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In this video, Kentucky injury attorney Tate May discusses five major secrets that insurance companies don't want you to know about injury claims. First, he emphasizes that the initial offer from an insurance company is rarely the maximum amount they are willing to pay. In his experience, he has never settled a case for the first offer, and many cases settle for significantly more. Second, he notes that insurance companies are not obligated to disclose the policy limits of their insureds, which can impact the claim's negotiation process.