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Lee Pearlman discusses seven common tactics used by insurance companies in personal injury claims. The first trick is a quick settlement offer, usually at a low amount, which often does not cover medical expenses, lost wages, or other damages. Studies show that individuals represented by attorneys tend to receive substantially higher settlements—up to four times more—compared to those who settle early without legal representation. This initial offer is typically made to minimize the payout before claimants fully understand their injuries or the true cost of their damages. Pearlman emphasizes the importance of being aware of these tactics when dealing with insurance companies.