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In this tutorial, Lee Pearlman discusses the seven common dirty tricks insurance companies use in personal injury claims. The first trick involves the insurance company settling quickly, often for significantly less than the claim's worth. Studies indicate that settling early—without legal representation—can result in a payout that is 400% lower than what an attorney might secure. These quick settlements often fail to account for necessary medical treatments, lost wages, pain and suffering, and other relevant factors. Pearlman emphasizes the importance of understanding these tactics to avoid unfair settlements.