp; \uc900\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-Towing Emergency Road Service(\uacac\uc778 \ubc0f \uae34\uae09 \ub3c4\ub85c \uc11c\ube44\uc2a4)\ub294 \uc0ac\uace0\ub098 \uace0\uc7a5\ub09c \ucc28\ub7c9\uc744 \uc815\ube44\uc18c\uae4c\uc9c0 \uc774\ub3d9 \uc2dc\ud0a4\ub294\ub370 \uc18c\uc694\ub418\ub294 \uacbd\ube44(\ucd5c\ub300$500) \ub97c \ucee4\ubc84\ud55c\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-Rental Reimbursement( \ub80c\ud2b8\uce74 \ube44\uc6a9 \uc0c1\ud658 \uc9c0\ubd88)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*\uc704\uc758 \ud56d\ubaa9\uc911 \uc0c1\ub300\ubc29\uc5d0 \ub300\ud55c \ubcf4\uc0c1(Liability)\uc740 \ud39c \uc8fc\uc758 \ucd5c\uc800 \ubc95\uc801 \ud5c8\uc6a9 \ubcf4\uc0c1 \uc561\uc218\uc778 $15,000\/$30,000\/$5,000 \uc744 \ucd5c\ub300 10\ubc30 \uc218\uc900\uc73c\ub85c \uc62c\ub9ac\uace0 uninsured motorist coverage\ub3c4 \ucd5c\uc18c\ud55c $100,000\/$300,000\uc774\uc0c1\uc73c\ub85c \uac16\uace0 \uc788\ub294\uac8c \uc548\uc804\ud558\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*\ubcf4\ud5d8\ub8cc \uc0b0\ucd9c\uc740 \uae30\ubcf8\uc801\uc73c\ub85c \uac1c\uc778\uc758 \uc6b4\uc804 \uae30\ub85d\uacfc \uac70\uc8fc\uc9c0\uc5ed, \ucc28\uc885, \uc0ac\uc6a9 \uc6a9\ub3c4, mileage\ub4f1\uc5d0 \ub530\ub77c \uc815\ud574\uc9c0\uae30 \ub54c\ubb38\uc5d0 \uac19\uc740 \ubcf4\ud5d8\uc0ac\ub77c\ub3c4 \ub2e4\ub978 \uc6b4\uc804\uc790\uc640 \ucc28\uc774\uac00 \ub09c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac12\uc774 \uc2fc\uac83\uc774 \ud56d\uc0c1 \ucd5c\uc0c1\uc758 \uc120\ud0dd\uc740 \uc544\ub2c8\ub77c\ub294 \ub9d0\uc774\uc788\ub2e4.\u00a0 \uc801\uc815\ud55c \ubcf4\ud5d8\ub8cc\uc640 \uc0ac\uace0\uc2dc\uc5d0 \uc2e0\uc18d\ud55c claim service\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uc7ac\uc815\uc801\uc73c\ub85c \uac74\uc2e4\ud55c \ubcf4\ud5d8\uc0ac \uadf8\ub9ac\uace0 \uc815\uc9c1\ud558\uac8c 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