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Lee Pearlman discusses the seven common dirty tricks used by insurance companies in personal injury claims. The first tactic is quick settlements, where insurers offer a low amount, often significantly less than what the claim is worth. Research shows that those represented by attorneys typically receive four times more than those who settle early on. These early offers often ignore crucial factors like medical expenses, lost wages, and pain and suffering, leading to inadequate compensation for the injured party. Pearlman emphasizes the importance of representation to navigate these tactics effectively.