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In this tutorial, Lee Pearlman discusses seven common deceptive tactics employed by insurance companies in personal injury claims. The first tactic involves quick settlement offers intended to minimize payouts. Insurance companies often make these offers when it's clear that there is coverage available, aiming to pay significantly less—often about 400% less—compared to cases handled by legal representatives. These early settlements typically do not account for necessary medical treatments, lost wages, pain, suffering, or other relevant factors. Pearlman emphasizes the importance of understanding these tricks to avoid unfair settlements.