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In this tutorial, Lee Pearlman discusses the seven most common deceptive practices employed by insurance companies in personal injury claims. The first tactic is to offer a quick settlement, often significantly lower than what is fair, sometimes just pennies on the dollar. Studies indicate that those who settle early without legal representation may receive only a fraction of what they are entitled to—up to 400% less compared to those who have legal counsel. These early settlements typically overlook crucial components such as medical treatment costs, lost wages, pain, and suffering, which can substantially impact the claim's value.